Well I don't know very well how this is going but several people have spoken to me about this and the truth is that I am very desperate because I have a few debts to pay first of all I live in a field without electricity and a relative signed a contract with me to buy solar panels and batteries we were paying the credit until we got a lien that took away the payment for the month so we couldn't pay the first instalment when we wanted to pay the instalment they had increased the late payment costs we had to stop paying it because they didn't give us the option to pay in instalments. we had to stop paying because they did not give us the option to pay in instalments now in january my relative is summoned to court for the totality of the credit i have several credits to pay and i suffer from chrom disease and i suffer many tummy aches because of thinking so much about how to pay everything so i do not owe anything to anyone and i can sleep peacefully i hope you can help me to resolve these payments i thank you in advance.