Hi. I received a case from Home Credit last May. I ma trying to pay the balance every month and now when I called them they told me that I only have 1801php balance on my account. However, the account was already closed and it was forwarded to their legal dept. my mom received an sms regarding small claims court and i was advised to contact a certain Ms. Paras, I called Ms. Paras and she advises me to contact Mr. Ultado, the attorney. Atty. Ultado told me that I need to pay 15k within 24 hours. I was dumbfounded since I am aware that I only have 1801php left on my balance. He told me that home credit already paid for all the things that they needed to pay to take this case to court which is the reason why it went up to 15k which also includes the attorney's fee. I tried negotiating with them since I don't have that money, however they kept on insisting that I needed to pay 15k because if not, they will issue a warrant of arrest. Can they do that? I am reading a blog and some people experienced this as well and on their case, people from barangay already went to their house together with people from HC just to harass them and there is a certain SPO2 De Guzman from Camp Bagong Diwa who keot on calling them and told them that he will arrest them if they haven't paid the amount that they need to pay. Can you help me with this? I tried calling Home credit, I tried negotiating with Attorney Ultado and what they only told me is that, i need to pay this in full amount. I don't have that much money right now and also, my balance is only 1801, I don't want to pay 15k for this. I'm afraid that they will go to our mom again like what they dis before and it shocked my mom.