You cant pay anymore. so you went to the bank for restructuring of your account. they wont. Instead, they merely referred you to their abusive collectors. Option? Wait if they take you to court. Same thing will happen anyway : there will be compulsory negotiation to lower your debt and waive interests; the judge will allow you to pay in installments at 12% per annum, meaning - restructuring of your account pa rin. at kausap mo pa rin ang bank. crazy.