Maybe I can help abit see if it works for u. I did have the same issue with yours many years back when helping friend. My m1 and singtel Telco bills went up to few k. Lawyer Letters was sent. U try to call them speaks to the 1 who can make the decision. I know sometimes is frustrated, for now u need to keep your tone and attuide down as you looking for help. Tell them u want to pay but unable to make it so much in a short time. Can I pay it slowly and work out a plan for you and u just have to buy prepaid card now to use lo.