Dare collectors to meet you in court.
Most often they will ask you "who is your lawyer"
(because they were unprepared for your answer!)
eto ang sagot mo:
"why don't you call him instead?"
eto yung list of lawyers in the Philippines:
http://www.chanrobles.com/masterlist1.htm#.UdeDlKyZmSo
Lesson :
Dare their bluff with your own bluff.