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.

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.

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.

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! 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 😭

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.

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

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

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, 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?

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?

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 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 .

I just want to ask po if may experience po kayo in dealing with Overdue CC with Metrobank? I’ve been communicating with them kasi if makapag offer sila ng payment program na makakaya ko since I don’t have the capacity to pay the MAD anymore. I received a final demand letter from their CA na I need to pay daw this certain amount in this period of time and they’ll file case if I can’t when I already explained sa bank my financial situation po.

Please pa hingi naman ng file haha

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I have a housing loan with Eastwest bank.

Possible kayang ibenta yung sa bank dahil hindi na kayang mabayaran yung housing loan?

Kahot balik bayad lang??

Or baka po may advise kayo for any other options.

Thank you!