it's a subtle way of asking for an "advance commission"
after you pay, sasabihin sa iyo:
" sorry, disapproved eh".
what will you do now?
NEVER deal with collectors,
whatever promises they make.
there is no guarantee.
go personally to the bank.
But if they wont entertain you,
wait for the court.
same thing will happen - negotiation
but at least formal, legal and fair.
(if they are serious,they will file a collection case
and not merely refer you to third parties)