Please advise. I had an issue with a certain lending company. I loaned 12000 but got only 10000 but wasn't able to pay it because I lost my job and moved back to my parent's house. I was able to make some payments and the amount should only be like 7-8k. Now they are trying to get 47000 because of the interest. they sent brgy summons but only my brother received it because I was always out working. The thing is, I got approved for the loan without any CI because they asked 1000 from me once I receive my loan. is there a way not to go to the barangay and just settle the principal amount directly to the lending company via understandable installments?