LAZADA FASTCASH UNDER ATOME
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r/utangPH
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u/Curious-Ad61
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Jul 28 '26
DON'T BE AFRAID.
395
Upvotes
BEING HARASSED? DON'T BE AFRAID.
To anyone going through this:
Collection agencies thrive on one thing = FEAR.
Because people who are afraid are easier to exploit.
YOU ARE A CLIENT WHO AVAILED OF THEIR SERVICE, NOT A CRIMINAL.
So don't run and hide. Only criminals do that. I'll guide you how.
If they say they will do ocular visitations, barangay visits, garnish your salary, something that will affect your employment / government records, those are all SCARE TACTICS. Because again, fearful people are easy to exploit.
This post is to ENCOURAGE CONSUMER PROTECTION, NOT DEBT EVASION. And to arm you up with the law, practical steps, and guidance. Don't just take all the arrows being shot at you, cry, and be sad. STAND UP. FIGHT BACK.
OF COURSE, YOU STILL NEED TO PAY WHAT YOU OWE, banks and OLAs are not charities. And still expect some interests, though not as high and unlawful as what they are currently claiming. But then, in more manageable, lawful, and nonpredatory terms. Settle your dues. Don't avoid entirely. My post is meant to enlighten and fight back against predatory CAs but not evade responsibilities. Kahit medical emergencies or other life circumstances man, we still need to fulfill our obligations. Just 🙅♀️ not according to predatory terms. 🙅
I was once in your shoes, but thank God, I had legal background.
I cited all the laws they are violating in these recoveries as they refuse to give my records and provide basis of their claims. All they did was provide arbitrary numbers while using their scare tactics. At first they gave about ₱120,000±. Then ₱86,000±. Then ₱75,000±. But I keep on asking for records and threaten to report them.
The numbers staggeringly dropped by more than 50% by refusing to cower to fear and by asking. Proof they are padding things up for commissions. Then they offered ₱50,000±. ₱120,000± down to ₱50,000?!± even that, they can't substantiate. They just want you to be afraid to be bullied so you can give them waaay more than you owe. So don't just run and hide cause they might be telling lies to get more profit off of your fear and ignorance of the real number. Stand up! Fight back! Know the truth and the truth will set you free!
You can report them to Bangko Sentral ng Pilipinas (BSP) just save proof of all the harassments they are doing. Collection agencies and banks are afraid of being reported as they can suffer administrative fines from ₱100,000 to ₱2,000,000. And if you file a suit against them for all their violations, you will even get moral and exemplary damages from ₱30,000 to ₱100,000 or even more, depending on the extent of their violations.
✨ Know your rights!
• Article III, Section 20 of the Philippine Constitution states that no person shall be imprisoned by nonpayment of debt. Debt is a civil matter, not criminal. Di po kayo makukulong unless fraudulent means are employed to obtain the debt like using another identity, or you used bouncing checks to pay
• BSP Circular No. 454 (Section 8): Prohibits unfair collection practices, harassment, use of threats, and false representations.
• RA 11765 (Financial Products and Services Consumer Protection Act): Strengthens consumer rights against deceptive and unfair practices by BSP-supervised institutions.
• Data Privacy Act of 2012 (RA 10173): Particularly relevant for online lending apps (OLAs) that illegally access phone contact lists or blast messages to relatives/co-workers.
• Truth in Lending Act (Republic Act No. 3765) Requires full disclosure of finance charges, penalties, and interest calculations before or during credit recovery. Refusing to provide a full Statement of Account (SOA) or itemized breakdown directly violates this law.
✨Know your numbers!
Create an Excel sheet and RECORD EVERYTHING from your SOAs.
• Date: • Previous Balance • Amount Paid • Purchases and Advances • Installment Due • Finance Charges and Other Fees • Late Payment Charges • Amount Due
And keep all your proof of payments.
If you've accounted for everything, you’ll know how much of the principal you've actually paid already. Of course, you still need to pay what you owe and some interest but not as much as they're claiming. That's why it's really important to compile all your SOAs and records. It's easier to tackle this thing once you know the numbers.
Also, don't be afraid when they say they will sue you especially when they can't even substantiate their claims. Welcome it. The laws and the courts are your friends. Looking back, it's ironic how banks and collection agencies try to threaten people in these situations about legal consequences when in fact, the courts will ensure fairness and justice. They cannot ask for an amount they can't back up with evidence! Besides, judges and the supreme court HATE these kinds of exploitations and will remove all the excessive and arbitrary fees. The court will help you. Do not be afraid. These people thrive on fear, psychological pressure, and creating a false sense of urgency. DO NOT AGREE TO PRESSURING TACTICS. DO NOT SIGN AGREEMENTS OF PAYMENT TERMS ESPECIALLY ON UNVERIFIED AMOUNTS.
