I just wanted to ask a legal advice on a money borrowed from a Lending Company. It was only Php 16,000.00 and it had been 2 years that I kept on paying this amount. For one, I had delayed payments and there were a lot of charges and fees applied by this company. Then they restructured my payment scheme which has cost me more money. After some time, I paid them more than what I owe, can this company file an estafa case if I stop paying them? They claim that I still owe Php 10,000.00. Your help would be much appreciated. Thank you.