I know you lost your job, you were a good payer before, can no longer pay your cards anymore, received demand letters, calls, text messages home visits, office visits and barangay visits. I know..I know... you are not running away from your obligations. You want to show good faith. BUT there is this fear, and you are A-F-R-A-I-D !!
skip those familiar stories. and tell me straight forward: "what are you afraid of?"