collectors send you a subpoena, but if you read it properly, there really is no civil case number (well, not for the first demand letter i think). if they threaten you na ma priso ka, retaliate na it was not your choice to get one. sila ra bya jud na mamugos na magka card mo. but i think it's also not fair not to pay back what you owe them. and the next time, use a debit card. that's way better para naa kay check and balance sa imong finances