personal loan

Please give me an advice. I don't know what to do now. Nakatanggap ako ng notice from Enzi Corporation forcing me to pay my account in prime credit hk within 5 days if not they will file a criminal case against me. I was a DH in HK for 3 years at nagbakasyon lng ako for 3 weeks last july 2015 but because my employer wants to extend my vacation for a week more but is not willing to pay for the rebooking of my plane ticket ,me and my husband decided I won't go back to HK since at that time wala kaming pera pangrebook ng ticket and my employer was not that good to me. So hindi na ako nakapaghulog ng payment ko monthly since that time. Gustuhin ko man magbayad pero dahil sa hirap ng buhay dito sa amin wala akong maibayad. I was expecting a notice from prime credit after months na hindi ako nakapagbayad pero wala ako natanggap. and now na 3 years na ang lumipas nakatanggap ako ng letter from Enzi Corp to pay an amount of 47K+HK money in lumpsum amount or else I will face a criminal case. I don't want to run away from my obligation but wala talaga akong pambayad sa ganung kalaking halaga. we don't have any property na pwedeng ibenta. I even beg na kung pwede pagkatapos ko manganak because I am now 5 months pregnant, at palakihin ang baby kahit hanngang 6 months then I will apply abroad again and saka ko sila mabayaran. I sent that to them by email but until now wala pa silang reply sa email ko...

please Atty. give me an advice! Thank you!

What is the nature of the document you signed?

Did you issue post-dated checks?

no....i just signed a contract stating my loan account and amount and terms of payment. Then they issued me a cash(HK$). And wala na rin sa akin yung contract kasi naiwan sa bahay ng employer ko together with my personal things.

It is up to the creditor whether to accept your offer of settlement which deviates from your original contract. The deviation therefrom is personal to you, and it is up to the creditor whether to understand or insist that you comply with the contract terms.

It does not look like the case they can file against you is criminal. No one could go to prison for non-payment of debt. Your liability to pay your indebtedness is civil in nature.

My power ba Ang Enzi corporation to file a case against me? Ang alam ko kasi is isa sila sa mga collection agency na hinire lng ng prime credit HK.