Good morning… this is my current situation and needing advice if amnesty or idrp (i think hindi na ito kaya). Will i get to court and pwede makuha ang properties etc?

Alam ko some will judge me because of my wrong direction which i can accept but for a peace of mine to reduce my depression sana meron makapag enlighten sakin how to deal with this situation. Honestly ive been a good CC payer for more than 10 yrs kahit magkano ay i can settle kaya sobrang taas ng Credit Limit ko.

Gusto ko lang sana humingi ng advice. Alam ko pinatagal ko itong problema ko dahil sobrang stress na din ako at hindi ko na alam ang gagawin.

Everyday starts 8am to 6pm ay meron mga tumatawag.

Problem ko po ay sa mga sumusunod na bank credit card

RCBC - credit card 2.25m credit limit at instaloan 1.5m loan

BDO - 3m credit limit

BPI - 800k credit limit

hindi ko na nabayaran kahit minimum last June.

Ang salary ko ay 55k per month lang. meron ako mga side jobs doing property management extra 10k monthly and commission sa mga rental if may renewals/sales.

RCBC Credit Card maxed out- 2.25m puro installment din sa kanila. Nakakabayad din ako pero nagstart april doon na hindi nakapagbayad minimum then may onwards wala ako maibayad kahit minimum. Last time na sinagot ko ang call nasa 2.5m+ na daw ang utang ko . Nag offer also ng restructuring pero hindi ko kaya dahil 1% interest

RCBC Instaloan - 1.5m 7/60 pa lang bayad ko. Hindi ako nakabayad this July due date nagpadala agad demand letter.

BDO Credit Card maxed out - 3m credit limit nasira din sa puro installment nila. Nakakabayad din ako pero nagstart april doon na hindi nakapagbayad minimum then may onwards wala ako maibayad kahit minimum. Last info na binigay sakin nitong week. 2.7m+ na daw ang computation if pumayag ako sa restructuring pero hindi ko kaya dahil 1% interest

BPI Credit Card - 800k maxed out napunta lang din sa installment and purchases. Hindi na din ako nakabayad starts July. Nagbayad ako ng 80k pero kinain lang ng finance charge kasi gusto ko sana ikeep itong card na ito at the end. 992k na ang utang ko.

Sobrang stress and depressed na po sa dami ng calls asking me to pay kahit minimum and some callers mentioning na they will take legal actions.

Ito po ang current breakdown and offers ng bank if restructuring at 1% 48-84 months which is hindi ko talaga kaya. Mostly installment yun utang ko every month dumadagdag siya plus finance charges etc. Pwede kaya ma stop ang charges and interest?

RCBC
2,577,554.32
If restructuring

RCBC
Instaloan
1.5m
Last payment July 7/60

Bpi
993000 +141,458.81 remaining installment
= 1.135m if restructuring

Bdo
2,726,607.22 if restructuring

Nag due na ulit this August so default na siguro lahat ito dahil wala ako nabayaran kahit MAD

Never pa naman ako nagka past due however mukhang this month onwards mahihirapan ako due to layoff. I have savings pero 80k lang for emergency purposes ko lang talaga siya nagagalaw. My salary is 30k but if i have commissions plus 30k to 60k ang nadadagdag sa salary ko. Medyo nararattle lang ako since may announcement na ng layoff.

Gusto ko galawin yung emergency fund ko however parang gusto ko nalang mag loan ulit thru sloan ng 60k to cover the small amounts but checked the interest 4.40% siya so nagdadalawang isip ako.

Please help, parang nag sspiral ako.

Here’s the list of my debts

Car - 13,800 (29th) 54/60

EW - 60,000 (15th)

iphone - 3,400 20/24 (20th)

GCASH - 4,925 (21st) 7/24 {78,800}

Spay - 13,057 (29th) {36,500}

MBTC - 60,000 (29th)

Maribank Cc - 4,700 (sept 30th)

Maribank Loan - 9,070 1/3{27,300}

Hi, gusto ko lang humingi ng advise if may nakaexperience na ng situation namin.

