Hi Attorney! I would like to seek legal advice regarding my situation right now. A co-worker and I once avail a salary loan from a lending company. They took our payroll ATM and deduct payments on every cut-off. We served as our own co-maker. The company gave us 80k each, so that's 160k in total, to be paid in a years time. So that's 4k every cut-off for the each of us. everything was going well, then suddenly, our company got struck by the financial crisis and had to abolish our incentive program where we usually get the money to pay for our loan. To make the long story short, we weren't able to continue paying the loan due to our financial status. we have been getting calls saying that they'll file a case against us and will pursue this in court. recently, my colleague told me that they received a demand letter coming from a regional court, im not sure where because for some reason i have not received mine yet. I have read in the other posts that only a civil case can be filed against us and will not lead us to prison, but what i would like to know is what are the implications of a civil case? can it impede me from going abroad for a job? If i were able to go abroad, will they be able to pursue us outside the country? will it also appear in my NBI clearance as a hit? please help us we really need your advice.