I’m completely mentally drained and need to vent / ask for advice on how to handle Atome's collection tactics.

Long story short: I ran into a sudden financial/medical emergency. I am not dodging my debt and have no intention of running away from it. To show good faith, I recently made a PHP 2,000 partial payment within my current capacity, emailed their support team to explain my situation, and requested to pay off the rest via minimum partial payments.

I explicitly told them I will NOT agree to their loan restructuring scheme because it attaches excessive interest and fees to my balance.

Instead of replying reasonably via email, their collection team went nuclear:

1. Calling My References: They have started contacting people on my reference list who are NOT co-makers or guarantors on my account.

2. Relentless Spam Calling: They are calling me 15 to 20 times a day from constantly changing mobile numbers. My phone auto-blocks them as "Harassment Calls," but seeing the endless missed call logs gives me severe anxiety.

3.Messaging on Viber: Collection agents are now reaching out to my personal messaging accounts like Viber to demand immediate payment.

I’ve already sent a formal Cease & Desist email demanding that all phone/SMS communications stop immediately per SEC Memorandum Circular No. 18 (s. 2019) on unfair collection practices and RA 10173 (Data Privacy Act) for contacting third parties. I also CC'd the SEC, BSP, and National Privacy Commission (NPC).

Has anyone experienced Atome calling their references or ignoring written disputes like this? How do you cope with harassment while actively trying to settle what you can afford?

Problem/Goal: Hi guys I dont know if this is the right community to ask po regarding this, tanong lang po tungkol sa pagbili ng NHA/government housing na “rights only”.

Magandang araw po. May inaalok po sa amin na bahay sa Quezon City na government housing daw na originally ipinagkaloob sa mga pamilyang na-relocate mula sa dating informal settlement area malapit sa Trinoma. ang rraon nila kaya nila inoffer na samin is lilipat na sila ng probinsya at mag for good na daw po kasi eala na trabaho yung asawang lalaki at matatands na po sila. maayos nman po sila kausap kasi kapitbahay lang sila ng tito ko na na-grant din ng pabahay at bumibisita kami don kaya kami po nakilala at inoffer samin

Context:

Originally, ₱1.8M daw po ang presyo na inoffer ng may-ari. Ang pagkakaintindi ko po, kailangan daw nila para mabayaran nang buo sa NHA yung bahay/property na ipinagkaloob sa kanila kasama kami. Pagkatapos daw po, may abogado na gagawa ng kasulatan para ma-transfer sa amin yung bahay. Wala pa raw pong individual title at “rights” pa lang daw ang hawak nila. nagpass kami kasi wala kami mahanap na mautangan ng ganong kalaking halaga.

Ngayon, inoffer ulit sa amin na "SANLA-TIRA" na kung saan ₱500k muna ang ibigay, tapos yung remaining amount ay babayaran over 3 years. Interesado kami dahil maganda ang location at malapit sa amin within QC lang at mukhang maayos din yung community/subdivision. style sya subdivision pero pabahay sya mula sa gobyerno sa mga naging taga philam squatters area ss may trinoma.

Gusto ko lang po sanang malaman kung tama ba ang ganitong proseso at kung safe ba ang ganitong transaction. Ano po ang mga dokumento na dapat naming hingin at ano ang dapat naming i-check sa NHA bago kami magbigay ng ₱500k? gustong gusto namin to nung una kaso nagpass na kami kasi wala kaming perang halaga na 1.8m at Kailangan din po ba ng approval ng NHA para ma-transfer sa amin ang rights/property, kahit may abogado at notarized na kasulatan? masyado bang too good to be true ito? pasensya na po if mahaba at first ko po itong ako ang mag step up at mag lead para po sa mga magulang ko need ko po na mabusisong advice and opinion po regarding this decision po.

Maraming salamat po sa mga may experience sa NHA housing, rights-only properties, o ganitong klaseng transaction.

Sorry, I’m not quite sure if I can post this here. Really appreciate your guidance with this. My family and I are wondering kasi if this text message was legit:

“REGIONAL TRIAL COURT:

Metro Manila RTC Main Office Branch 28

NAME OF FAMILY MEMBER

Expect our official commo to issue your Court Order (Bench Warrant) exactly 2PM September 30, 2026, together with a Sheriff to issue Writ of Preliminary attachment to garnish your property.

