u/FunGuarantee9319

This is GCCS & Associates Corp., partner of Monee Credit Finance Philippines. Your SPayLater account is now three (3) months overdue. We encourage you to settle your outstanding balance within the day to avoid further collection handling. As part of our normal account review process, the account may be scheduled for a field visit to the registered address and a formal demand letter may be sent. Please contact us promptly to discuss payment arrangements and avoid additional steps.