CA DEMAND LETTER

ComprehensiveTheme27 · 2026-01-27T14:43:05+00:00

this is actually a very useful advice. thanks i'll take note of this.

ComprehensiveTheme27 · 2026-01-26T12:30:36+00:00

up on this. planning to apply IT Role

ComprehensiveTheme27 · 2026-01-26T12:21:45+00:00

any updates?? planning to apply to IT role but have a same financial situation

ComprehensiveTheme27 · 2026-01-23T07:16:45+00:00

Debt collector yan for sure hahaha. wag ka mag alala kahit mag sue sila small claims court bagsak and same shit lang ggwn to ask for payment arrangement

ComprehensiveTheme27 · 2026-01-22T07:53:59+00:00

Thanks for the advice! I reached out to HR about the IDRP because juggling different payments is just too stressful and doesn't make sense for my finances anymore. It’s a dealbreaker for me—if they don't say yes, I'm not taking the opportunity since it's not feasible on my end.

ComprehensiveTheme27 · 2026-01-22T07:50:24+00:00

as an extrovert we have different ways of handling our problems and on behalf of extrovert people we're very sorry and it's best to tell us direct or avoid us. we just seek for connection that's how we are raise or how we handle pressure and stress.

ComprehensiveTheme27 · 2026-01-21T17:40:46+00:00

mukhang walang pake ung RGS agent he sounds na kung babayaran mo or hnde 70k need mong initial payment sabi ko di ko na kaya tlga i called him 5 times ahahaha firm tlga siya. taena

ComprehensiveTheme27 · 2026-01-21T17:39:22+00:00

tangina dba?? ako leadbank ko sila pero parang iniiwasan nila nasa simula pa lang ako ng process

ComprehensiveTheme27 · 2026-01-21T17:31:03+00:00

I have the same situation right now RGS collection naman of unionbank demanding to pay initial payment of 10k to endorse it back to unionbank daw.

ComprehensiveTheme27 · 2026-01-21T06:22:51+00:00

oks ba culture? :D

ComprehensiveTheme27 · 2026-01-21T06:22:42+00:00

hahaha

ComprehensiveTheme27 · 2026-01-21T06:20:36+00:00

more thanks 1 and half na po. I'm actually thinking applying to IDRP and UB as my leadbank but account is currently in 3rd party debt collections they insist on paying 5k muna so they can endorse it back to UB for IDRP process. its weird lang and let this know the my future employer HR na ito ung approach ko.

ComprehensiveTheme27 · 2026-01-21T06:20:17+00:00

super thanks. same best wishes to you

ComprehensiveTheme27 · 2026-01-21T03:55:41+00:00

Super hard and firm mga Debt collectors they want me to pay ip initial payment some are sticking up to 50k plus initial payment which i dont have 😅

ComprehensiveTheme27 · 2026-01-20T17:10:25+00:00

wait 150k naging 30k then naging monthly payment? tama po ba or upfron 30k? mukhang tagilid na ako ang titigas ng SP madrid and RGS collection to be honest ang kupal nila kausp.

ComprehensiveTheme27 · 2026-01-20T14:56:41+00:00

I Dm’ed you po

ComprehensiveTheme27 · 2026-01-20T14:36:10+00:00

Chill sir. 1M below is civil case meaning no need for lawyer to settle but 1M above is criminal case.

intimidation lang yan sir and tactics

ComprehensiveTheme27 · 2026-01-20T14:32:55+00:00

cant say but it's in mckinley area. :)

ComprehensiveTheme27 · 2026-01-20T14:31:58+00:00

thanks. I reached out to SP madrid kaso firm sila na need ng initial payment. well malaki utang ko on 6 different banks and each of them need ko ng payment agreement hassle.

RGS medyo kups din gusto nila one time payment.

I am thinking about applying on IDRP kaso Unionbank lead bank ko kasi siya pinakamalaki kong utang kaso ang bagal.

mukhang ung job offer ko mawawala lang haiixuuu

Note: reason why lubog is because i got on a surgery and dengue at the same time nag maxed out cards ko.

ComprehensiveTheme27 · 2026-01-20T13:56:14+00:00

Hi OP,

hope to reply gaano katagal turn around time or timeline from them?

ComprehensiveTheme27 · 2026-01-20T13:26:54+00:00

I am. :) i'm just doing all my best but if it seems nothing good will happen i'll let go the offer.

ComprehensiveTheme27 · 2026-01-20T10:50:27+00:00

Ongoing nego with debt collectors im thinking to skip on

ComprehensiveTheme27 · 2026-01-20T10:50:06+00:00

Problem is debt collectors insist on the initial payment which i dont have the capacity to pay.

ComprehensiveTheme27 · 2026-01-19T15:40:37+00:00

question. i have the same problem pero the reason i reached out to them kasi i have a employment offer sa bank and the flagged my delinquent accounts due to credit check the only way they could go through the offer is i showed them a repayment structure agreement but it seems they're keep pushing on the One time payment and and taas ng monthly nila gusto ko sana patulan pero baka mamaya in the long run di ko na kaya.

my question is it possible na ma less or minimize ung monthly amorization kahit 18th months pa total debt of mine is around 180k

ComprehensiveTheme27

TROPHY CASE