Good Day po. I have an unpaid credit card balance with HSBC. My last conversation with an HSBC's collection dept. was last 2 years ago, the balance is 86k. Agent's name is Anna. Told Anna I cannot pay it in cash, asked her if they offer installment because I'm willing to pay, she told me that they don't offer installment, if I don't pay them cash they will endorse me to their collecting agency. I told her that I really cannot pay cash. After that I haven't heard from them. It's been this past few months that I receive demand letter from 2 different firm, the last is from Atty. Alex Molaer. Now my balance reached 110k. Just last week they sent a final demand letter stating: " For Collection of Sum of Money, under the Rule on Small Claims Cases, and/or criminally prosecute you for Violation of R.A 8484 (Defrauding of Creditors), if legally warranted, before the Metropolitan Trial Court of Taguig.” Please be advised that the Rule on “Small Claims Cases” requires only one (1) hearing and any court’s decision rendered shall become immediately final and non-appealable. Your spouse, if any, shall be included as mandatory party-defendant, under Rule 3 Sec.4 of the New Rules of Court. Please help me, I'm a single parent . I have kids studying.