u/bejeweledbee

I overpaid over 2k pesos with homecredit, ma rerefund ba sya

Hi, out of desperation umutang po kmi sa HC ng cash. 6k a month sya and something happened and right now 1 month past due na kmi. Nawalan din kmi trabaho. What happens po after that? If hindi kami makabayad what happens po?