this is the toughest part of the journey. Do i need to talk to them or just simply avoid and ignore them.
Talking to them will just waste both our time. Since i have no funds to pay them and they would not listen to my plea for extension and reduction of interest.
The more you show them you are afraid , the more they harass you and they become bolder.
Much as i would like to pay them, i do not have the money.