Me and my husband have an unsettled loan amount with a lending company. I admit that it was a negligence on my part that I did not track the record of our payments. I really thought that we already fully paid the debt. I received a text message last week that they will file an ESTAFA case (we issued a check and it bounced) against us if we failed to pay on or before sept 16, 2016 which was last Friday. I told them that we will be able to settle the amount but it would be not until this Friday Sept. 23. I just want to ask, if they were able to file the case this week and I am still willing to pay the amount, will I still be allowed to pay? Is the case automatically filed at the court or there are still procedures before it could be filed?
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