I hope this message finds you well. I am writing to request your advice and guidance concerning a recent summons I received from the sheriff. The summons relates to a Nedbank personal loan I obtained while employed at a bank. Unfortunately, due to my recent retrenchment, my financial situation has changed significantly. Previously, I was managing monthly payments of R2305.20, which were feasible for me at the time. However, I have now been informed that the matter has been escalated to an attorney due to my inability to meet the full monthly installment. Despite negotiating a payment agreement of R250 per month, which I have been adhering to, both the attorney and the bank have been reluctant to accept this arrangement. Currently, I do not have a income as I have just started my career in Real Estate and have not yet generated earnings from property sales or rentals. I am committed to prioritizing debt repayment as soon as I begin earning. I am seeking advice on the best approach to respond to this summons and manage this situation given my current financial constraints. Any guidance or support you could offer would be greatly appreciated. Thank you in advance for your attention to this matter. I eagerly await your response.