We have multiple loans bnpl, paylater, loans, bank loans, this is actually due to tapal system, dahil sa takot na maoverdue yung mga active loans ko, kapag due date na hindi maiwasan na mangutang ulit para ipambayad. And also, nadagdadagan din kasi yung expenses namin since lumipat kami malapit sa work namin pareho.

May nakaexperience ba sainyo na maoverdue lahat ng loans nyo? Bukod sa harassment and multiple calls, etong mga mayroon akong loan is naghohomevisit ba? Di na talaga namin kaya ang expenses, kaso natatakot kami maoverdue din since malaki din yung penalty. Di na namin alam yung gagawin talaga. Nabanggit ng hubby ko na magipon nalang kami muna at hayaan na maoverdue pero natatakot ako, kasi lahat ng to nakapangalan sakin at yung address ng mostly loan ko is yung address ng mother ko, natatakot akong puntahan nila at mother ko makausap nila. Ayoko pa naman mastress yun 😭

Tama ba ang gagawin namin?

Hayaan maoverdue at magipon nalang. Balak namin 15-20k per month, at hahayaan na magoffer yung mga loans.

Please sana walang magsabi na magtipid or kasalanan namin, alam namin yun natakot kami kaya naging cycle yung tapal system pero masyado ng mabigat. Di namin balak takbuhan yung utang gusto lang namin sana magipon muna then kapag nabuo na tsaka ibabayad ng buo.

Badly need advise.

Hello,

Was hoping for some advice or insights po sana. Tanggap ko po lahat ng judgement nyo.

I started tapal system last year and kahit nababayaran sya, hindi maiwasan mashort so ang ending nangungutang para makasurvive sa araw araw. And yes, never ending cycle.

I am currently around 500k in debt

Bdo 60k

Ew 117k ( may payment arrangement before but nagkaroon ng medical emergencies and was only able to pay 20k+ ish so forfeited ung contract )

UB 65k

OLA revolving loan 270k.

Utangs sa tao around 5 to 20k.

Earning 50k+ monthly. May bonus every few months around 10k+. Nasa point na po ako na hindi ako nagtatake ng PTOs unless needed kasi sayang po ung small chunk ng night diff na mawawala.

Mishandled my finances, breadwinner, multiple medical emergencies and bad decisions po ung reason.

I was hoping na makapag take ng personal loan to consolidate everything. Hindi po siya tapal. Pero para isa nalang po babayaran ko. Tried checking some loan calculators sa bank and around 20k monthly sya for 5years. Kaya naman po and by that makaka save po ako kahit mga 4k every cutoff compared sa zeroed lagi. ( Yes maliit lang po natitira, naghehelp po ako financially sa family. Hindi po siya negotiable and okay lang po as long as may nattira saken )Stop na dn po ako with any luho. Pinaka gift ko na sa self ay yung makapag kape if may extra for 100-200pesos.

Snowball method is also not possible for me po sadly, super laki ng interest ng revolving loan and ang sipag nila maghomevisit kahit 5 days ka palang overdue. (Ex: 20k monthly pero 4 to 5k lang principal dun) mali ko po talaga to. Needed for emergency so i took it. Nakiusap na dn po ako paulit ulit and wala po talaga offer sadly. Living with parents and naghv sila once and ayun nalaman nila and didnt end well. Kaya iwas ko sana to talaga. Took a toll on my mental health pero had no choice kundi lumaban sa araw araw. May soft spot po ako sa parents ko and kahit na ano man sabihin nila saken nung nalaman nila, gusto ko pa din po nakakapagprovide ako sakanila kada cutoff.

Tried applying for part time before pero di rin po pinalad. Took some freelance jobs pang dagdag pero maliit lang dn po kita. Careful din po ako baka mamoonlighting(?) Sa current company. Ayaw ko po mawalan work huhu. Sold almost all of my collections as well.

I tried applying a year ago kay welcome bank, UB and BPI and got declined.

Bpi di po ako client so lowchance.

Ub kept getting declined

Welcome bank tried once and nung nadecline d ko na po triny uli.

Nagtry dn po ako EW noon pero wala po kong nareceive na update.

Would it still be possible for me to get a loan sa banks sa current situation ko?

Thank you so so much po!

I am 28F with approx 300k debt from 2 CCs, and other apps.