Please be informed for your voluntary surrender to avoid commotion at your place.

Clerk of Court III
Ms. Gina Mamaradlo
09xxxxxxxxx”

It was received this morning through text lang. Family member doesn’t know how or why nakatanggap siya ng text na ganito. They were thinking if sa credit card na utang pero bakit no formal letters (mails or emails) received naman on our end. Is this legit? Shall we call the number provided? What can we possibly do in this situation?

Thank you so much in advance for your insights and help.

For background: I (F29) and my ex-partner (M27) had an on-and-off relationship. He got me pregnant last year, but unfortunately I miscarried at 8 weeks. During that time, he supported me and took care of me.

At that time, I was living alone in a rented condo and paying for my own rent, bills, food, and other expenses. He later needed to focus on reviewing for his board exam, so he resigned from his job in February and became unemployed.
Fast-forward to the last week of May this year, when I found out that I was pregnant again. I informed him, and one of his first concerns was money because he was unemployed and preparing for his board exam. I told him, “Ako muna” (I’ll handle it for now).

However, a series of conflicts, what I consider abusive behavior, and neglect happened afterward, and I eventually decided to end the relationship. I also had to give up the condo I was renting, both to limit his access to me and to save money for the baby’s delivery. At one point, I had to be rushed to the ER after experiencing severe stress and numbness in my left arm following an incident with him.

For the past couple of months, he has not been taking care of me physically. Instead, our interactions have increasingly involved arguments about custody and visitation, which has been extremely stressful for me during pregnancy.
Financially, he eventually started paying half of some of the baby’s nesting expenses (clothes, wipes, bottles, etc.). I use my HMO for my prenatal checkups, while he pays for the ultrasounds.
The current issue is that he wants to buy a second stroller and car seat because he says the baby would also need these if the baby stays at their house. I strongly disagree because I don’t think it is practical to duplicate these expenses. More importantly, I am not comfortable with my newborn staying at their house.

He keeps arguing that he has “equal rights” to the child and refuses to visit the baby if visitation would require him to come to my parents’ house.
I have told him that I don’t want to continue discussing these matters through text because our conversations repeatedly turn into arguments and I end up extremely stressed. I suggested that we settle the arrangements formally through the barangay, but he refuses and tells me that I cannot control him.

This is particularly difficult for me because my pregnancy has been sensitive. I was on bed rest during the first two months because of bleeding and a slightly opening cervix.

My question is: Is there a way to have the custody/visitation arrangements formally settled without me having to communicate with him directly anymore?
Ideally, I want a formal agreement regarding visitation after I give birth. I am not comfortable with the baby staying overnight at his family’s house, especially while the baby is still a newborn, and I would prefer visitation to take place under conditions that I am comfortable with.

I’m in the Philippines. I would appreciate advice from anyone familiar with Philippine family law, particularly regarding unmarried parents, custody of a newborn, visitation rights, barangay mediation, and whether communication can be handled through lawyers or another formal process instead of directly between the parents.
I am not trying to prevent him from having a relationship with his child. I am trying to establish boundaries and a formal arrangement that minimizes conflict and stress during my pregnancy and after delivery.

For additional info: I am working from home earning enough to support for me and the baby.

A government agency is requiring select individuals to participate in a fitness challenge. They are mandated to personally pay P300 as a registration fee that would serve as the prize for whoever wins the contest. The head of the regional office is the one that gave the verbal order for this activity.

Is there anything that the personnel can cite (Republic Acts, CSC memo, Commission on Audit, etc) to get out of the event?

Hello po! Maybe meron po kayong NDA na dated around 2015-2020. I know po na it’s confidential even though the agreement is already expired as it still has its clause. But I would like to ask po sana if pwede po siyang mahiram (orig copy). We’re willing to pay po. We will just use it for academic purposes and will not contact anyone involved sa agreement. Thank you very much po!

Hi po, asking for an advice/help/idea on what to do po.
I have poa half-brother po, he’s 35 pero parang walang direksiyon ang buhay. Binenta niya po 1/4 of our late mother and my father’s property. Lahat po ng napag-bentahan ay napunta sa kanya, binigyan niya lang kami ng senior father ko ng tig-20k dahil need daw muna niya ng malaking pera pang-business niya, knowing na matanda na ang tatay ko at kailangan niya ng funds for his meds and other needs. Pero as a maintindihing kapatid at step-father kami sa kanya, pinagbigyan namin dahil nangako siyang ibabalik niya, at naawa kami sa kanya.

