I need legal advice regarding my dad's credit card debt. His account we're already closed since we cannot pay the minimum due. We've been trying to pay a certain amount every month but due to our financial situation, we can't afford to pay the min amount due. My parents are receiving several calls from collection agencies and they been harassing my parents. Last friday someone called & they told my dad the he has a warrant & they will go to our house tom. They also claim they they are calling from precinct. They are asking my dad to pay P120,000 no later than july 20 w/c we know we cannot afford. Now my parents are getting paranoid on where to get that money & they are afraid that my dad will be put in jail. I've search the net that these kinds of acts from collection agencies are scams to force the debtors to give them money. Esp when they told us that the call as coming from a precinct. I believe that police cannot take my dad & put him to jail w/o even going to any legal actions or should i say court hearings first since the case is not a criminal case. I need advice on how to deal w/ these collection agencies and if what they're doing is right and what action we can take against them because it's really affecting my parents.