Dear PAO,

I am currently a manager of a fast food chain in Metro Manila. Three years ago, I obtained a loan from a bank to finance the medical expenses of my ailing mother.  Unfortunately, my loan fell due; I wasn’t able to pay because of the high interest rates. The bank filed a case against me for collection and garnishment of my payroll account with my employer.  Can I validly object against the legal step taken by the bank?

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