A group of debt-ridden credit cardholders have gathered yesterday, trying to persuade the Financial Supervisory Commission to order the banks and debt collection agencies to give them a break during the Chinese New Year. They are hoping that the money collectors can stop sending vicious text messages and threats to them for at least one month.

Ms. Wu has been receiving either notices or phone calls everyday regarding her credit card debt of 1 million NT dollars.

She said she is almost going mad, and she hasn't been able to make payments since last November, because she has mental illness.

Mr. Chen, who is also in fear, is going through similar situations.

He currently owes the bank 2 million NT dollars from losing money in investments.

Now, he is working hard to earn the money back, but his latest hand injury is slowing down his working process to pay up.

The money collectors have since threatened his family safety, on top of spray-painting his house.

According to lawyer Lin Yong-song, if these two cases took place in Japan, the bankruptcy law will provide the individuals with more protection.

To bring their problems to the surface, an association of credit card victims have gathered, requesting the FSC to give them a 1-month suspension of returning their debts, so they can celebrate this holiday season like everyone else.