“Please stop the harassment. Under Article 1144 of the New Civil Code of the Philippines, you are only authorized to do action within 10 years (Statute of Limitation). Further, please refer also to the the BSP Circular No.454 Series of 2004 for collection practices and my rights as an individual. I know my rights.”

Sec. 26. Administrative Sanctions on Credit Card Issuers.

Sec. 27. Violation of this Act and Other Related Rules, Regulations, Orders or Instructions. A person who willfully violates any provision of this Act or any related rules, regulations, order or instructions, issued by the Monetary Board shall be punished by imprisonment of not less than two (2) years nor more than ten (10) years, or by a fine of not less than fifty thousand pesos (P50, 000.00) but not more than two hundred thousand pesos (P200, 000.00), or both, at the discretion of the court.

"Sec X320.17 Appropriate manner of collection and use of third party collection agents... Provided that in the exercise of their rights and performance of duties, they must observe good faith, reasonable conduct and proper decorum, and refrain from engaging in unscrupulous acts.

a. the use or threat of violence or other criminal means to harm a person, or his/her reputation or property;
b. the use of obscenities, insults, or profane language which amount to a criminal act or offense under applicable laws;
c. disclosure of the names of credit cardholders who allegedly refuse to pay debts, except as allowed under Subsection
    X32O.L2;
d. threat to take any action that cannot legally be taken;
e. communicating or threatening to communicate to any person or entity, credit information which is known to be false, including    

    failure to communicate that a debt is being disputed;