When a collector threatens you with a court case,
remember Rizal.
Even if banks file a thousand cases against you,
kung wala kang pam-bayad, what else can they
do except garnish your deposits
(why would you have one naman? hinde ka nga maka-bayad no? lol!)
Unlike Rizal, hinde ka naman puede -firing squad!
Just remember your lessons - never to treat cards as your money.