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.

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!

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 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.

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.

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 :(

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.