What is Philippine's Fair Debt Collection Practices Act?

I have been harassed by credit card debt collectors and suffered a significant amount of humiliation from my family members, neighbors and colleagues because of rude calls and letters from these agents.

These have made me at one point to become a paranoid.

And thus prompt me to make a research about the laws regarding Debt collection and my rights.

My online research led me to the Philippine Senate website.
http://www.senate.gov.ph/lis/bill_res.aspx?congress=14&q=SBN-1277

I have learned that Senator Miriam Defensor Santiago introduced Senate Bill Number 1277 on July 4, 2007, during the 14th Philippine Congress, entitled “An Act Providing For Fair Debt Collection Practices and Requiring Debt Collectors To Observe Such Practices”.

Collection Agencies visiting your home giving demand letters

I have Credit card debts and personal loans that have been defaulted because of loss of job during the 2008 recession.

I currently have job now but still not enough to pay them now.

In 2009, I started receiving phone calls from the bank or so they say, telling me to pay my total amount due or they will report me to the interpol and get arrested.

I was really worried during that time, thinking what will happen to my family if i get into jail, much worse is the embarrassment I'm getting since they are calling to my work and harassing my office mates.