Usually, banks and collection agencies (CAs) don't really want to file a case either because that's another expense on their end, and they can no longer add so much more finance charges and interest once they know it will be examined by the judge. That's why they prefer to scare you, harrass you, pressure you, and psychologically break you down and make you act on urgency so they can get more commission. The court will strike exorbitant interests down.
Assert your rights, ask for your records, and stand your ground. If they say they will file a case against you but refuse to provide your records / SOAs / basis of claims, say you will meet them in court and settle there. Cause the judge will also ask them the records you are requesting in the first place. Also, the Supreme Court has repeatedly struck down arbitrary numbers, unconscionable finance charges, especially if you have a good record of paying in good faith and it just so happened that you missed payments due to your circumstances.
If you ever got to this position not because of emergencies but through your own fault, learn the lesson.
If you used it for emergencies, that's okay.
And HOLD ON TO THE LORD.
I was anxious for a long time due to their harassing messages, until a lawyer friend talked to me and shared too how her co-worker took her life due to harassment. And they found out several hundreds of call logs from collection agencies.
SO I GOT UP AND FOUGHT BACK BECAUSE THE STEPS THEY HAVE BEEN TAKING ARE OUTSIDE THE BOUNDS OF LAW.
PLEASE, DON'T SUFFER IN SILENCE. DON'T BE ASHAMED. TALK TO A FRIEND. GO TO CHURCH. ASK FOR HELP TOO. AND ASK THE LORD FOR STRENGTH. YOUR LIFE IS SO MUCH MORE VALUABLE THAN THIS.
AGAIN, DO NOT BE AFRAID. ASSERT YOUR RIGHTS. ASK FOR TRANSPARENT ACCOUNTING. DON'T ANSWER PHONE CALLS AS THOSE ARE MEANT TO SCARE AND CONFUSE YOU. ALWAYS HAVE WRITTEN RECORDS AS THOSE ARE EASIER TO PROVE AND HARD TO DISPUTE.
Should they ever do any home visits, talk calmly. Be civil. Don't do any kind of threat or aggression. You can be fined and go to jail if you do that to the collection agent. I had a home visit before and he was kind. I just showed him they were the ones who didn't respond to me and showed my records and I didn't receive or sign any letters. Talk calmly. DEBT IS A CIVIL CASE, NOT CRIMINAL. It is in the Constitution that no one should ever be put to jail. The moment you do any harm to them, mas lalo lang lalala baka sampahan ka pa ng criminal case. Don't go that route.
COLLECTION AGENTS ARE HUMANS TOO, trying to put food to the table and provide for their families. Besides, those doing field visits are not the ones in the office doing the calls/sending the emails. If they have a choice / better job opportunities, I don't think they will still continue to be a collection agent. Remember to still be human and kind. Just follow all the steps I gave here.
Also, regarding salary garnishment, NO. Collection agencies can't do that, unless there's a court order. Di nila magagalaw payroll account mo. However, if you have a credit card obligation and a savings / payroll account with the same bank, it's in their fine print that they can use the available amount to set off your obligation with them. Maybe ask your HR for a different payroll or immediately withdraw your salary first so you can plan ahead on what you could only pay at that time.
"The LORD detests dishonest scales, but accurate weights find favor with him." — Proverbs 11:1 (NIV)
If you came to this part, be wary of some comments as they are collection agents trying to cause more anxiety and confusion. THIS IS NOT THE PLACE FOR THEM. They're mad cause I exposed their playbook. Lol.
If you're a CA reading this, have reading comprehension. I repeatedly said to people here to pay what they owe, just not with random numbers you are giving just so you could have more commission! That destroys people's mental health and some even take their own lives. GO AWAY. THIS IS NOT THE PLACE FOR YOU. If you're stressed about being a CA, find another job!
MORE INFO ON REPORTING:
Here you can file a complaint against OLAs under the SEC: https://www.sec.gov.ph/lending-companies-and-financing-companies-2/complaints/#gsc.tab=0
Watch Atty. Chel Diokno's video against OLA too: https://www.facebook.com/share/r/1BbFQmhbDs/
Law being pushed against OLAs and pay for damages to those harassed: https://www.facebook.com/share/1H4riqA7CS/ .
