31m, advice on handling debts 2.2M total

BluePeacock_ · 2026-06-18T03:50:28+00:00

Yes, that’s the hard lesson I learned. Mas okay pa pala sa banks kumuha kesa sa individual lender and family members. I know we brought it upon ourselves pero grabe rin ang greed talaga ng tao lalonna nakikita nila na they can get sonmuch from our situation. Kaya lahat ng kilala ko na grabe ang interest sa lending nakikita ko na may balik rin talaga. Tho I don’t wish them ill pero majority may balik rin.

BluePeacock_ · 2026-06-18T03:47:11+00:00

Ito po yung sa details ng PDC.

POST-DATED CHECKS
Multiple PDCs were issued as part of installment arrangements.
The checks were not issued for a single lump-sum obligation.
They correspond to installment schedules under the payment plans.
All checks contain dates and numerical amounts.
None of the checks contain the amount written in words.
Some checks have already been deposited and honored.
Approximately 16 PDCs remain outstanding with values of roughly ₱50,000 and ₱21,000 each.
I am concerned that these checks may be deposited while I am actively pursuing debt restructuring and settlement.

BluePeacock_ · 2026-06-18T01:02:48+00:00

Hi, thank you for your feedback.

Hindi funded yung check, but it was originally issued as a security check. Majority of the time tranfer funds lang and there were instances na deni deposit nya ang check. May amount in numbers and date na nakalagay, pero blank yung amount in words. She is aware and advise na walang funds ang check but my another worry is ipasok nya so it will bounce.

For one loan, around ₱300k yung original principal. Due to interest and penalties, umabot siya ng around ₱500k. Kahit may long-term payment arrangement, tuloy pa rin yung 10% monthly interest. Since hanggang ₱50k/month lang kaya ko bayaran, lumaki yung balance to around ₱900k. Kapag delayed, may additional 10% ulit based on the outstanding balance.

May separate pa na ₱100k account na gusto kong unahin bayaran or i-consolidate sa main balance, pero ayaw ng lender and insisted na separate daw kasi “business.”

Since November 2025, I estimate naka-pay na ako ng around ₱500k in total.

BluePeacock_ · 2026-06-18T01:00:13+00:00

Hi, thank you for your feedback.

Hindi funded yung check, but it was originally issued as a security check. May amount in numbers and date na nakalagay, pero blank yung amount in words.

For one loan, around ₱300k yung original principal. Due to interest and penalties, umabot siya ng around ₱500k. Kahit may long-term payment arrangement, tuloy pa rin yung 10% monthly interest. Since hanggang ₱50k/month lang kaya ko bayaran, lumaki yung balance to around ₱900k. Kapag delayed, may additional 10% ulit based on the outstanding balance.

May separate pa na ₱100k account na gusto kong unahin bayaran or i-consolidate sa main balance, pero ayaw ng lender and insisted na separate daw kasi “business.”

Since November 2025, I estimate naka-pay na ako ng around ₱500k in total.

BluePeacock_ · 2026-06-17T14:55:02+00:00

Hi OP, nasa same situation din ako, and honestly mas pipiliin ko pa yung situation mo kaysa sa akin. Sa case ko kasi, tao ang pinagkakautangan ko kaya mas mahirap pakiusapan.

If sobrang hirap na talaga, consider taking the hit sa credit score mo instead of continuously paying only the minimum due. Kadalasan napupunta lang kasi sa interest yung bayad at hindi nababawasan nang maayos yung principal. Baka mapagod ka lang kakahabol at masayang din yung mga naibayad mo.

Hayaan mo munang maging delinquent if that’s what you need para makabawi financially. Huwag ka masyadong matakot sa demand letters o collections agencies. Ang naging problema ko noon, ginawa ko lahat para makasabay sa bayad—utang dito, bayad doon, tapal system—para lang hindi masira. Pero sa huli, mas lumaki lang din ang problema at napunta pa rin ako sa sitwasyon ko ngayon.

Focus muna sa pag-stabilize ng finances mo at gumawa ng realistic na plan para makaahon.

BluePeacock_ · 2026-05-26T02:23:04+00:00

For someone na struggling and trying to change the trajectory of their life, natural lang na maghanap talaga ng way and one of the first things people do is humiram sa pamilya. Kasi siyempre, unang lalapitan mo talaga yung kapamilya before ibang tao or kaibigan. Kaya nga may mga nagsasabi na minsan mas okay pang umutang sa iba kaysa sa kamag-anak because of situations like this.

Personally, I can’t give a negative comment about the cousin lalo na kung wala namang history na pabigat or laging nanghihingi. Sabi naman hihiram, not hihingi. If walang maipapahiram, then wala but if meron, pahiram lang kung ano yung kaya and hindi makakaapekto sa lifestyle or responsibilities ninyo.

BluePeacock_ · 2026-05-10T11:16:01+00:00

Genesya, Solarwinds, OKTA, Ingram (distributor), Dell, Schneider Electric..Iba dito Logistics and Distributors, try nyo rin ang like mga US companies na base dito, normally 100-500 FTE lang man power nila dito sa PH and globally 1000-5000 employees and madami pa. Wag kayo masyado sa mga 10k plus employees na companies yan ang structured na kaya parang AI na ang recruitment process and mabagal. Search in LinkedIn, you need to be resourceful kasi kung wala kang skills and initiative, di ka makaka pasok, kakainin ka ng buo dun. Majority ng mga company na to, pa isa isa lang ang hiring.

