Need legal advice for my mother

Teacher po si mother ko, may utang sya sa Robinsons Bank way back 2013 for 100k. Ganito po nangyari, so ang ATM (payroll/landbank atm) nya noon e nasa robinsons bank. Ang banko ang nagwiwithdraw ng payment ni mama sa loan dun sa ATM (dun pumapasok sweldo nila mother). Nung nagpalit ng ATM ang landbank yung EVM/Chip, hindi binigay ni mother yung bagong ATM. Ang ginawa nya na lang, nagdedeposit sya ng tig 1k monthly dun sa lumang atm na nasa robinsons bank. 4k monthly kasi talaga dapat ang bayad ni mother kaso hindi naman kaya dahil nung mga panahon na yun, at ang dahilan din kaya nagloan si mama dahil nagkasabay sabay na 3 kami nag aaral ng mga kapatid ko, nagkataon pa na naoperahan si mother (cyst sa matres) at naconfine din yung bunso kong kapatid at yung kapatid ni mother (tita ko) kaya ayun hindi na kinaya bayaran ni mama yung 4k monthly. Kung tutuusin lang din nabayaran na ni mama yung principal balance, interest na lang binabayaran nya na lumobo na. Ngayon, nagtetext at tumatawag na nga itong mga "law firms" kesyo sasampahan na daw sya ng kaso, etc., e si mother di na alam gagawin nya. Pwede ba sya kasuhan ng fraud or estafa dahil hindi nya binigay sa robinsons bank yung bagong atm na may chip? nagbabayad naman si mama monthly pero maliit na halaga nga lang. hindi rin naman kami lumipat ng bahay or lumipat ng trabaho. Sana may mag respond. Maraming salamat po

I badly need help po/ some advises, Please. I don't know what to do.

Mid Feb po, I got a loan from a local lending company to use for my grandmother's hospitalization. I borrowed 12k, got barely around 10k (less processing fee and adv interests)
Need to pay for it for 15k. Since emergency and walang wala po talaga pagkukuhanan, I agreed for the terms. The loan is good for one month.- 2gives. (15 days interval). Couple of agent have been calling me 2-3 days bago ang due date. I told them that i will be paying for it on the due date. They still keep on texting for the reminders. I received like 5-10 calls on the day of the payment which i find very annoying na. I was able to pay for the 1st hulog, exact date. May contact akong agent, kausap ko bago ako magpunta sa payment center at around 3:30. He said that i have to pay for the amount bago mag 4:00pm. I felt pressured but then again naisip ko, it's my obligation anyway kaya i tolerated. Yung kausap ko sabi tatawagan ako ulet in 10mins. I told them nakapila nko, just waiting for my turn para sa hulog. Naprocess ung payment at around 3:55pm and sent him a text message na na-email ko na ung receipt thru their customer service email. Sent at exactly 4:00 pm. I tried calling him couple of times to confirm pero hindi na sumasagot so I thought okay na. After some time, may tumatawag ulet skn at nangungulit saying that I haven't paid for what we have agreed upon. I sent them the receipt as a proof but still receiving couple of calls saying na lumagpas na sa oras/cutoff (4:00pm) ng pagbabayad and need to pay for the exact/whole loan amount including the interests. I called their office telling them what is happening. At first I was talking to a customer service agent telling them what is happening. But instead of doing something, sinisisi pako saying na dapat nagbayad daw ako on time. I've been telling her, that day is my due date and I paid for the amount na napag agreehan bago mag 4:00pm. Then he transferred me to the collection department. I talked to somebody but same thing. Kinuwento ko ulet nangyare. I told him i already sent the receipt dun sa email nila but still said na lagpas na daw cutoff nila and need to pay for the whole loan amount. If not idedemanda daw ako. I tried to contact their office for the next couple of days since I kept on receiving letter of demands stating that I still have to pay for the whole amount. But nobody is listening. Pinagpapasahan nila ako kung san sang department kuno. I felt bad, tired, scammed and harrased- that's when I stopped communicating.
Now I still receive an email pero iba na ung details na nakalagay. Last week ng Aug, umabot na daw ng 24k+ ung loan together with the interest and penalties. I sent them an email but I haven't got any reply. Yesterday, I got another email na it's already 40k+. That they'll be filing a case against me if I won't be able to settle it within a week. They're also threatening na pupuntahan daw nila work ko. I just don't know what to do. I'm honestly a bit pissed and afraid. Hindi na po ako nakakatulog ng maayos kakaisip sa sobrang stress. Please po tulong.