Need advice..
"This is RGS Global Solutions, an accredited collections agency of CIMB Bank. Despite multiple reminders, we have not received any payment for your Gcredit account. As a result, we are preparing to formally recommend the urgent filing of a Complaint for Collection of Sum of Money under the Rule on Small Claims Cases. Please be informed that, under this Rule, the case will be filed in court and will proceed with only one (1) hearing, after which the decision rendered will be final and unappealable. To avoid further legal action, we strongly encourage you to settle your account or reach out to us immediately. For inquiries or assistance, you may contact us at 09543448900 / 09171184501/ 09171886382. If you have already made the payment, please disregard this message."
This is the text I recieved, I'm 4-5 months OD with RCBC CC.
I can't pay yet due to family members losing jobs and yet to find one.
What can I do?