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Para malaman mo kung totoo ang kaso, i-verify mo sa korte kung may ganoon ngang kasong naisampa laban sa iyo. Kung malaman mong peke ang reklamo, maari mong kasuhan ang collection agency. Sila ang ireklamo mo. Criminal offense kasi ang pag-imbento ng mga pampublikong dokumento. Sa puntong ito, maari ka pa ring pumunta sa banko para i-settle ang utang mo at kung papayag sila at tanggapin ang bayad mo, moot and academic na dissolve na ang reklamo nila laban sa iyo. UMILING sa korte ng Amicable Settlement. Ang amicable settlement ay isang usapan ng nagdemanda at idinemanda na hindi kasama ang mga abogado nila para pag-usapan kung paano reresolbahin ang kaso upang hindi na ito dumaan sa matagalang hearing. Pabor ito sa iyo kung papayag ang naghabla sa iyo kasi makpagbabayad ka sa paraang kaya mo at the same time, madidismiss pa ang kaso laban sa iyo. LAHAT NAMAN TAYO MAY UTANG. Iyong mga mayayaman nga, mas malalaki pa ang utang. Ang importante, willing kang magbayad at hindi mo nais itong takbuhan panghabam-buhay…

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