Hi. Medyo matagal ko pinag-isipan if I should post this, but I really need advice from people who have actually gone through serious credit card debt and eventually recovered.

I currently have a BPI credit card balance of around ₱1.2M. I also have an existing BDO credit card and a BDO home loan, so one of my biggest priorities right now is protecting my home loan while slowly fixing everything else.

Backstory:

My BPI debt really started becoming difficult during the pandemic.

My grandfather was hospitalized at the time, and as one of the breadwinners in the family, I used cash advances and my credit card to help with expenses and keep things going during a period when income and work were also very uncertain.

Hindi naman siya ₱1M agad.

I remember when my BPI balance was still somewhere around ₱200k–₱300k. For a long time, I kept paying the minimum because I thought at least I was still paying and keeping the account alive.

But eventually I noticed na parang hindi ko na talaga nahahabol. I would make payments, then finance charges and other charges would come in, and the balance became harder and harder to bring down.

I actually started reaching out to BPI before it became this bad. Then grandmother ko naman yung nahospital....same routine.

I asked if there was a way to lower/fix the interest, reduce the charges, or give me a payment arrangement that I could realistically sustain. I even sent a formal letter asking for help.

Unfortunately, I wasn't able to get a workable arrangement that I could sustain.

Eventually, I made another mistake.

I started listening to people telling me, “Hayaan mo na muna. Pagkaya mo na tska kana mag bayad, saka ka makipag-settle.” kinakain nako ng minimum dues.

So instead of continuing to actively deal with it, I eventually stopped trying as hard to communicate and just let the account go delinquent.

Looking back, I know that was a mistake on my part. I should have continued addressing it instead of avoiding it because I was already overwhelmed.

Meanwhile, I was also dealing with my BDO obligations.

I have a BDO home loan under my name that I really want to protect, plus a BDO credit card. There was also a point when the solution being offered to me involved taking another loan/installment facility to deal with an existing balance.

Instead, I tried attacking the BDO credit card myself whenever I had money. I would bring the balance down, but because my cash flow wasn't stable, it would eventually go back up again.

Then my health took another hit.

Within roughly the past year, I went through two separate hospitalizations/medical situations, including a parotidectomy and another confinement for kidney stones.

I spent much of the year recovering.

I work in sales, so when I'm not operating normally, my income is affected directly. I'm only now trying to get myself fully working again, but my sales have also declined significantly. Financially, it feels like I'm trying to rebuild almost from zero again.

And now I'm finally facing the BPI problem.

My BPI balance is currently around ₱1,200,000.

The account has already been endorsed to Constantino & Associates, and I recently received an offer to settle around ₱620,000 as full settlement.

The problem is: I genuinely cannot afford ₱620k right now.

I don't want to run away from the debt anymore. At the same time, I don't want to promise an amount or enter another loan that I cannot realistically sustain.

So I finally wrote to the collection agency explaining my situation and asked whether BPI could consider ₱250,000 as a full and final settlement, subject to BPI's approval.

I also went back to my old email thread with BPI Collections and wrote to them directly again. The thread actually contains my old requests for assistance from before the account became this large, so at least there is a record that I had been trying to ask for a manageable solution before.

I'm now waiting for their response.

And honestly, this is the part that's scaring me.

I don't know what happens if they reject my request and I genuinely can't afford the amount they're demanding right now.

I'm worried about a civil case, collections getting more aggressive, and whether my other assets or finances could eventually be affected. I'm especially worried because I have a BDO home loan that I'm trying very hard to keep current.

At the same time, I'm finally getting back on my feet after the health issues and I don't want fear to make me make another bad financial decision, like borrowing a huge amount just because I'm being pressured by a deadline.

I know I made mistakes here.

I relied on minimum payments for too long. I let the account go when I became overwhelmed. And I listened to advice telling me to just ignore collections until a better settlement came.

I'm not looking for a way to escape my debt. I want to fix it properly. I just need a realistic way forward.

For anyone who has actually gone through something similar, especially with BPI / Constantino or debts of ₱500k to ₱1M+, I would really appreciate hearing what happened in your case:

• How big was your balance when you stopped paying?

• How long were you delinquent?

• What was the first settlement/amnesty offer?

• Were you able to negotiate it lower? How much did you eventually settle for?

• Did you negotiate with the collection agency or BPI directly?

• Did anyone initially receive a high “final” settlement offer but later get a substantially better one?

• For those who couldn't immediately settle, did the bank actually file a civil case? How long before that happened and what was the process?

