ATOME CARD URGENT: Your unpaid ATOME CARD balance puts you at serious risk of escalation. Non-payment may lead to permanent ATOME CARD suspension, field collection visits, and blacklisting through the Credit Information Corporation (CIC), which may impact your future credit standing. Avoid escalation—contact Bernales & Associates now at 09176330454 or Viber us at 09985997390 and look for Mr. John Frances Magracia for assistance. Disregard if payment has been made. This message is confidential please do not share or forward.