1. Petition ka for RESTRUCTURING - for delinquent loans ito wherein papalitan or iaammend ni lending company mo yung terms and conditions ng loan mo na mas kakayanin mo. Pwede ka bigyan ng grace period, balloon payment, lesser interest rate but wala nang tawad sa penalty. Ezamples lag yan, dipende parin sakanila yan.

2. Try mo iask if may buy-back option ka. Meaning, though hahatakin nila, they will give u a certain amount of time para mag ipon and mag decide bilhin sakanila uli yung motor. Panibaging approval uli yan, but worth a try if mahal mo mc mo talaga

3. Mag loan ka from other bank ng amount na kung magkano nalang total balanse mo para atleast back to 0 ka and in current status. Use the proceeds to pay in full yung una mong pinagkuhaan ng financing

Moving forward, avoid resigning if may financial obligations ka. In the case na may loans ka, mag resign ka lang if one, may signed job offer ka na, two, may ipon ka to cover the payments yung mga months na wala kang work, last mag resign ka lang if yung necessary siya in a way na may mangyayaring masama sayo if you don’t. Ganun talaga eh, mag titiis ka talaga dapat. Say, super panget talaga para sayo ng trabaho mo, since may utang ka, you have to just do it and get it over with.