unpaid bank personal loan

hi atty.
meron po akong nagging loan (approximately php22k) from bank since 2011. I issued post-dated checks, nakapagbayad po ako for 1 year lamang. currently, may tumawag po na law firm dito sa number ko sa office at sinasabi na may warrant of arrest daw ako. upon conversation with a certain lawyer daw, he advised me to settle in full the 22k until tomorrow para daw ihold yung warrant. sabi ko wala akong pera pmbayad sa ngaun then he said kahit 10k lang daw. I still insist na wala akong pera, then he get mad at sabi eh antayin ko nlng daw yung summon sa barangay.
questions are: 1. possible po ba na may warrant of arrest agad without arraignment from court?
2. pwede po ba na i-sue nila yung husband ko even I lend the money from bank when I was not married yet?
3. possible po ba na sa bank directly ako mag settle?

thanks po.

1. Wala pong pwedeng makulong ng dahil sa utang, kung kakasuhan man kayo marahil ay sa check na inissue nyo. Sa warrant of arrest nmn po, d pwedeng basta n lng may warrant of arrest na walang order ng korte.
2. In civil cases, pwede po.
3. Sa banko po tlg dapat kau makisettle, kasi sa kanila kau nagkautang..