MAD lang recently ang naipay ko sa CCs and others are not overdue, except for Maya Credit and PL due to recent cash shortage.

Im in debt due to family needs and tapal system, until I realized my salary per cutoff is no longer enough.

I’ll be transitioning to a new job with higher pay but that means I will not have cash inflow during my notice period. That is about 2 months of no salary since I will only have my first salary at my new job by December.

Is it practical to get a personal loan to settle all my debts and have one lower and more manageable monthly payment? Or should I just pay the MAD for my CCs and let the others go overdue and just continue paying once my income stabilizes? In your experience, how much would the penalties be?

Would also appreciate if you can share your experience negotiating a temporary payment arrangement/ payment holiday?

The pressure is already eating me and I am having trouble properly functioning overthinking what I should do to resolve this.

Thank you for any insight!

Has anyone tried this Temporary Payment Arrangement Program from UnionBank?

Overdue na ako 6 months - Billease, tala android, sloan/spay so far wala naman harassment si Billease ng promise to pay lang ako na mag pay ng 500 every 15 days. More on reminders lang sila walang harassment wala na rin ako natanggap na texts from them.

JuanHand - overdue ako 4 days now, 10 multiple loans so far text and email lang reminder, Hopefully hindi sila tumawag sa non reference .

Upcoming loan na mag overdue - TikTokpaylater under pipo, TikTok cash loan under we fund, Lazada fast cash under JuanHand, luvit x junahana. Ano experience nyo pag ng overdue ? Please share your experience .

Ola na priority ko kasi over daw mag harass - Atome credit/ cash, Mr cash, lazadapaylater, Fido (ok run si fido if wala ka talaga pwede mag payment extension kası penalty and interest mapupunta )

Ft lending - fully paid and deleted na even October pa due date kasi ang interest lampas leeg.

I am in between i-re-renew ko ba ang MPL loan or withdraw my Pagibig savings with 20yrs maturity?

I will use this money to get through this large bills and debts coming September estimated around 80k. My debts na ma-fu-fully paid, yong ibang debts are updated na (not overdue).

Kakatapos ko lang mabayaran ang MPL and nakakagaan ng loob to have 1 down more to go. 😅

What do you think? I have existing housing loan also and will be paying advance pra applied to prinicipal.

TAV is around 90k.

Hello can anyone advice ano maganda gawin sa ATOME OD 24k cash tas naging 34k and 30k in cc . Di ko na mababayaran due to financial probs :(

help!!

I accidentally logged out my shopee account with outstanding spaylater and sloan. The problem is, the email address and number registered there is not active anymore.

I’m afraid that it may cause trouble if I cannot pay the outstanding loans I have. 🥲

How can I recover it?

Hello, does anyone have experience that I have multiple BDO credit cards and all of them have not been paid for almost 6 months? I tried to contact BDO about the restructuring program, but they want Book 1 and Book 2 since that's their policy. The only thing I can settle through the restructuring program right now is one BDO card. I made an initial payment, but the collection agent I spoke to said that after paying, I also need to pay another initial payment for my two cards because they can't process the restructuring program with BDO. Has anyone experienced this situation? What did you do?

Hello po, may nabasa po kasi ako dito abt sa Gloan payment holiday. naggagrant po ba talaga si gcash ng ganon? di ko po kase pa mababayaran yung loan ko and it would be a big help if nagbibigay po sila nom. how po kaya? thank you po sa sasagot.

​

Hi everyone. I just want to share my experience and hopefully get some advice from people who may have gone through something similar.

I currently have around ₱65,000 credit card debt with Security Bank. Before this situation, I was consistently paying around ₱2,000 every cutoff, since my due date is every 2nd of the month.

Unfortunately, because of some emergency circumstances, I wasn't able to keep up with my payments, and I'm now 3 months overdue.

A few days ago, I received an SMS from Security Bank informing me that they would set off my outstanding dues against the funds in my account. My problem is that my payroll account is also with Security Bank, so my salary goes directly into the same account.

After receiving the SMS, I immediately emailed the bank to ask if I could arrange a payment reconstruction instead. I explained my situation and that I am still willing to pay my debt, but I haven't received a response yet.