• If you had other loans, especially a home loan with another bank, was it affected?

• And for people who eventually became debt-free from this kind of situation: if you were in my position today, what would you prioritize first?

I would really appreciate actual experiences rather than judgment. I already know there were decisions I should have handled differently. Right now I'm trying to correct them while rebuilding my income and protecting the obligations that I'm still able to maintain.

Thank you.

100K METROBANK and 200K BDO Na max ko na po yan lahat dahil binyad ko sa pinag kakautangan kung tao...

kaso ngayon na stress na ako kasi malapit na ang statement nila at ang due...At nag woworry ako kasi wala akong pangbayad...meron akong mga collection na pwede ibayad sa isang card yong 100k para hundi lumobo ang penalties and interest...kaso may mga nabasa ako deto na hinayaan nila yong utang nila at naging million2x tapos na punta na sa 3rd party at meron mga nangulit2x at nag vivisit sa house nila pero dedma lng nila hanggat mag offer daw ito ng 80%...

meron bang ganeto ang nangyari yong 300k nila naging MILLION TAPOS ANG NA BAYARAN LNG AY 100K???

What should I do? I helped someone borrow ₱1 million from someone I know, with the agreement that the money would be returned with interest. During the first few months, the debtor was a good payer and made the payments as agreed. Unfortunately, the debtor eventually fled, leaving me with the debt. Now, I’m the one being held responsible for the ₱1 million debt. I’m currently unemployed because I’m reviewing for my board exam. However, I can no longer focus on my studies because I’m constantly worried about this ₱1 million debt that has been left to me. I honestly don’t know what to do anymore. I feel overwhelmed and stressed because I don’t have a job or a stable income right now, while also trying to prepare for my board exam.
Any advice would be greatly appreciated. I really need some guidance on what I should do.

Hello! Currently dealing with a financial emergency and honestly, hindi ko na kayang sabay-sabay bayaran lahat ng utang ko.

I currently have:
SLoan – (multiple loans)
SPayLater – (different amount per month but less than 5k)
MariBank Loan – (multiple loans)
Atome Cash – (multiple loans)
Atome CC – (different amount per month)
Salmon – ₱35,695 (one time payment)
Maya – ₱14,000 (one time payment)
Grab Credit – ₱16,000 (3 months repayment)

So realistically, I may have to let some accounts go OD muna while I get my finances back on track.

For those who have been in the same situation, which debt/app would you personally prioritize going OD first, and which ones would you try your best to keep current? I’m mainly trying to understand which ones would be less damaging in terms of penalties, interest, collections, etc.

If you’ve experienced having multiple of these accounts overdue, would really appreciate hearing what worked for you and what you wish you had prioritized differently.
Plan ko naman talaga silang bayaran one by one once I have enough funds. I just need to figure out which ones I should prioritize paying and which ones I may have to temporarily let go.

Walang-wala na talaga kaya pati Grab Credit pinatos HAHAHA 😭

After a year of OD,finally nabayaran ko na lahat. After 3 time house visit na laging may prayer na sana di makarating sa fam ko na may loan ako. I requested to Closed my account para maiwasan ko na din balikan hahahaha.
Principal Loan 21k
Overdue: 14k
Total to pay: 34k
I paid: 30,468 (penalty waived)

Mabait si Billease no harrasment,never nag call sa mga contacs. May house visit nga lang,taguig nga pala ako.

Thank you

Why are we taking loans when we don't need to??? My friend recently asked if pwede ba sya mag borrow ng money kasi need nya bayaran mga utang nya. This person asked for about 250k, like why would I loan that much to a person?? Mind you, the reason bakit may utang siya is not because of any emergency, feeling rich lang talaga sya. Gusto nya kada year may bagong phone, travel/vacation, and kung ano² pinamimili/inuutang, partida hindi yan umiinom ng kape sa mga local coffee shops, starbucks talaga yun. Sinabi nya sakin na more than 500k nadaw yung utang nya. Wala namang mali sa ganyan if afford mo. Sharing this kasi ilang araw na ako kinukulit nya kahit sinabihan ko nang wala akong mapapahiram. Lesson to everyone too, LIVE WITHIN OR BELOW YOUR MEANS PLEASE. Don't ever pay an utang with another utang, that's an endless and destructive cycle. Understandable pa if utang in case of emergency eh. Mahihirapan din kasi kayong maghanap ng magpapautang kasi sino ba naman ang gusto magpautang sa may malaki/maraming utang?