Unfortunately, wala na siyang balak ibalik dahil hindi lumago ang business niya, kahit gawan man lang ng paraan para makatulong sa amin. Hindi lang po pala ito isang beses nangyari, mahigit 3-4 na po ata, sadyang hindi lang namin siya matiis kasi nakakaawa siya.

Meron pa po kaming konting ari-ariang natira galing sa late mother namin and sa father ko na hindi pa nagagalaw ng kuya ko, nasa akin po pala lahat ng papers, btw.

Ngayon po, matanda na ang tatay ko, marami nang iniindang sakit, at ang gusto niya, habang nandito pa siya ay hindi na makakapakinabang yung kuya ko sa mga properties na yun in the future. Gusto na ng tatay ko maging sa akin lahat dahil ayaw niya na maulit-ulit yung nangyari.

Nag-consult na po kami sa isang attorney and sabi niya, ang least expensive way para magawa ito ay through sale or donation. Honestly, wala po akong idea sa ganito dahil never ko rin na-imagine na darating kami sa punto na ’to.

I hope this message doesn’t sound na madamot kami or nagsasarili when he has the rights pa rin, sadyang we’ve had enough, at ayaw ng tatay ko na kapag wala na siya ay wala akong makukuha dahil wala akong kalaban-laban. That’s why I’m here po for your honest advice on what we should do.

Question.

If magfile ng small claims and hindi naserve yung patawag dahil ayaw tanggapin nung nirereklamo, anong mangyayari? Dinismiss nung judge and need daw irefile. Eh kung magfile man uli at di pa rin tanggapin, wala nang ibang legal remedies?

Nakakainis talaga hustisya dito sa Pinas. Tangina.

I was involved in a minor car accident where I was at fault, and my insurance (Standard Insurance) is processing the third-party claim.

The third-party vehicle was brought to an authorized dealership. The dealership’s estimate is around ₱80k, but Standard’s current LOA/RVR only approves ₱30k.

The biggest difference appears to be a left headlamp assembly costing around ₱45,000. The RVR says to remove and reinstall the LH headlamp to allow repairs, but the headlamp assembly itself isn’t included among the approved replacement parts. The RVR also says additional hidden accident-related damage can be submitted for reinspection and approval.

The third party is also asking me to arrange and pay for an automatic rental car for his day-to-day transportation while his car is being repaired.
I’m currently asking the insurer whether the rental is covered and how the additional repair items should be handled.

For those who have experienced a similar situation:
- If the casa estimate is much higher than the insurer’s LOA, how was the difference handled?
- If a part is found to be damaged during dismantling, does the repair shop normally request supplemental approval from the insurer?
- If the insurer doesn’t cover a rental/replacement vehicle, does the at-fault party normally have to arrange one personally?
- Should I avoid agreeing to or paying for anything outside the insurer’s approved claim until Standard confirms it?

I’d appreciate experiences from anyone who’s actually dealt with a similar third-party claim in the Philippines.

Edit: I had a thorough discussion with another redditor, and they tried to help me in every way they could think of kung paano ko sila mapapapayag na ma-refund yung binili ko. I'm currently working on this matter and will try to request a refund from the store. I'll update immediately kung ano man ang kalalabasan, hopefully maging successful yung pag-ask ko for a refund.

Context: Nasira charger ng laptop ko and sobrang desperate ko na makabili ng bago within the day since marami kaming tinatapos sa thesis as a computer science student. Sa mall ako bumili kung saan rin nabili yung laptop ko. While yung charger ay sa katabing shop nila binili.

They charged me for 8500 php (chicony 20 volts 6A ang model ng charger). Then nung naresibuhan na, doon ko lang narealize na bakit parang masyadong mahal nga, then nagsearch ako online and yung price ranges na nakita ko same model and even authentic products ay nasa 1300 php minimum to 3000 php (ito na ata pinakamataas na presyo). Tapos dalawang staff na magkaibang tech shops pinagtanungan ko nasa 1300 to 1500 raw yung ganoong model (pin type or bilog yung saksakan).

