Moneycat lawsuit

"If you will continue to refuse to pay or respond, we may file a lawsuit against you. This can result in a court judgment that orders you to pay the debt, plus interest and fees. Company can then use various legal methods to collect the debt, such as wage garnishment, bank account levies, or property liens.

We demand on paying 24,335 PHP - till the end of 8/14/2024 EOD.

(the debt amount is valid on 13_08_2024, it might be increased due to fines/penalties)

PAY NOW"

received an email from Moneycat and grabe kaba ko. hindi ko naman tatakbuhan 😞 sadyang wala pa talaga, ayoko na rin kasi mag tapal system kasi lalo lang ako mababaon sa utang. August 26 pa start ng work ko. Lagi rin naman ako nag-eemail sa kanila about a payment arrangement kasi hindi ko kaya ang one time payment na gusto nila. ₱10k ang loan ko, tas need ko ibalik ₱12,590 tas nung nadelay ako ng 1 month mga ₱24,355 na ang ibabayad? grabe yung interes.

any advice on this?