Don't worry about visits.
Collectors will merely :
1. give you a FINAL, FINAL Demand letter. pirmahan lang left to right or front and back.
no big deal. don't open. then, tapon.
2. Paka-usap sa iyo si Atorni, or Bisor nila or whoever they will pretend to be.
"oops..teka lang. ano ang bank referral code para malaman kung authorized kayo?"
Afraid of Scandal?
aba, sino ba ang sumisigaw at nang-hihiya?
e di ba yun ang pina-pakulong?