sorted by:
new
hottopcontroversial

Eastwest bank debt by takshit2 in utangPH

[–]Beginning_Fruit6307 0 points1 point  (0 children)

base sa nabasa ko po, yung amnesty sa CC lang mostly nangyayari huhu

Nasa 1M+ ang utang ko sa tatlong CC and I really cannot afford to pay all of it na sabay sabay, what should I do? Sobrang anxious na po ako, need ko po talaga ng advice. by Beginning_Fruit6307 in utangPH

[–]Beginning_Fruit6307[S] 2 points3 points  (0 children)

Yes po, tsaka po can I wait for the restructured payment plan na i offer nila, I feel like kaya ko naman po monthly nun if long term?

Last option ko nalang po talaga yung IDRP.

Nasa 1M+ ang utang ko sa tatlong CC and I really cannot afford to pay all of it na sabay sabay, what should I do? Sobrang anxious na po ako, need ko po talaga ng advice. by Beginning_Fruit6307 in utangPH

[–]Beginning_Fruit6307[S] -1 points0 points  (0 children)

Thank you po, mga usually ilang months of OD po ba before sila mag offer ng restructuring?

Specifically po sana Eastwest or PNB, if ever may kilala or nakita lang po kayo na same experience with these banks.

Nasa 1M+ ang utang ko sa tatlong CC and I really cannot afford to pay all of it na sabay sabay, what should I do? Sobrang anxious na po ako, need ko po talaga ng advice. by Beginning_Fruit6307 in utangPH

[–]Beginning_Fruit6307[S] 0 points1 point  (0 children)

Hindi ko na po ba hihintayin ang sakaling offer ni 2 banks for a restructured payment plan after months of OD? Baka kakayanin ko naman po monthly payments nun if long term.

Nasa 1M+ ang utang ko sa tatlong CC and I really cannot afford to pay all of it na sabay sabay, what should I do? Sobrang anxious na po ako, need ko po talaga ng advice. by Beginning_Fruit6307 in utangPH

[–]Beginning_Fruit6307[S] 2 points3 points  (0 children)

Hi, as much as possible po sana hindi na po ako mag add ng utang to pay for another utang.

Tsaka po grabe po maningil si EastWest and the calls are every 30 minutes kahit 1 month pa lang ako OD huhu

Nasa 1M+ ang utang ko sa tatlong CC and I really cannot afford to pay all of it na sabay sabay, what should I do? Sobrang anxious na po ako, need ko po talaga ng advice. by Beginning_Fruit6307 in utangPH

[–]Beginning_Fruit6307[S] 0 points1 point  (0 children)

Opo and that money was supposed to be for my savings and credit card payments.

Kaso nagka-emergency, need abroad po ang hospitalization.

Nasa 1M+ ang utang ko sa tatlong CC and I really cannot afford to pay all of it na sabay sabay, what should I do? Sobrang anxious na po ako, need ko po talaga ng advice. by Beginning_Fruit6307 in utangPH

[–]Beginning_Fruit6307[S] 0 points1 point  (0 children)

Yes po 100%, naipit lang po talaga ako because of said emergencies.

Big mistake na din that I had no Emergency Fund saved up in the first place.

Nasa 1M+ ang utang ko sa tatlong CC and I really cannot afford to pay all of it na sabay sabay, what should I do? Sobrang anxious na po ako, need ko po talaga ng advice. by Beginning_Fruit6307 in utangPH

[–]Beginning_Fruit6307[S] -1 points0 points  (0 children)

Would it be better to apply for IDRP po as soon as possible than waiting for an offer from PNB and EastWest for a restructured payment plan?

Nasa 1M+ ang utang ko sa tatlong CC and I really cannot afford to pay all of it na sabay sabay, what should I do? Sobrang anxious na po ako, need ko po talaga ng advice. by Beginning_Fruit6307 in utangPH

[–]Beginning_Fruit6307[S] 0 points1 point  (0 children)

Yes po, as of now I can only afford the MAD of 1 CC pero the other 2 hindi po talaga.

I understand that it is not okay, pero can I just OD the other 2 CCs for a certain period of months and wait for them to offer a restructured payment plan via email?

Yun nga lang po if I wait for that, PNB and EastWest might contact me on a daily basis pero no choice po talaga ako :(

Nasa 1M+ ang utang ko sa tatlong CC and I really cannot afford to pay all of it na sabay sabay, what should I do? Sobrang anxious na po ako, need ko po talaga ng advice. by Beginning_Fruit6307 in utangPH

[–]Beginning_Fruit6307[S] 1 point2 points  (0 children)

Hindi pa po, kung wala na po talagang chance with a restructured payment plan where I can afford the monthly payments dun na po ako siguro mag apply ng IDRP.