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hi, i signed an account restructuring agreement to BDO to pay my bills based on my terms.. unfortunately, i only pay during first 5 months then i got financial issues.. need to attend to other payments such as education of my neice.. not part of the plan but i have to help him.. i only have enough and i cant proceed on my cc payment.. now, bdo is sending mails saying they will sue me.. pls enlighten me if they can use the agreement agaist me or this situation is still considered credit card debts so they cant file case against me.. pls pls answer, im afraid to this situation..
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