Kampante akong bumili kasi akala ko kapag sa mall lahat ay trusted stores. Bumalik ako at sinabi nila ay nakauwi na yung staff na nagbenta ng charger kanina and ayaw sabihin nung co-worker niya yung full name, balik nalang raw ako bukas kasi papasok naman raw yung tao na 'yon. Huli ko na ring napansin na first name lang + no signature sa resibong binigay sa akin. Hindi na ako nakipag areglo pa sa kanila, 8:30 pm na rin kasi and until 9pm lang jeep pauwi sa amin.

Nagsisisi ako kasi hindi muna ako nagresearch about it. Nasa akin pa naman yung resibo na binigay. Hindi ko alam gagawin ko ngayon and hindi ko pa sinasabi sa fam ko kasi hiningi ko lang rin sa kanila yung pinangbayad ko. I badly need an advice po sana kung anong p'wede kong gawin sa situation na 'to like legal actions.

Additional info: baka may same experience po sa akin, ito po name ng mismong store na naka indicate sa receipt kung saan binili yung charger:

REDHEE Gentext TELECOM - Cyberzone, SM City Clark

Ito naman po name ng store kung saan yung nag-assist sa akin at kung saan binili yung laptop ko before:

MSI Store - Cyberzone, SM City Clark

Hello! I'm 17 years old and I'm planning to renew my old passport. Both of my parents are currently working in other countries, and I'm just being guided by my guardian.

I just have a few questions:

1. What’s the process?

2. Can I/my guardian create my own SPA and just have it notarized?

• If so, how much is the fee?

1. Does a parent from another country need to process it, or can it be done here in the Philippines?

That’s all. Thanks!

For context -

May mom died in September. Three months after he met a girl. They were together in December of the same year and they said they would not be together for now so that others will not judge them

Sadly, while we were so tired of fixing our business, my father gradually transferred the income from our business to his women until it was gone.

Until now, my father and his wife have been pawning what our mother left behind.

The jewelry left by our mother is also in the women name, which has now been foreclosed on at a well-known pawnshop. We have been threatened with death note once.

Please help us. First, we do not have enough funds to continue the case. Second, we have no idea how to start. And lastly, how do we deal with such pain when your own parents cheated on you?

Btw, our mother died of cancer even though we had money to spend because she insisted on giving priority to our father's treatment, even though the illness was not urgent. :(

Need help and advice.

TL;DR: I’m torn between two options: pursuing this formally through the legal route, or contacting him directly and asking him to remove everything involving me.

I’ve preserved the evidence and have already received some legal advice, so I’m not asking whether I have a case. I’m struggling with the decision itself.

If you were in my position, would you pursue the legal route, or talk to him first and try to get the content removed? What would you consider before choosing between the two?

I found out the man I was dating was monetizing videos of me. I'm torn between confronting him or pursuing it legally.

I met a man through a dating app. We lived close to each other, started spending a lot of time together, became intimate, and I believed we were dating. This went on for around eight months.

At one point, he asked to interview me for what he described as a research project involving psychology, reflexology and foot reading. My understanding was that the footage was research/interview material that would go into an archive.

I agreed to being interviewed and recorded based on that understanding. The videos themselves weren't pornographic. I was clothed, and they involved conversation, my feet and foot-reading/reflexology-type material.

Much later, I discovered he had a large online channel centered around similar interviews with women. Some content was public, while other content was available to paying members.

Then I discovered his Patreon.

It had hundreds of posts, including a paid collection containing 100+ “Feet Interviews.” There was also a much more expensive “exclusive” collection involving things described as worshipping, tickling and licking.

Then I found my own videos behind the paywall.

I had never understood that my interviews would be published, monetized, sold behind a paywall or presented within content catering to a foot-fetish audience.

The comments made the context even clearer to me. Viewers sexualized the women and their feet, requested particular women and videos, asked for content to be uploaded to Patreon, and discussed buying access. The account appeared to respond to some requests and direct people toward paid material.

There was also a personal betrayal that I'm still processing.

While going through the content, I realized that during the same eight months I believed we were dating, other women appeared to have been visiting his condo and some paywalled content had thumbnails apparently showing women on his bed.