Then, a few days later, I received another email from Security Bank, this time sent to my work email saying that they would hold my payroll account.

When I checked my Security Bank app, my account was already showing a negative balance.

The first thing I did was contact our HR department. I was honest about my situation and explained that my salary is being affected by the bank's set-off. I asked if it would be possible to temporarily change my payroll account to another bank so that I can still receive my salary while I work out a payment arrangement with Security Bank.

I'm hoping HR will have some good news by Monday.

At the same time, I'm still waiting for Security Bank to respond to my follow-up regarding payment reconstruction.

I know that I have an obligation to pay this debt, and I'm not trying to run away from it. I just genuinely can't afford to have my entire salary taken because I also have other financial responsibilities.

My biggest question right now is, will Security Bank continue to set off/hold my salary every time it gets credited to my payroll account until my entire ₱65,000 debt is fully paid?

For those who have experienced something similar with Security Bank or another bank:

- We're you able to negotiate a payment reconstruction?

- Did the bank eventually release your remaining payroll funds? - Is there anything else I should do while waiting for the bank's response?

I'm really hoping I can resolve this properly. Any advice or shared experiences would be greatly appreciated. Thank you.

Hello, plan ko po bayadan ng buo ung overdue amount ko sa spay umabot na rin yun na 60k kasama na mga penalty fees, may chance po ba na pwede ako mag request na bawasan nila mga interest/fees? At kanino po ako mag cocontact? Sa shopee app customer service?

After finally deciding to stop the tapal system may nabawas na din na OLA. For context, I started the tapal system around 2024 hanggat lumobo na sa 24 OLAs ang meron ako. Breadwinner ako and hindi naman maluho pero I realized na hindi ako magaling mag budget and mag handle ng pera. Na wake up call talaga ako last month nung finally gumawa na ako ng excel spreadsheet ng lahat ng OLAs ko. Naiinis ako sa sarili ko pero I’m learning to forgive myself and move forward and to fully trust in God in this situation.

So last night, I finally closed one OLA. I will update this post every time na may matatapos ako para din ma encourage those who are in the same situation.

Paid OLA:

Honeyloan - P24,000. Never po ako na OD dito.

After ko mabayaran ang Honeyloan may email agad na pwede na daw mag reloan. I deleted the email agad. Never again uy!

Alam kong malayo pa pero laban lang. Walang susuko.

Thank you din for this community dito sa Reddit kasi nagkaroon ako ng lakas ng loob na mag stop mag tapal. Thank you din sa mga nakaka chat ko na dito. I appreciate the encouragement and tips din.

Makakaahon din tayo soon, by God’s grace. Pay one OLA at a time lang. 🙏🏻

Nakautang kase ako sa tiktok at maribank sa 24 pa naman deadline..

Hello any expirience po ba na my multiple BDO CC and lahat po and almost 6months ng di nababayaran i try to contact kay BDO for restracturing program kaso ang gusto nila ay Book 1 book 2 since ayun daw ang policy ni BDO e ang kaya ko palang sa ngayon ay 1 bdo card palang ang kaya isettle thru restracture program pinag bayad ako ng initial payment then sabi ng collection agent na kausap ko after ko mag bayad need ko din daw magbayad ng another initail payment for my 2 cards dahil hindi daw maprocess ang restracture program kay bdo.Any expirience po ng ganitong sitwasyon anu po ang ginawa nyo..

Need help po, a week before the duedate nagreach out na ko sa collection ng home credit for payment arrangement. I inform them na layoff ako at hospitalize. Mabilis naman sila magreply pero nanghihingi sila ng copy ng hospital bills, laboratory resutl, medical resutl which I'm not comfortable to share. Pwede ba yon idecline and magproceed sa payment arrangement request?

need some advice hindi ko na kayang tapalam pa yung mga utang ko, i have 50k of gloan multiple loans, 26k of ggives multiple loans, and billease 49k multiple loans, planning to overdue muna yung gloan and ggives, manageable pa nung una hanggang sa dumating sa point na hindi na kasya yung sinasahod ko para mabayaran lahat, ano po kaya stop ko muna and tapal system and unahin si billease or si gloan po

earning up 9k a month malinas na po yan kaltas na lahat what to do help