I have a loan and I was not able to pay my monthly obligations because of lack of financial capability. Yet, i have bonuses to fulfill said obligation. But because of the hospitalization of my children, my bonuses was used to treat the illness of my little ones. Same scenario happened upon release of my midyear bonus. And now, the loan is overdue to its contract and haven't paid them off. What legal action should i do? Im afraid being sued by the creditor.