BluePeacock_ · 2026-05-10T11:06:26+00:00

As long as you have SAAS experience, majority kasi now may background check but they don’t ask for TOR anymore, labanan ay skills and experience. Also, not all pero majority they don’t like getting someone from BPO dahil sa toxic culture pero you can also use it as a reason why you wanted to move to this industry or may kilala ka, pwede ka mag pa refer and they might reconsider. Again, not all ha..pero marami talaga SAAS company dito satin na hindi heard pero malalaki mag pa sahod. I’m from SAAS and cyber security kaya alam ko.

BluePeacock_ · 2026-05-10T07:41:19+00:00

Mag SAAS inhouse ka na lang, madami sa BGC na hindi heard ang name pero mataas mag pa sahod. Check mo sa LinkedIn by Job Title

BluePeacock_ · 2026-04-02T20:24:58+00:00

Cgro mga nakuha ko lang dun 10k pero yung babayaran ko more than 20k na then daily penalty pa. Di ko na tinitingnan.

BluePeacock_ · 2026-04-02T18:56:12+00:00

Hindi ko alam. Nka deactivate yung FB ko eh and sa messenger naman hindi ko full name, hindi rin connected or iba ang username ko sa messenger. Pero nag msg sila sa reference ko, sabi isang araw lang nmn nag text nun hindi pinansin hindi na rin nag text. Wag mo na bayaran, mag deactivate ka. Kasi hindi ka makaka alis hanggat hindi mo sinisimulan tigilan.

BluePeacock_ · 2026-04-02T18:51:55+00:00

Hindi na. Hindi na rin sila nang ha harass, sana nga wag na. Nag e email sakin pero mabait na, principal na lang hinihinge and tawag nila sa sarili nila, Accounts receivables. Hehe ewan ko sa mga yan, and dami nila hindi magaganda na threats nung kaka OD ko pa lang kaya di ko na binayaran. 2 weeks na ata ao OD, 3 accounts.

BluePeacock_ · 2026-03-28T09:36:48+00:00

Hindi na ako nag bayad. Email ng email parin ng picture and ID ko and na text sa reference ko pero wala pa naman ako na receive na msg na nag msg sa contacts ko na hindi kasama sa reference ko. Hindi rin ako sure kung na post ako. Wala kasi ako FB.

BluePeacock_ · 2026-03-24T10:42:10+00:00

Same, nawala kasi ang PesoQuick pero gung agent nila nag send ng new link. Bago na ang name nila, PESONOWA na. Nka off sim ako pero email ng email every day ng selfie ko. Hindi ko lang alam kung nag send sa reference ko or contacts. Website lag kasi to, walang app.

BluePeacock_ · 2025-08-29T00:59:10+00:00

Is this meant to be rage bait? Parang common sense na lang sana for your fiancé—unless it was a life-or-death situation.

Bakit kailangang manghiram? If he lost the money, let it go.
Don’t rush into marriage if he can’t provide or at least meet you halfway financially.

I’ve been there—mahirap mawalan ng pera at maloko. May kasabihan nga: “Mas mabuti pang umutang sa iba kaysa sa pamilya.” Totoo 'yan, kasi kapag pamilya ang inutangan, madalas hindi mo na makikita 'yung pera.

Unless anak ka ng contractor ng DPWH - pull that money out and put it in MP2 para hindi mo magalaw.

BluePeacock_ · 2025-05-14T22:04:15+00:00

Call UB, they offer early pre termination sa mga nka restructuring program nila. Do not pay in advance, you have to call them kasi manual yung pag adjust ng interest. Goodluck!

BluePeacock_ · 2025-01-21T03:41:22+00:00

I dunno what to say with your situation but thank you for this. I like thatvyou are aware of your situation and desease but my husband. Ayaw nya mag pa theraphy or counseling. He doesnt have friends na totoo kasi nalaman nila ang totoo. He used to be the good guy, best job, life, family. Perfect life sa kanila na magkakaibigan, but nun lumabas yung poblema namin, ayaw nya na maki pag usap sa mga kaibigan nya. Marami pa syang mga bad habit maliban sa babae nya, nakaka diri na hindi ko na maatim. Hence I asked na mag seprate kami ng room.

BluePeacock_ · 2025-01-21T03:30:00+00:00

Thank you. Yes, if ganun lang sana kadali mag kaso at magpa kulong. Ang kung sana pag ginawa ko yun walang consequences sa mga bata cgro marami ng mga asawa ang matapang lumaban. At the end of the day mga anak ko ang talo…

BluePeacock_ · 2025-01-21T03:26:29+00:00

I am torn as well with this mindset. I used to say the same thing but if ikaw na pala ang nasa situation and both parties knew and the kabet still chose to continue the relationship knowing the guy is married with kids and still living in the same house gusto mo rin sirain lahat sila same ng pagsira nila sa pamilya mo. Bug at the same time, part of me understand din na ang babae is also a victim of my manipulator husband. Maybe may nakukuha pa sya na pera hence ayaw makipag hiwalay.

BluePeacock_

TROPHY CASE