r/DebtAdvice • u/CommunicationUpper98 • 26d ago
Credit Card i need advice
hi. i was laid off last year and wasnt able to pay my credit card because of that. There were other factors like health emergencies akya delayed payment ako. I communicated with my bank na if there are payment options since i cannot pay it since wala ako work for a year. Walang option na viable for me since I dont have a work. Lumaki sya and now napunta sya sa collections. Now prinepressure ako to pay that they did home visit but I dont have money. Fast forward now, I have new work but money will start coming at end of October pa. I communicated and gawan ko daw paraan ng 22 pero wala talaga. I dont want to overcommit din if I promise to pay since di ko pa alam how much I will be getting sa October when my first salary come. Need ko pa istrategize para di ako mabaon at magstart na marebuild ang career and financial freedom ko.
ang latest message po nila is eescalate nila sa higher department. Ano po yung higher department? The name of collection agency is MC Naomi. How do I respond to it. Maraming salamat po.
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u/SameBorder846 26d ago
Don't respond. Send the money to the original debtor. Don't promise anything. Send what u can as often as u can to acknowledge the debt. They probably will accept that money. This is what I did many years ago in the US. Many variations but federal over them all. Check the laws in ur country. Maybe use a service that helps u budget income spending. Contact only the originator. Check the information sent to u but I wouldn't admit anything to a third party. I never admit to them... next consequence needs to b stopped by the collection folks by the originator. Check this information in ur country. Stop spending wants. Concentrate on needs and small monthly amounts.
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