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Draft Complaint

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One of the tricks of collection agencies is
to write you a demand letter, then attach yung
"draft complaint" kuno.

I dont see any logical purpose in doing so, except
maybe to coerce and fool you into paying - tinatakot ka.
blackmail? at niloloko. fraud?

What to do?
write them a letter:
Sir, I will pay in FULL today!!!!
p.s.
this is just a DRAFT letter.
lol!

or better yet, tapon.

why do they have to fool people to collect
is beyond me.
Emotic Brandy 1:  Thinking

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