Harassed by our friendly Atty. Collector? no need to argue, nor explain. No need to pay a token amount "to show willingness to pay". There is also no need to sign anything.
Just go and ask for your detailed Statement of Account, or better yet,a Bank Certification of your outstanding obligation with them, duly signed and certified correct.Do it formally, in writing via registered mail or if done verbally, follow it up with a confirmation letter. Address it to whoever is asking you to pay.
THAT would be your defense and reply for those :
a. annoying calls and SMSs
b. threats to visit your home or office
c. threats of RA 8484
d. threats of filing a case
e. harassments from "NBI, Police, Barangay" or even the "court".
Let them prove first that you owe that much before you pay, otherwise, what debt are they talking about?
Let us not assume that everything is always true - that they are really from the bank, that they are authorized, that they are lawyers or that you owe them debts.
In God We Trust, all others, we audit.