Of course, this collector's approach is also a bit extreme.

At present, you'd better call the company that owes you money, explain the situation to others, explain that you are unable to repay your own things, and it's not a malicious default. Try to get the understanding of others and let them give you interest relief. Of course, this is just an effort, and people may not agree. Then you still have to work hard on your own. Paying back the money is the right way.