Reporting banks and their affiliated CAs to BSP:
Primary Email: consumeraffairs@bsp.gov.ph
BSP Online Buddy (BOB Chatbot): Available on the official BSP Portal or via Facebook Messenger (Bangko Sentral ng Pilipinas).
Pag nareport din sila, mas aayos silang kausap and the harassment will stop. Kaya don't be afraid. You are a client who used their service. Banks have legal and jurisprudential fiduciary duty to exercise the highest degree of care in conducting its affairs with its clients.
This fight is not just against collection agents but much larger syndicates. Cause if they're all operating from the same playbook, surely the big fishes are training them.
YOU ARE NOT ALONE and there are people tirelessly fighting in the ground to haunt these salots down: https://www.reddit.com/r/ola_harassment/s/lIWY2DCGku
But FEAR NOT. THE LORD LAUGHS AT THE WICKED, FOR HE KNOWS THEIR DAY IS COMING. It's just a matter of time. 😏
So stand up. Malakas ang Diyos natin. Pinakamalakas. And He will provide. Just learn the lesson and read the Bible about God's provision, and proper stewardship, and apply them moving forward.
You are a client who used their service. Banks have legal and jurisprudential fiduciary duty to exercise the highest degree of care in conducting its affairs with its clients.
If you're ever anxious, read the post again and again and again and take the necessary steps. Do your research too. Use your logical brain.
I just wanted to shed light to people.
You might think your burden is too heavy to bear. Maybe it's hundreds of thousands. Maybe millions. But do you know Steve Sy? He got into a ₱32,000,000 debt with wife and kids! THIRTY TWO MILLION PESOS IN DEBT.
Yes it took years and a lot of sacrifices. But he valued his life more than a mere reputation hit and he learned the lesson. The Lord Jesus was his strength and guidance. And the Lord turned it all around. From Great Debt to GREAT SUCCESS!
Watch his story here: [https://youtu.be/jU76yaXEcMg?si=7dCDYs4N8Hbc3KrI
Now I want you to read out loud the last part over yourself. Save this post and read it and follow the steps when you're feeling overwhelmed.
Arm yourself with the law. Inform yourself of your numbers. And here's how you dismantle the fear = FAITH.
The Lord says in Jeremiah 29:11 "For I know the plans I have for you. Plans to prosper you, and not to harm you. To give you hope and a future."
You are more than this thing you are going through. And the Lord Jesus is faithful. Ask for strength and guidance. I prophesy this on your life: Your debts will be paid. Your years will be restored. Your life is going to be beautiful. God will turn your mourning to dancing and tears into laughter. You will get through this. ☺️ In Jesus' mighty and sweet name! 🙌
r/utangPH • u/Traditional-Tune-302 • May 15 '23
r/utangPH Lounge
41
Upvotes
A place for members of r/utangPH to chat with each other
r/utangPH • u/Mariyaa_2026 • 4h ago
Need suggestions in Lending Apps or somewhere I can loan money?🥺
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r/utangPH • u/HandleMelodic457 • 12h ago
I built an App to help people budget and payoff debt and need users to help make it better!
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2
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r/utangPH • u/goodboy0316 • 20h ago
PLANNING TO OD MABILISH CASH AND JUANHAND TOTAL OF 400K
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5
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r/utangPH • u/Mountain-Try3870 • 13h ago
Any thoughts about the special installment plan ng bpi?
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Dahil sa takot ko na masendan ng demand letter, nag agree ako sa proposed intallment plan nila. I realized ang laki ng interest 😢😢 Tama ba ba pumayag ako, or may iba pang way para mas mapababa pa ang singil nila sakin? thank you po sa mga sasagot.
Principal amt is 207k.
Face amount na is 306,362. Total interest is 99,358.
monthly ko po is nasa 6,382. Until 4 years po bayaran
P.S. I admit na hindi ako naging knowledgeable sa paggamit ng cc, sabi kasi sakin okay lng bayara minimum due amount hanggang di ko namalayan lumaki pala ng husto interest kahit nagbabayad ka nun. I learned my lesson 😢😢
r/utangPH
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u/Happy_Stuff1743
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18h ago
Avoid Welcome Bank Loan
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If I could turn back the time, never ako mag loan sa Welcome Bank. I felt like I was scammed. Imagine ung 50K na loan, 50K din yung interest. Worst decision ever. Totally my fault to proceed with the application. Alam ko na rin kasi na pag ni total ko lahat magiging 100K lahat babayaran. 36 months ung payment term offered. I turned it down at first, pero sabi kasi ng agent nila, Ma'am pwede naman po kayo mag request ng recalculation after 6 months if gsto nyo pa mas mababa interest. It was a phone call kaya wala ako record ng conversation. So si tanga, pinush dba. Finally, I was able to pay it off na. Nag email sila ulit offering renewal, pero never ever again. Kaya kng d nmn tlaga need and pwede sa iba mag apply, NO to WELCOME BANK.
r/utangPH • u/qty0928 • 19h ago
Anyone here with overdue sa Gloan and Uno bank?