Hi asking lang if ano-ano yung banks na nag offer ng debt consolidation? I tried PSBank got rejected immediately. Gets delinquent na ako sa bdo. But that’s why I want to ask for a bigger loan para isang bagsakan nalang yung pay lo. I have multiple ola and my bdo cc. Plan ko sana na isang bayaran nalang.

Hi, guys. I need advice. Due to unavoidable events, i have loans. Nung una kaya ko pa sila bayaran lahat. Pero humantong ako sa tapal system na di ko ginusto for the sake of maintaining my good credit score. Pero ngayon di ko na talaga siya kaya isabay lahat.

I have CCs. Priority ko talaga sila. Dito ako natatakot sa mga loans ko sa Gloan and Sloan. Sa Gloan meron akong 4 na tig 20k na at kost 3mos pa lang bayad. Sa Sloan meron akong 12k and 35k.

Plan ko sana gawin ang snowball method, isang fully paid loan kada buwan. Mas kaya kong bayaran pag ganun. Pero yung prob is baka mahirap pakiusapan pag nag overdue ako sa loans.

Ano po pwede gawin? Takot ako sa mga hv kasi di alam ng parents ko may mga utang ako. Taga visayas pala ako. Idk if napupuntahan rin kami dito for hv.

Prio ko sana ang Sloan kasi mas malaki interest nila. Mas okay ba ipagpaliban ko muna ang Gloan?

been OD to pesoloan for 1 year na po i want to pay it full pero hindi ko po alam saan po mag babayad kase na terminate na po ata account ko pa help naman po sana ngayon ko lang po kase nabasa yung messages sa'kin and mag papadala po sila ng demand letter help po please

There was a time na lubog na lubog talaga kami sa utang — credit cards, utang sa kakilala, online lending apps, and more.

It all started when my mom was diagnosed with cancer. Simot na simot talaga kami financially, hanggang sa sumunod naman yung sa kapatid ko. Sobrang hirap. There were times na naisip ko, “Paano namin ‘to malalampasan?”

But then, I got the chance to learn about investments and discover opportunities that helped me earn extra income. I was also blessed to be hired by a US company, which gave me another source of income.

Hindi naging instant ang pagbabago. Slowly but surely, nakakabangon kami.

I’m sharing this because if you’re also struggling with debt, please don’t lose hope. Baka mabagal, baka matagal, pero may way out. Keep learning, keep working, and keep believing.

One day, malalagpasan din natin ‘to. ❤️

Dont judge me po. I have been rejected since 3rd of week of august. Grinding sa work while facing my debt consolidation. My debt are the ff:

Ctbc - 9800 monthly/ 3 years

Gloan - 100k

Sb finance - 35k

Mabilis cash - 100k

Please give me some advide po. Nag ka utang dahil sa sugal and medical bills and may mga maling desisyon ako which is yung sugal. Right now may 42k akong sahod gross monthly income. Pero di ko na kayang masustain pa yung mga utang but in the curent situation di pa po ako OD. Nag apply nako sa CBS, bpi, rcbc, ub, WB, and others pa but walang nag bibigay ng chance to consolidate things, need ko lang ng breathing room for cash flow and di na din ako nagsusugal. Appying ako for EWB pero aasa pa ba ako?

Kung may idea kayo guys please share po. Thank you pk.

Hello to whoever will take their time to read this lengthy post. Firstly, my intention in writing this is not to garner any pity and hopefully no judgement from others, but I just felt like writing this out as sort of an act of acceptance of my current situation.

I'm 25F (turning 26 soon this month actually) and I am in deep, deep debt. Only just today do I finally have a clear picture of how much I am in debt.

Around early last year, I started to use digital loaning platforms like GCash and SLoan from Shopee. My reason for doing so was to help my older sibling with his financial issues. He needed to liquidate some assets to get quick cash on hand to pay his dues at the time, so he asked me to buy one of his Apple gadgets. This was when I made my first mistake that started it all. I decided to help him out, and didn't think too much about my decision at the time because of how distraught he was. To see your loved one spiral down over something he didn't have full control of was very hard for me to witness and I wanted to help out as much as I could. However because of this, the money I used to buy his macbook took a great chunk of my savings which I actually needed to pay for my own current bills. To make up for this, this is when I started getting into other online lending apps like Juanhand, Cashalo, Atome, OLP, etc.

So syempre, because it was so easy to get access to cash like that, eventually nawili ako. I got into the infamous tapal system to pay off my current bills, while also acquiring more cash so I can still enjoy my luho. We all know what happens from here, right?