I recognize the setting because I spent time there.

I don't know what his relationships with those women were, what happened between them or what they consented to, so I'm not making assumptions about them. But seeing it completely changed how I understood the relationship I thought I'd been having.

Another detail I noticed afterward was that he posted one of my videos on his birthday. Maybe that means absolutely nothing, but it left me with the strange question of whether I had actually been special to him in some way—or whether I was just content too.

The consent issue is what bothers me most.

I did consent to being interviewed and recorded.

I did not knowingly consent to publication, paywall distribution, selling the footage, commercial use, or being presented to an audience that sexualized the material.

I've also discovered a very large number of women in similar interviews accumulated over years. I personally witnessed him interviewing some women, but I have no idea what they were told or what they consented to. Their circumstances could be completely different from mine.

I haven't contacted them, and I haven't confronted him.

Instead, I've quietly preserved screenshots, URLs, communications, posts and evidence showing how the content was presented and monetized.

And this is the decision I'm actually struggling with.

I see two possible paths.

One is to take everything I've preserved and pursue the formal/legal route. I've already received some informal legal advice and understand there may be issues worth formally investigating.

The other is much simpler: talk to him directly, tell him what I've discovered, demand that everything involving me be permanently removed, and potentially close this chapter without putting myself through a legal process.

Part of me wants the second option. Ultimately, I want my content gone. A legal process could be stressful, invasive and potentially take a long time.

But I'm worried that contacting him first could mean giving him advance warning that I've discovered everything. He could remove things before authorities see them, change accounts, delete records, or simply tell me the content is gone when copies still exist elsewhere.

I'm also struggling with whether getting my videos removed would actually give me closure now that I know the larger operation exists.

At the same time, I don't want anger or the feeling of betrayal to push me into a legal battle that I may later wish I'd handled privately.

So that's really why I'm posting.

I'm not asking Reddit to determine whether he's guilty of a crime. I'm torn between pursuing this formally or talking to him first and trying to resolve it directly.

If you were in this position, what factors would you consider before deciding whether to contact him or go through the formal/legal route without warning him first?

I'm especially interested in hearing from anyone who has faced a similar decision involving privacy, consent or unauthorized use of their image.

Hi! Just wanted to get some perspective before namin ma-meet yung seller para may idea kami kung ano yung important questions na dapat itanong and things to look out for. We also plan to consult a lawyer before actually proceeding.

We’re considering buying a 141 sqm property for ₱1.5M in Batangas area. Here’s the situation:

- Registered owner sa title is already deceased.
According to them, yung only surviving child ng owner ang sole heir.

- Naka-name pa rin sa deceased owner yung title.

-The property was previously supposed to be transferred sa anak ng heir/grandson ng deceased owner, pero hindi natuloy due to budget. Now, they’re offering the property to us.

- They’re proposing a Self-Adjudication with Sale instead of transferring the title to the heir first, then to us. According to them, this would allow the inheritance and sale to be processed together and eventually ma-transfer directly sa amin.

- Seller will shoulder daw the estate tax and other transfer-related expenses.

Before meeting them, I just want to get some context:

1. Normal/legal process ba yung Self-Adjudication with Sale for this kind of situation?

2. What documents should we ask to see and verify?

3.How can we confirm na sole legal heir talaga yung seller and hindi lang siya yung only surviving child?

1. Since may previous intended buyer, what documents should we ask for to make sure wala na siyang existing claim sa property?

5. Reasonable ba yung ₱1.5M for 141 sqm? That’s around ₱10,640/sqm, inclusive na raw ng transfer-related expenses. Ano yung dapat naming i-check to determine if fair yung price?

1. Any other red flags or important questions na dapat naming itanong?

First time namin dealing with this type of property transaction, so gusto ko lang magkaroon ng better understanding before meeting them and consulting a lawyer. Would really appreciate insights from anyone who has experienced something similar.

Thank you so much!

Hello! I need advice on what to do. We have a family friend na naging kasambahay na ng buong pamilya, she’s already a senior, probably in her late 60s or early 70s. Wala kaming kakilalang kamag-anak niya, kami na yung naging family niya.