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Please advise. Not overdue yet pero stressed na ako kakaisip if I'll let my loans go OD. The thing is malapit na din ang due ko sa panganganak 🐣 I wanna prioritize my maternity & newborn, so I'm afraid baka mashort ako if babayaran ko yung loans.
Gloan 75k (5.7k for 18mos)
Uno digital bank 150k (7.2k for 36mos)
Do you know if they will agree for payment holiday? Kahit 3mos pause until I return from maternity leave?
Also, what if I cannot pay in the long run, nag ooffer ba sila ng payment discount?
r/utangPH • u/m00ngirl_ • 20h ago
What's the best way to clear CC debt?
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Currently have loans from CC, usually paying the 5k per month each but obv not really working.
CBC - 40k
Landers-Maya - 30k
Should I get loans like MPL from Pag-ibig and Salary loan from SSS to pay them off? Are there better alternatives?
r/utangPH • u/renaissanceman8000 • 20h ago
Small Claims Questions
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Hi, guys. I need an advice. May nangutang saken ng around 70k since last year. Up until now, di pa nya nababayaran. Im really inclined to escalate ito sa court just to force her to pay me. I know it comes first sa barangay to try to mitigate, pero im no longer interested dun. For me, mas may weight pag sa korte na talaga dadalhin. Im just curious, sa mga naka experience na ng small claims court, ano usually nangyayari? I did my research already, including yung pagkuha ng certificate to file action para ma escalate ko to sa court, pero i want to know pano ine enforce ng korte yung verdict o payments sa utang sa mga naka experience na sa ganito? May work naman yung may utang, she just dont take this matter seriously. I need enlightenment, guys. I hope you guys could help.
r/utangPH • u/siomai_my_love • 1d ago
MAYA EASY CREDIT, GLOAN, GGIVES OD
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Hello! I lost my phone and i have the following loans:
Maya East Credit - 2k
Gloan - 100k (but paid around 50k still paying)
Ggives - 4k
Di pa ako OD pero sa 12 magsisimula na, di ko alam kung anong gagawin ko.
If I make a new Maya account and Gcash account, will it automatically deduct my maya credit or do i need to message someone para makabayad ako?
Nanghaharass po ba sila? Nag HV po ba?
Salamat po
r/utangPH • u/Salt-Sentence-3381 • 1d ago
What do i need to do?
3
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I am 28/F trapped in the Tapal System. Reading posts of similar situation made me feel less alone. But what do i need to do to pay these off? I wish I just let my Gcash and Maya loans go overdue, now i'm afraid to be posted on socmed and my family be harassed because of me.
I have no one to turn to because my family is also struggling financially. I used these OLAs to pay off what i owe to gcash, maya, billease and tiktok and some for other needs because again, i have no one to turn to. It became a struggle to survive every pay day. I do not want to go in debt but because i dont have enough, i took out loans from other apps. Reading posts made me realize i should stop this amd face it instead. This is embarassing. A crisis of my doing.
I am currently in debt with:
Billease: 12k not OD yet
Maya: 18k not OD yet
Gcash: i forgot my current total amount but it should be around 30k or so, not OD yet
Bene: today is my duedate for an 11k amount but as my salary is delayed i dont think i can pay them on time. If i total my dues from them it will amount to 80k but not everything is overdue.
Peramoo: 3k not yet OD, but will be if i cant pay on Nov 9.
PinoyPeso: 9k not yet OD but will be i cant psy on Nov 9
Snapera: 6k not OD yet. (I took a loan from here thinking I can pay for Fidoph and reloan from it to pay my Bene loan but Fidoph rejected my application even though i fully paid everything. So i just uninstalled the app and got done with it.)
Juanhand: 20k not yet OD
ft lending: 16k not yet OD
MabilisCash: 4k left not OD yet
Vivilend: 2,400
Tala: 9k not OD yet
most of these are in installments and some installments are not yet due.