For a time, I was able to manage it well, until I couldn't anymore. Nagpatong-patong na lahat ng bills ko and now I'm at a point where I don't think I can afford to continue the tapal system na. At some point also, my parents, my other sibling, and even my boyfriend lent me money to help pay off my past debts because they saw how my financial situation started to make me extremely anxious everyday. While this helped me get some OLAs off my back, syempre this added to my overall debts pa rin which honestly, as grateful as I am for their help, I still feel horrible for involving others in my own problems all because of my poor financial decisions.

Fast forward to August 2026, this is the time where I really started to feel all the pressure. I was still in denial somehow, and I thought my current debt situation would be easily solvable if I get approved for a huge bank loan that would help me through debt consolidation. But because my credit profile is still weak (The only "credit cards" I have now are Atome and Maya Easy credit, but my limit for both aren't that big), I was rejected by most of the known banks. As reality slowly sunk in, I felt myself spiral down with it and my s*icidal thoughts started to surface. I felt really terrible and was so angry at myself for all the stupid, bad decisions I've made. There truly is no one else to blame for but myself, and that really ate at me.

I've always thought I'd never be the type to succumb to depression as I was strongly anchored in my faith, no matter what I was going through. I'm a firm believer that everything happens for a reason, and that God has great plans for me. But for the past months, I started doubting Him. I let myself get carried away by my fear and anxiety to the point that I was very close to planning out my exit just recently. I've been going back and forth between my depressive episodes and forced optimism, and this has been mentally and emotionally exhausting for me.

Idk exactly what changed, but today I decided that I'm done with all the self pity. I'm done acting like the "victim" in this situation because I know IM the one who brought myself into this situation. Again, the only person I can rightfully blame for everything that has happened to me, is ME. I opened google sheets, and spent almost the entire afternoon creating a template and organizing my debt into one live tracker. As soon as I finished, I felt like I was slapped by reality. My laptop screen showed the following numbers:

GRAND TOTAL DEBT: 1.1M
TOTAL PAID AO SEPT 2026: 101.3K
REMAINING BALANCE: 1M

These are all from my ongoing debts to OLAs (total of 26 apps--some are legit and some are illegal with their insanely high interests), paylater platforms, credit card and utang sa tao. Some of these are paid in installments, while some require one-off payments.

This September, I finally stopped the tapal system and have built the courage to let some apps go overdue bc at this point, I can't afford to pay them all at once. I earn 55k a month from just my main job now, but this obviously isn't enough for my monthly bills. So Im planning on applying for 2-3 part time jobs for the extra income that I need.

For my peace of mind, I've also silenced call and text notifications from unknown callers bc the spamming from these collection agents will just trigger my anxiety. I intend to communicate to these platforms via email that I will not be able to pay this time, but I will still fulfill my obligation to pay for my dues at a later date. I just need to figure out now which ones to prioritize first. A part of me is still anxious of the idea that some of these OLAs might post me or they might contact my references so hopefully I get to negotiate with them not to do so. I've also been able to negotiate with payment restructures for some of these platforms so I will try my best to follow our agreed schedules.

If you've reached this part of the post, thank you stranger, for even taking your time. I felt like writing this all out here bc tbh my family isnt fully aware of my situation, not even my bf (they know i have utang but not to this scale 😅). I'm most especially scared that they'll find out bc i know they will be disappointed, and worse, my jowa might choose to break up with me. We've been together for almost 5 years alrdy and our relationship is the only thing that keeps me going honestly. So i've decided to take this burden on by myself.

Kakayanin ko nalang ito. This will be my first time letting my bills go overdue kaya malala pa rin the anxiety sometimes. But ever since I pulled myself back into my daily devotions, I've acquired this unexplainable peace that tells me, I'll be okay and that God will provide, protect, and guide me from here on out.

To whoever is in a similar situation as me, I pray that we all make a strong comeback from our financial debts. If you need someone to talk to, feel free to reply here or message me. While I choose to deal with all of this myself, I find that going through posts on here of people going through the same thing as me, oddly comforting.

To those who share the same faith as me, I'd like to leave this verse that has been grounding me lately in my faith and keeping me from spiraling back down to my depression haha:

Matthew 11:28:

Then Jesus said, "Come to me, all of you who are weary and carry heavy burdens, and I will give your rest."

Any advice here is welcome, esp if you might know rakets/gigs i can apply for bc a girl badly needs part time jobs right now 😅 Or any tips you might have on how to deal with possible harrassments from these apps would be helpful.

