Unpaid eSALAD Loan No PDC

I have an unpaid esalad loan worth 124k and lumubo sa interest na 220k. Before ung account ko is asa collection agency and now binalik nila sa bank under legal dept. Nakareceive na ako ng email from the bank (though im not sure if they are really from the bank or just forwarded sa another collection agency since ung domain ng email nila is naka gmail.com lang instead of the bank email domain) advising na my case is for investigation sa prosecutor office and a hearing will be serve if I would not contact them to settle. They sited the article 315 for estafa case which I dont know why kasi never naman ako nagissue ng PDC since eSalad ito and consistent naman ako nakipagusap sa mga collection agency to settle this debt.

They are forcing me to pay 124k on the spot or else daw magpush sila sa case for 220k, which I dont have the money for except sa natitirang 4k. I told them nicely naman na I can pay 4k and another 10k sa friday and every 15th of the succeeding month, june onwards, I would pay for 10k and on the 6th month which is November I can settle the 60k just to close of the principal na 124k.

They ask me to settle the 60k upront and staggerd un remaining na 10k. I told them na hindi kaya kasi ung 60k dun ko pa kukunin sa 13th month ko. I have a current loan sa Unionbank na binabayaran ko na 17k per month and gladly current palagi un payment and salary deducted sya, plus ako ang bread winner dito sa bahay kaya salo ko tuition ng 2 kong anak plus utility bills. Wala po ako luho, talagang nagkaroon ako ng financial difficulties last year for 6 month mahigit because I lost my job dahil umaabot ng 160/100 un BP ko and pre diabetic po ako. I also have psychosocial disability with severence anxiety and depression clinical diagnosed since 2008.

They allow me to settle the 4k and then sabi nung kausap ko na iprepresent daw nya sa attorney handling my case ung proof of payment na pinadala ko if papayag sa nirequest kong settlement. I told them naman na willing ako magsettle on my own terms kasi ito ang realistic for me to pay my debts and as much as I want to hindi ako makakapaglabas ng 60k or 124k or worst 220k on the spot now kasi may mga bayarin ako sa bahay at loans din.

I want to continue the 10k payment monthly though what of hindi sila pumayag sa request ko amd maginsist sila ng 124k or 220k, can I just ignore them nalang and continue paying 10k monthly until maclose ko ung principal na 124k? Will they still pursue the case na sinasabi nila kaht maghuhulog naman ako buwan buwan? Should I tell them na hindi ko tlaga kaya un 124k or 220k on the spot payment and I will stick with the 10k payment monthly?

Please advise