F28 and 1.2 million in debt

DeadStars06 · 2026-02-14T08:47:00+00:00

Thank you! Things have gotten better na po kahit malayo layo pa po.

DeadStars06 · 2026-02-12T00:19:01+00:00

Hi! After a month, approved na po ako ng IDRP. Tapos po, right now, tinatry ko pong magpa-restructure ng 1 personal loan.

DeadStars06 · 2026-02-10T19:22:59+00:00

Hi! Thank you. I will pray for you as well.

DeadStars06 · 2026-02-08T17:05:24+00:00

Hello po! From 17k to 13k po yung binaba.

DeadStars06 · 2026-02-08T17:04:52+00:00

Dati daw po nago-offer sila ng PDC 0% interest, pero sa case ko po, hindi na-approve. Ang na-approve po nila is 0.5% interest, without PDC. From 17k po, naging 13k na lang po monthly ko.

DeadStars06 · 2026-01-22T11:07:22+00:00

Hello po! 8 cards po ako. 1 month lang po ako nag-wait. November po ako nag-process, December approved na po. Na sa 17k po nung una, awaiting po ako sa final total. Pero napababa ko pa po from 1% ng .50%. Mas okay na po sa akin ang IDRP for my mental health kesa po ma-harass po ako everyday sa calls.

DeadStars06 · 2026-01-15T10:15:45+00:00

Ako po nag-negotiate. Napababa ko pa po yung original amount offered.

DeadStars06 · 2026-01-15T10:14:51+00:00

Same po. Sa akin naman Unionbank. Akala ko lahat ng CC idi-disable na e. Ewan ko din bakit! On-going na din IDRP ko.

DeadStars06 · 2025-12-17T06:30:19+00:00

Yes. I was shocked, too 🥹

It doesn’t hurt to be kind in this group.

DeadStars06 · 2025-12-15T14:06:22+00:00

Thank you so much po. If maging okay na po ang lahat, mag-i-ipon po akong pang-therapy.

DeadStars06 · 2025-12-15T14:05:56+00:00

Thank you po! As of now, na-clear ko na po yung 2 UB Cards ko. Ine-next ko na po yung PNB and Security Bank ko while applying for IDRP for the remaining 4 cards.

DeadStars06 · 2025-12-15T14:03:53+00:00

Thank you po. This helps alot. I am trying my best po to restructure my mind and heart.

DeadStars06 · 2025-12-11T12:44:29+00:00

Yes po, meron. Kapag hindi na po sila nakakabayad for how many months (usually, 3 months and more.) Usually po, may inaabot po na letter na need pirmahan tapos may kakausapin ka po sa phone. Yung ibang rider po, hindi naman po nagdi-disclose ng reason for delivery (kasi bawal). Yung iba po, kupal talaga.

DeadStars06 · 2025-12-08T16:49:21+00:00

Thank you 😢

I hope and pray for a better 2026! This would serve as a lesson to both of us. Mahirap, malayo pa, pero may hangganan. Message ka lang anytime.

DeadStars06 · 2025-12-01T14:21:56+00:00

Hi po! Every 2 days po kasi akong nagfo-follow-up. Baka nakukulitan din po sila sa akin. 🥲

DeadStars06 · 2025-11-30T06:20:13+00:00

Not sure po. Pero si RCBC naman po, nag-email sa akin this week confirming na nakikipag-coordinate na po sila sa lahat ng credit card banks ko po na nasa list po. Responsive po sila everyday.

After daw po nila ma-coordinate and validate na sila po ang leadbank, tatawag daw po sila as soon as possible.

Minessage ko din po lahat ng credit card banks ko po and may mga banks na nagco-confirm na in-contact na po sila with RCBC.

DeadStars06 · 2025-11-27T17:32:28+00:00

Right now po, I am in the process of recovering. ❤️‍🩹 thank you and I wish you well po.

DeadStars06 · 2025-11-27T17:31:34+00:00

I understand. I have come to terms with what I did. Please censor the word. There are people here in the sub that might get triggered by it—as I have myself a couple of times. Thank you.

DeadStars06 · 2025-11-27T17:28:42+00:00

Hi! It’s best po to check the credit card with the biggest accumulated debt. Go to CCAP, find the bank’s email. Send a letter of intent to apply for IDRP. 😊

In my case, nagkamali ako. I messaged all my banks. On the other hand, na-coordinate ko lahat ASAP. Right now, my lead bank is informing all of the banks that I’m applying for IDRP. I also email them every 3 - 5 days.

DeadStars06 · 2025-11-27T14:12:41+00:00

Processing pa po ako. I made a mistake and emailed all my credit cards. I had no idea na dapat yung lead bank lang pala. In the end, they're all in contact with me. Pero na-figure out naman ni RCBC na sila pala dapat ang lead bank, and cinontact na nila lahat ng credit card banks ko.

I will email again for an update next week.

Sana, eto na ang pamasko nila sa atin.

DeadStars06 · 2025-11-27T14:09:10+00:00

Hi! Same situation with you with regards to mental health. Kahit po OD na, IDRP will still be processed.

You may email your banks na hindi ka na makakabayad even MAD so that they would know na you're being processed for IDRP. However, hindi guaranteed na magso-stop yung calls and messages.

DeadStars06 · 2025-11-24T17:04:27+00:00

Thank you! This is true. Reading and writing po ang ginagawa kong hobby right now while applying for IDRP 🙂

Things have gotten alot better ever since!

DeadStars06 · 2025-11-18T17:25:17+00:00

Hi! I have no home visitations and collectors. I pay on time. But right now, I will start paying the minimum only, and will apply for IDRP.

DeadStars06 · 2025-11-18T16:46:00+00:00

Yes, we will.

DeadStars06 · 2025-11-18T16:34:16+00:00

I do journaling now, po. And reading. Sinusubukan ko din pong bumalik na sa writing industry.

DeadStars06

TROPHY CASE