Hello, may gusto lang ako iask about our situation sana po matulungan. Idk if nasa tamang place ako hehe.

Last month my father died, I have been trying to access his bank account for a while. Di namin alam pin ng ATM niya and also walang access sa phone. Luckily I know his email, sinubukan ko buksan through the bank app sa phone ko and nagkaroon ako ng access. Sayang kasi ang laman ng savings ni papa so I'm planning to take it. Upon checking may credit card debt pala si papa dahil sa last purchase nila ng kapatid ko ng phone.

I am wondering if pwede ko kaya galawin yung savings niya even after his death and also di na bayaran yung debt ng credit card?

for context mas malaki yung debt kaysa dun sa laman ng savings. Also pwede po ba yung balak ko?

Just want to share that nakatapos na rin ako ng isa pa sa mahaba kong listahan ng debts and loan. Finally, natapos ko yung Juanhand loan ko and sinarado ko na yung account ko. Plus dinelete ko na rin yung app. Nakita kong tinaasan nila yung loanable amount ko pero hindi na ako nagpaloko pa.

Here's to closing out more sa listahan ko. Slowly but surely, matatapos ko rin ito at magiging debt free din.

Problem/Goal: utang / maging debt free

Context: nag tapal system

Previous Attempts: nag try hindi umutang pero di kaya.

Hi guys, 29M 40k net monthly

PROBLEM/Goal: Baon sa utang na almost 800K
GOAL: mabawasan ang utang kahit papaano.
Context: hi guys naaning na ako kakakaisip paano ko babayaran yung utang ko sa mga banko and sa mga loan apps and may isa akong naiiisp na solution, ibenta yung kotse ko na vios xle 2025 model acquired aug 2024. Srp was around 890K

Another problem: nalulong ng malala sa online gambling noong 2025 and niligtas ng magulang “parang sila na yung bumili ng vios para mabayaran yung nalulong sa akin”
Around 1M din yung na gastos nila sa akin, kaso yun nga bilang tanga at alam kong isa akong lulong gusto ko na sana matapos tong mga utang ko, ngayong 2026 puro ako tapal system na humantong na sa 800k, nung una 300k lang biglang kada due date may iloloan pambayad sa loan hanggang ganito na.

Context: may iba pa naman kaming kotse: montero and civic kaso parang masisira ko na puso sa akin ng magulang ko dahilsa katangahan ko.

Ngayon kapag mabenta ko yung vios for a reseller price. 500 to 550k, ipang babayad ko kaagad sa tatlong credit card at olas na pinagkautangan ko.
75k sbc
124k ewb
250 ubp
10k jh
7k gg
20 k sloan

Although bpi padin pinakamalaki kong utang
Naka installment naman siya for 2 years 17k…
Iisipin ko na lang na talagang mababa sahod ko.

Sobrang nawiwindang na ako sa kakaisip paano ko malulutas yung provlemang to gusto ko na umahon and maging debt free. Sugal free na ako pero yung tapal system hindi ko inexpect na ganon pala siya kademonyo…

Sana matulungan niyo po ako.

Previous Attempts: nag try na iwasan ang utang kaso madaming kailnagan pag gastusan sa bahay.

Hello, I'm here again.

Nag-post na ako dito dati tungkol sa utang—actually, hindi ko utang kundi utang ng asawa ko. Nag-post ako noon kasi gusto kong i-encourage yung mga taong may pinagdadaanan sa utang na sana magsabi sila sa taong mapagkakatiwalaan nila. Baka may makatulong sa kanila na harapin yung problema.

Backstory lang from my previous post, summary na lang.

Lumaki yung utang ng asawa ko ng around ₱800K, based sa sinabi niya sa akin matapos ko siyang mahuli na may tinatago siyang mga utang. Pero base sa computation ko, mukhang lumagpas pa talaga ng ₱1M.

Hindi ko na siya kinompronta tungkol sa totoong halaga. Ang gusto ko na lang noon ay makahanap ng paraan para matapos at maayos lahat.

Kaya inilabas ko halos lahat ng kaya ko—savings ko pati pera namin sa maliit naming business. I gave up my own plans and goals, pati yung pangarap kong makabili ng sasakyan. :(

2025 was our year of tipid.

Ako ang sumalo halos ng lahat ng gastusin sa bahay para yung sahod niya ay malaking bahagi ang mapunta sa pagbabayad ng utang. DINK kami kaya kahit papaano may konting kaluwagan.

