I would like to seek any advice with a case I have.
I received a final demmand letter from an attorney of a hospital for me to settle my unpaid dues in 10 days or else that they will file a criminal case against me if I cant comply. I am not capable in paying the amount which is more than P500k.
This started 2 years ago where the amount was still at around P200k+. I submitted a promisory note which they accepted with an interest of 3% per month. This was my only option for me to get the dead bodies of my twin babies so I can give them a proper burial. I already used all my money in that hospital and for the medicines they require for my babies. I even applied for multiple loans just to make partial payments since the hospital wont release any medicines or lab exams if I dont pay in advance.
I made a payment a month after the promisory note was accepted but was verbally insulted by the hospital's clerk. Due to that reason, I stopped paying them. The hospital didnt even do their part coz I lost both my new born twins and I can say that they are partly to blame because many patient's guardians there saw their lapses in taking care of the babies in the NICU (Nursery Intensive Care Unit).
I'm still stuck with the loans I applied that time. And I'm still not capable of paying them. Not in 10 days, not even in 5 years or more. I am willing to pay but not the whole amount. probably in 3-4 years, I can pay the original amount without the interest.
Please give me any advice on what I should do in this situation.