Revi Credit past due

Hi. Not sure if nasa correct subreddit ako but I need advise badly. I have a past due revi credit account, about 32 (?) days delinquent na due to some unforeseen financial constraints. Hindi ko pa ult nkakausap yung bank since wala pa akong pwde iadvise about when I can settle kahit yung minimum balance and I am planning to pay a portion lang next month. However, nakareceive ako ng text from RGS recovery stating that they may advise CIMB to initiate legal recourse if hindi ako makasettle today (2/20/24). Hindi nman ako mkatawag now since disconnected din ang postpaid line ko. Hindi ko na alam ang gagawin since I have multiple debts, all of which are ksalanan ko and I am trying my best to keep up with the payments. It is hard and ngsisimula pa lang akong mkabangon but then mkakareceive ako ng ganto.I also receive emails re a possible site visit and walang nkakaalam sa bahay na meron akong outstanding loan sa CIMB (currently at 70k na un past due revi credit ko).

Please don't judge. First time nangyari na magpast due ako sa payment and makareceive ng ganto so I don't really know what to do. Hindi ko din naman planong takbuhan ung obligation, it's just hindi ako mkapagcommit to making a payment soon kaya hindi pa din ako nakikipagusap sa bank.

Hi. Not sure if nasa correct subreddit ako but I need advise badly. I have a past due revi credit account, about 32 (?) days delinquent na due to some unforeseen financial constraints. Hindi ko pa ult nkakausap yung bank since wala pa akong pwde iadvise about when I can settle kahit yung minimum balance and I am planning to pay a portion lang next month. However, nakareceive ako ng text from RGS recovery stating that they may advise CIMB to initiate legal recourse if hindi ako makasettle today (2/20/24). Hindi nman ako mkatawag now since disconnected din ang postpaid line ko. Hindi ko na alam ang gagawin since I have multiple debts, all of which are ksalanan ko and I am trying my best to keep up with the payments. It is hard and ngsisimula pa lang akong mkabangon but then mkakareceive ako ng ganto.I also receive emails re a possible site visit and walang nkakaalam sa bahay na meron akong outstanding loan sa CIMB (currently at 70k na un past due revi credit ko).

Please don't judge. First time nangyari na magpast due ako sa payment and makareceive ng ganto so I don't really know what to do. Hindi ko din naman planong takbuhan ung obligation, it's just hindi ako mkapagcommit to making a payment soon kaya hindi pa din ako nakikipagusap sa bank.