May loan ako sa ChinaTrust then they make me sign a postdated cheque from ChinaTrust din po. 40k yung total amount ng loan po. Then I was only able to pay up 30k only on a staggard basis yet dahil sa financial crisis po unable to pay since 2007 the balance until today. Have not receive any demand letter yet suddenly there is this third party involved "Del Vas Law Offices" who demands me to pay 20k by this Monday if not Atty Zamora will file the case against me at Taguig RTC. Any legal advise on what to do please?