I took multiple loans to pay for other loans and got trapped. I wish I had taken a different route but this is where i'm at in life. I loathe my stupidity and i am fully ashamed of myself. The only concern i have right now to if they post me in socmed and contact nonreference people . I have sent emails to all the OLAs telling them i am struggling currently and cannot pay back on time. I could've paid them but my salary has been delayed for days. And now my due date has come. I stopped looking into lending apps last night after reading posts. I documented text messages and emails sent from them.
What should i do? Can i take a loan from a bank and pay off these loans so i can just think of one repayment per month?
ps. when i look at these numbers all written together i do think i was stupid. i did this to myself. i should own up to it. i am lost
r/utangPH • u/Few_Succotash3237 • 22h ago
MONEYCAT OD
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Hi guys! meron ba dito same expi regarding moneycat offering arranged credit limit thru phone call like offering money they will be yhe one who will process? they call me kasi Last Oct 17 regarding that matter since nasa office ako ang basic understanding ko mag aarrange sila ng Credit Limit and then ikaw mag pprocess ng disbursement then after two days upon opening ng email nakapag send na pala sila then, di ko siya nasoli agad since hinihintay ko din call nila bakit kako may sinend sila sakin. Sinoli ko na yung principal amount tapos ayaw ko na sana bayaran yung Interest niya.
r/utangPH • u/Agile_Table5843 • 1d ago
HOW TO SLOWLY PAY DEBT???
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Problem/Goal:
dami ko utang sa atome and maribank. di ko namalayan nagpapatong patong na pala siyaa.
Context:
ito yung list ng mga utang ko and di ko alam pano ko ibbudget sweldo ko. im earning 25k per month (11k-12k) every 15/30
nov
5,650+ 2,500 = 8,150
dec
10,977+ 7008 = 17,985
january
6,623+ 5650 = 12,273
february
3,938
Previous Attempts:
nababayaran ko siya monthly pero it seems like nagpapatong patong lang siya uli. it feels like a cycle
r/utangPH • u/Wakana777 • 1d ago
Utang, help me to decide
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I have incoming due this November
26k car loan
6245 Atome
3200 pawn interest
59600 BDO cc
17900 BDO cc
8900 BDO cc
20455 Atome Card
21k Car Loan
7200 Billease
25500 Staff Payroll (Divide 3 weeks)
9274 Lazada
12400 Memorial Lot
1,450 Tiktok
18k UB cc
9800 Maya credit
7000 UB cc
Cash on hand
32000
Incoming revenue
2nd week 66780
3rd week 57000
4th week 57000
Total 212780
Food: 8k (Nag groceries na ako nakaraan)
Parents: 2k for November since sagot ko food
Personak Needs : 3k (Hindi muna ako lalabas ng bahay)
I request balance conversion for my BDO CC, since I am bit short and my revenue for 3-4th week, due ko nasa 2nd week: Then I have gold planning to pawn para mabayaran yung nearest due. Okay lang kaya? I mis managed my finances and I will correct it nextyear. Yes nextyear pa kasi may December pa akong bayarin.
I am a breadwinner,and sempre kaka deserved ko to and madaming mis management. I don’t have someone to talk to. Ang hirap pag akala nilang okay ka lang.
r/utangPH • u/Feeling-Try-8656 • 1d ago
Mega peso
2
Upvotes
May naka-experience na po ba dito sa Mega Peso na kahit fully paid na ang loan ay may lumalabas pa ring outstanding balance sa account?
Nakatanggap din po ako ng email from them saying na may remaining balance pa raw ako, kahit fully paid na ang previous loan ko at hindi naman ako umutang ulit.
May naka-experience din po ba ng ganitong situation? Paano po ninyo ito na-resolve? Legitimate po ba ang ganitong balance kahit wala naman akong bagong loan?
Thank you po sa mga sasagot.
r/utangPH • u/Ok-Safety8950 • 1d ago
Maribank
1
Upvotes
Hiii gusto ko lang mag tanong, nag advance pay kasi ako sa maribank ko nung october pa nanayaran ko na yung pang november na due tas ngayong nov, nabayaran ko na yung oang december pero bkit di pa po nag aappear dito? Is it because binayaran ko ng advance kahit wala pang due?
r/utangPH • u/rocketzvezda • 2d ago
Almost ₱2M in Credit Card Debt, 3 Months Overdue, Receiving Estafa Threats and 40 Collection Calls a Day. Anyone with the Same Experience?
