Most defaulters are afraid in answering calls.
Why? because they take those calls seriously.
The other line is only faking!
Collectors often times ask why you have not paid and what is your plan.
Ikaw naman, todo explain as if these things matters.
it does not!
You don't even know who you are talking to.
you give your details to some one who is anonymous.
Worst, you enter into an agreement without knowing that person!
go ahead, answer that call.
but please tell the caller to meet you in court
para legal lahat.