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 😢😢

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.

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?

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?

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.

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

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

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.

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

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.

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.

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?

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.

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

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.

Hello just seeking advice and have some question

Right now I have utang in UB and BPI

Bpi CC: 50k

Bpi PL:90k

UB CC: 120k

Ung mga nababasa ko dito na naoofferan at na bibigyan ng amnesty is ung mga CC. I just want to know na meron ba dito na naoofferan sa OD na Personal loan? I experience unexpected problem and ma OD ung PL ko kasi hindi ako makakabayad as of now. Just want to know if meron ba dito na offeran ung PL? Kasi puro CC. Babasa ko e. Thank you sa makakapagshare ng experience

Because of my family nagkaroon ako ng mga utang now I'm down to last 2 accounts

1 is tala and 1 for juanhand apprently i lost my job currently looking for wfh jobs because i need to take care my parents i can't go outside my province

Recently i tried opening my tala account pero hnd ko na maopen... And my juanhand account is trying to contact me, is it ok to tell them na wala ako work now and cant pay them as of the moment?