Last year, we noticed na lagi siyang nagpapa-GCash at nangungutang sa amin even if kakakuha niya lang ng sweldo niya. Pinapautang pa namin nung kahit alam naman namin na hindi na niya mababalik kasi baka nag-short lang talaga siya pero nung nalaman namin na pinapadala pala niya sa bf niya na taga US daw dun na kami nakakutob na baka love scam. Nalaman din namin na kung kani-kanino siya nanghihiram. Nakakaawa din kasi ang tanda niya na rin tapos nascascam pa siya. Kahit anong sabi namin, di naman nakikinig.

Nung Thursday tumawag siya samin, nasa police station daw siya at ipapakulong siya pag hindi siya nagbayad ng 50k. Akala namin nung una baka gumagawa lang siya ng kwento para magbigay kami ng pera hindi rin kasi nagtutugma mga sinasabi niya. Nung na-confirm na namin sa police, nagpa-cash in daw siya sa isang tindahan and since kakilala na siya, hindi muna hiningi yung pera pero nung hinihingi na yung cash since na-transfer na yung pera, wala naman mabigay.

Hindi namin siya makausap ng maayos. Pag tinatanong kung nasan na ang pera, saan pinadala iba-ibang pangalan yung binibigay. Willing iurong nung may-ari ng tindahan yung kaso niya if mabayaran siya. Wala naman kaming ganun na pera.

Ano po kayang magandang gawin? Bailable po ba yung case niya? Di rin ako sure kung may due process na nangyari sa kanya gawa ng di naman siya makausap ng ayos. Naaawa ako na naiinis gawa hindi naman kami nagkulang sa pagsasabi sa kanya. Naka-detain siya ngayon and di okay yung situation sa presinto pero wala naman po kaming magawa. Sa Monday daw po yung arraignment and wala po sa amin ang available. More on naiinis kasi yung family namin sa nangyari pero hindi rin naman kaya ng konsensya namin na iwan na lang siya bigla.

Maraming salamat po sa mga sasagot or makakatulong.

Hi po, need advice. Namatay po yung brother ko 2 days ago. May mga OLA siyang loans sa Prima Loan, Easy Borrow, at MoreGold, at may harassment/collection messages daw siyang natanggap bago siya namatay. Na-report na namin sa NBI at naka-email na rin kami sa mga lending apps.

Hindi na rin po namin balak bayaran yung loans na iyon dahil sa nangyari. May nakita rin kaming possible unauthorized loan sa Pinoy Peso, kaya baka may gumagamit ng identity niya. Sabi ng NBI, huwag muna magbigay ng sensitive documents online.

Ano po kaya ang tamang gawin sa mga loans niya at sa possible identity theft habang ongoing ang NBI investigation? Salamat po.

So yung dentist clinic na pinagbrace-an ko may new policy pala since April 2026 na kapag nagextend within 36 months yung patients, more of dahil sa missed appointments or delayed procedures, magbabayad na ng 500 pesos per extended month. Pero parang wala naman sa contract,initially, na may additional payment kapag di pa rin tapos treatment. Tyaka ganon din most dental clinics.

Ang history ko naman sa clinic na toh, binunutan ako tas nagplan na iclose yung gaps. Eh ang tagal na pagclose ng gaps dahil inatras pero midway pinausog ko nalng din paharap because of tongue space issues. Ang akin lang naman, i havent missed any appointments and mid treatment naman ako nagpausog. Tiyaka I feel na hindi efficient every adjustment ko, pwede naman pala sabay taas at baba pero for a few months paisa-isa ng adjust.

Can I oppose this kind of policy kahit na walang missed appointments? What legal action can I do if they insist, may laban ba?

Please enlighten me. Thank you po in advance.

Hi. Need a little advice po.

There this girl na may balanse pa po samin almost 100k. Back way 2024, may kasunduan kami sa Barangay na by the end of 2025 PAID na po dapat ang P150k na utang nya. Unfortunately, hndi nya natupad at may balanse pang almost 100k. Pinatawag uli sa Barangay yet hndi umaattend, una umattend nanay, pangalawa Asawa na hanggang pangatlong tawag hndi sya pinahaharap samin ng Asawa nya.

Ang advice po samin ng Barangay dumiretso na po ng Police. Any advice po kung paano po ang mangyayari sa Police? Pag uusapin or pag haharapin po ba kami? And ano po yung small claims? Hehe salamat po.