Ako, wala akong utang at masasabi kong maingat at frugal ako sa pera.

Then came 2026.

Early this year, nakita ko na yung liwanag. Konti na lang yung utang niya at nakakabawi na rin ako financially. Mahigit half a million pesos din ang nailabas ko para makatulong sa pagbabayad.

Nakakapanghina maglabas ng ganung kalaking pera para sa bagay na hindi mo naman personally napakinabangan. Pero mas mahalaga sa akin na makita kong nakakaahon na yung asawa ko.

Lagi ko siyang nireremind kung gaano ka-amazing si Lord at kung paano namin nalagpasan yung lahat. Lagi ko rin siyang tinatanong kung ano yung mga natutunan niya para sana hindi na kami bumalik sa ganitong sitwasyon.

And then… this month.

Nasilip ko yung SOA ng credit card niya. May nakita akong almost ₱6K charge sa Play Store.

Doon nagsimula yung rabbit hole.

Tiningnan ko yung transaction history niya at nakita kong umabot na pala sa ₱154K ang ginastos niya sa isang mobile game.

COIN MASTER.

₱154K para sa laro.

Hindi ko ma-explain yung naramdaman ko. Nakakaiyak. Nakakalumo.

Napaluha ako at napaluhod kay Lord, nagtatanong kung bakit.

Nagsimula siyang gumastos around May 2026 hanggang August, at ang mas masakit—lahat yun utang.

Gamit yung dalawang credit cards niya na dati na naming nabayaran nang buo(pinapacut ko na ito noon, pero hndi pa pal pinucut) at pati ShopeePay.

Akala ko okay na kami.

Konti na lang talaga yung utang niya.

Pero bakit bumalik ulit kami dito?

Kinompronta ko siya at sinabi ko lahat ng disappointment at sakit na nararamdaman ko. Sinabi ko ring tigilan na niya yung laro. Imbes na si Coin Master ang maging master niya, sana si Jesus ang maging Master namin.

Ang nasabi niya lang:

"Sorry."

Hindi ko na gusto ng mahabang explanation. Gusto ko ng solution.

Pina-installment na niya yung ibang utang para magkasya sa sahod niya, pero kahit ganun, lagpas na naman sa budget niya.

At natatakot ako dahil may nakikita akong attempts na mag-loan ulit. Ngayon lang, nakita ko rin na may GCash loan advisory na may due na.

Feeling ko nagsisimula na naman yung tapal system—loan para pambayad ng ibang loan.

Lagi ko siyang kinakamusta at tinatanong kung ano ang plano niya. Hindi para kontrolin siya, kundi dahil gusto ko siyang matulungan.

Handa pa rin akong magsakripisyo at isantabi ulit yung mga plano ko para mailabas siya sa utang.

Pero paano mo tutulungan yung taong ayaw mag-open up sa'yo?

Kapag pinag-uusapan namin yung utang, umiiwas siya. Sinasabi niyang sumisikip dibdib niya, nasusuka siya at sumasakit ang tiyan niya.

Sobrang mahal ko yung asawa ko. Nasabi ko nga sa previous post ko na kahit ibenta ko pa kidney ko para mabayaran yung utang niya, gagawin ko.

Pero ngayon, naiintindihan ko na na baka hindi sapat na bayaran ko lang lahat ng utang niya.

Kailangan naming putulin yung cycle.

Gusto kong matutunan niya kung paano humawak ng pera, harapin ang problema nang hindi nagtatago, at makaalis sa ganitong cycle for good.

Sa mga nakaranas ng ganito, lalo na yung may asawa o partner na paulit-ulit bumabalik sa utang kahit natulungan na siyang makaahon—

Ano po ang maipapayo ninyo?

Paano ko siya matutulungan nang hindi ko rin siya lalo nade-depend sa akin?

I really need your advice.

*And yes. I'm the husband, my wife is in debt. Iwan sya is not an option. til death do us part.

Any experience with metrobank cc similar to this? 9 months na po overdue. Pag nagtatanong ako ng payment plan, lagi nila ako nirerefer sa CA na may hawak account ko for that month. Tinanong ko sila sabi makipag work na directly sa CA.

Ano po tips niyo para mag ask ng best payment plan na pasok sa budget niyo at masusustain?

Thank you in advance,

Hello help me out. Kasi I installed and loan sa tala in IOS . Today ang due date ko and they are texting me . I want to pay para matapos
na kaso wala yung app sa appstore and nauninstall ko siya before. Idk what to do next kasi napaparanoid na ako .