harassed by a lending a company

good day. i had a loan in a lending company which i failed to pay 10 mos. that loan is payable within 12 mos and i only paid 2 mos due to the lost of job. they've been calling me since then and i never failed to answer their calls. the issue now is that they were threathening me with so many bad words and there came to the point na pinipersonal na ako about my utang to them. they sent txt msgs to all the preference numbers i wrote saying that they would file an estafa case against me. there was a last call we had they said, "pagsisisihan nyo ito". i couldn't understand why they have to say this since i always talk to them and promised to pay as soon as i have my visa this month. what should i do? what should i say when they call me again? i want to see the person who called me because of all the bad words she has said and make sampal her when i already had the money for the payment in return to what she has done to me. i need a reply pls!!!