atm loan estafa case

Nag loan ako sa isang company kapalit ng payroll atm ko. Pang apat n loan ko n kaso hindi ako nkasweldo ng almost 3 months hindi ako nkahulog ksi wala nman tlga cla mawiwithdraw. I texted them to let them know on the second hulog n wala ako sweldo they texted back sabi ipaliwanag mo kundi kakasuhan ka nmin i told them n wala tlga ako khit magkano and willing ako n ipadala sa knila through email ung payslip ko pra makita nila n tlga wala ako sweldo and they texted back mamaya, but i never receive and txt. Then aug sept d tlga ako nkapagbigay. Nagulat ako one day nkatanggap ako ng subpoena and kailangan ko daw mag submit ng counter affidavit and may paper n kasama n pinadalan daw nila ako ng notice to pay which wala ako narereceive at may pirma ko pa na mukhang pinoto copy nila from may original signature. Ano po b gagawin ko? Natatakot po kc ako n makulong balance ko is 18300... original loan is 20000 kinaltas n nila tubo from the loan. Advice nman po....

Generally, non-payment for a loan transaction will not amount to estafa through misappropriation since your liability is merely civil and NOT criminal.