He rules your life like a King,simply because you have a credit card debt. He tells you to call Atty. Ek-ek or SPO1 Mando Rugas. Otherwise, he will file a case, issue a warrant of arrest, go to your office, get your appliances, go to your house, call your HR, publish your picture and allllll sorts of threats.
Well, why not dare his bluff - see you in court? Remember the ad : ang Hari, talo ng Alas!