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Dati po ako public school teacher, may salary loan (reloan n lang ) ako ng 2015 sa bangko at may kinaltas din po na insurance at yung isa po salary loan din at pareho naman nakakaltas agad sa sahod ko (automatic deduction s payslip) unfortunately po na awol ako ng 2017 dahil nagkasakit ako ng depression hanggang ngayon ay hindi ako mkapag work, atty ask ko lang po kung criminal case po b yan n pwede nila ako kasuhan ng estafa o civil case n collection of money? kasi po s demand letter n pinadala nila s nakalagay ko n address ay kasuhan daw ako ng civil case at rule 3 section 4 ng civil o criminal case? patulong naman po, wala n ko work at nakikitira n lang ako, na stress n po ako s kakaisip, hindi ko po alam kung may kaso n o subpoena at ipaaresto ako, salamat po


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