Kicked to the grave we hit financial problems

I write this with great disappointment and regret for the manner in which i have been treated by standard bank, i have been a client with the bank for 8 years now, i started with a normal savings account, then silver card, then gold and then Prestige, I owe standard bank a lot for assisting me and when needed loans.

I understand that I have defaulted due to financial problems for the last 3 months, I have been handed over to the attorneys for collection, and the attorneys are really stressing me out by saying that i will be blacklisted for 30 years, i am only 32 years old, when will i buy a house or car, can you kindly assist if recalling back my account to standard.

Please I have been really struggling and I don’t know how to report my account, all I can do is pay my installment. I have sent numerous letters notifying standard bank, but no physical evidence of the bank contacting me formally was done, i agree that the bank says they have been trying to call, but my phone has a speaker problem, sometimes doe not work well