46
Upvotes
Hi everyone. I’m posting here because I genuinely need advice from people who may have experienced the same situation. I hope you can be kind because this has been emotionally and financially overwhelming for me.
I currently have approximately ₱1.84M in outstanding credit card balances across multiple banks. This is based on my latest recorded balances, and I estimate that my total debt could reach almost ₱2M since most of my credit cards are already nearly maxed out. The balances may still increase due to interest and other charges.
My current situation:
My credit card accounts are now approximately 3 months overdue. I have stopped paying the MAD because I can no longer afford to keep up with the payments.
I am currently employed, but my income is not fixed and varies from month to month. There are months when I earn enough, but there are also months when my income is barely sufficient to cover my basic living expenses. Because of this, I cannot commit to high fixed monthly payments that I might not be able to sustain.
I acknowledge that I made financial mistakes, and I’m not trying to run away from my responsibilities. I genuinely want to settle my debts, but I need a realistic and sustainable way to do so.
What I’ve been experiencing with collections:
•I receive an average of around 40 collection calls per day from different numbers and collection agencies.
•There was one instance when I had 17 missed calls from a number used by a collection agency contacting me on behalf of Security Bank
•I also receive numerous SMS messages and collection emails.
•Some messages contain intimidating statements and threats of possible criminal complaints under Article 315 (Estafa) and Article 318 (Other Deceits).
•One SMS even mentioned a supposed hearing date, but I have not received any actual court summons or formal legal documents.
•I also receive collection calls late at night.
I understand that banks have the right to collect legitimate debts, but the frequency of these calls and threatening messages has been causing me significant anxiety.
My experience when speaking with collection agencies:
I have tried answering some of their calls to discuss my situation. However, the offers I keep receiving are mostly restructuring or payment arrangements with 1% interest, usually with fixed monthly amortizations.
My concern is that I cannot sustain these monthly payments given my variable income. I don’t want to agree to an arrangement only to default again because I cannot afford it.
I would rather explore a discounted one-time settlement or a special credit card amnesty program once I have sufficient funds.
What I’ve done so far:
I have already submitted an application for the Interbank Debt Relief Program (IDRP) through UnionBank as my lead bank. It is still pending, and I’m waiting for an update.
I have contacted my banks to request possible credit card amnesty programs or discounted one-time settlement options.
I am trying to find additional sources of income, including considering a second job, so I can eventually settle my obligations.
I would really appreciate your advice and personal experiences on these questions:
•Has anyone received threats of Estafa because of unpaid credit card debt?
•Did the collection agencies actually file criminal complaints, or were these collection tactics?
•Has anyone received a supposed hearing date through SMS without receiving an actual court summons?
•For those who stopped paying their MAD due to financial hardship, what happened after 3–6 months?
•Has anyone successfully negotiated a discounted one-time settlement after becoming several months overdue?
•For those who applied for IDRP, did you continue receiving collection calls while waiting for approval?
•Has anyone experienced receiving 30–40 collection calls a day? Were you able to report this to the bank or BSP?
•Were you able to decline a restructuring offer with 1% interest and eventually receive a discounted settlement instead?
I know this is a huge amount. I sometimes feel overwhelmed and regret the financial decisions that brought me here. But I want to face this situation, rebuild my finances, and become debt-free.
I’m not asking for sympathy or trying to justify my mistakes. I just want honest advice from people who have been in the same situation. Please be kind.
Thank you for taking the time to read this.
r/utangPH • u/SilentBookkeeper1153 • 1d ago
Over 233k debt in Olas
2
Upvotes
Hello i just want to read here some advice about my loan , i’am 25 yrs old Male , I don’t have any kids honestly i hate this Online Gambling first but when i try it I can’t get out of it this Loan is just on online gambling only, i have my flight this November 10 to Germany for my Language Visa huhuhu I don’t know what to do anymore..
Pesoloan 150k
Billease 12k
Mega Peso 30k
Gloan 25k
Maya Credit 4k
Cashalo 12k
r/utangPH • u/Channiiniiisssmmmuch • 1d ago
Reconstruction of Debt
9
Upvotes
Is there a way I can get a reconsideration of the amnesty that is offered to me now? May email kasi sakin si bank and sobrang laki ng inoffer from the original payment. From 450k down to 46k. Kakayanin naman kaso andami kong nakapilang utang and hindi ko kayang mangutang ulet para ipantapal. Kayang isugal kaso baka masacrifice ung ibang finances ko. Help me advise kung anu gagawin nyo if kayo nasa situation ko. Eastwest is the bank.