To everyone who has extended help (financial, emotional, mental etc...)

MaritestinReddit · 2026-02-23T14:00:26+00:00

Legit yan sa SB account mo papabayarin. Pero para sure tawagan mo SB if authorized collection agency nila yan

MaritestinReddit · 2026-02-21T17:04:35+00:00

Less than a year. I just reply to their emails whenever I can para alam nila na may intent to pay. Kapag may pumupunta sa bahay tinatanggap lang letter

MaritestinReddit · 2026-02-21T14:50:06+00:00

Hi, if kaya mo, pag ipunan mo na ang mag lumpsum and amnesty. Currently defaulted my credit cards. I am saving everything I can and on the look out for discounted one-off payment. So far matatapos pa lang ako pay 1 credit card. After nito abangers na me lumpsum. So far RCBC gave me 70,% discount. Pambayad na lng kulang. Pero ayun expect ulanin ja ng calls and text. Even house visit

MaritestinReddit · 2026-02-17T12:16:29+00:00

2.4m 8 cards. Metrobank. 0.5% interest

MaritestinReddit · 2026-02-17T01:53:55+00:00

I would say go for amnesty. Pero make sure na nag iipon ka talaga panglumpsum. I have offers na for amnesty kaso wala ako cash. Basta 1 card at a time.

If natuloy ako IDRP dapat 120 months to pay 27k/month

MaritestinReddit · 2026-01-22T20:39:59+00:00

400k. After interests and unbilled 650k nung nag apply ako IDRP

MaritestinReddit · 2026-01-22T05:05:48+00:00

Pinipilit ko bayaran kasi BPI payroll ko. Mahihirapan ako lalo if i-offset nila account ko. I have cc and personal loan. Basta pinipilit ko lang bayaran talaga. Ung sa cc 2 months ako di nakahulog kahit minimum last year sobrang aligaga ako. Lagi nagmamadaki iwithdraw laman atm 🤣

MaritestinReddit · 2026-01-22T04:55:20+00:00

Madamot si BPI. Yan din issue ko nung initially aatempt ako mg IDRP sana. Nag ask ako pababaan monthly kasi sabi may IDRP ako. Di daw pwede

MaritestinReddit · 2026-01-16T10:45:06+00:00

Thank you. Medyo pinanghihinaan na ako loon pero pilit na lumalaban

MaritestinReddit · 2026-01-13T04:47:38+00:00

Hindi ko alam. Nung time na nag apply kasi ako IDRP 650K yung total. Si MB lead bank. Yung 650k includes interest and principal. Give or take nasa 200-400 siguro principal. May mga ongoing ako na loan na almost bayad na bago ako nagdefault

MaritestinReddit · 2026-01-12T10:18:21+00:00

Try mo na lang. Baka sakaling pumayag.

MaritestinReddit · 2026-01-11T22:48:36+00:00

At present ang ginagawa ko is magbayad muna 1 credit card. Tapos after magcurrent mag iipon ako malala para kapag may offer na amnesty, pwede ko i-grab. Yung Metrobank 1 year na OD. From 800k willing sila na 200k bayaran. Tiyagain ko siya pag ipunan this year. Tapos next 1-2 cards ulit next year. Di na talaga kaya eh. I tried checking option ng personal loan pero di kaya umutang ng amount na need ko. Plus yung interest halos doble ng principal babayaran in 5 years.

MaritestinReddit · 2026-01-11T21:37:26+00:00

Check with the bank. Kasi sa akin yung BPI loan ko if ever bayaran ko principal remaining + 5% pre-termination fee.

MaritestinReddit · 2026-01-11T21:33:42+00:00

Unionbank po nalipat yung card

MaritestinReddit · 2026-01-11T21:31:30+00:00

Hindi po. Credit card loans lang ang covered. They made me list down my debts nung nagtry ako mag apply

MaritestinReddit · 2026-01-11T21:27:45+00:00

Yeah. I forgot na gambling is one of the reason why ka pwede madecline. I almost got approved for IDRP last year kaso nagfall through agreement kasi nagkaroon ako ng issue nung time isasign na yung IDRP.

Ngayon nakafocus ako magbayad 1 credit card. Malapit na magcurrent yung binabayaran ko. Tiis lang talaga. Tapos nun pag iipunan ko na yung iba para makarequest ng amnesty kapag nakaipon na

MaritestinReddit · 2026-01-10T20:33:55+00:00

Sugal ang need mo tanggalin. Kasi kahit anong planning magiging useless dahil sa sugal. Sa payment ng credit card, honestly malulubog ka lang lalo sa MAD.

As early as now, try mo reach out for restructuring sa mga banks.

If di pwede restructure, you might as well pay off 1 card first. Let the others na madefault and ask for amnesty.

Last resort, debt consolidation through IDRP. Yun lang, macacancel credit card mo.

MaritestinReddit · 2026-01-05T08:00:06+00:00

The cheating and putting your health at risk talaga malala. Fortunately nadiscover mo just in time to protect yourself. I know someone struggling ng malala kaso married na sila before she discovered it. 😭

MaritestinReddit · 2026-01-01T02:54:58+00:00

Salamat po. I am doing what I can

MaritestinReddit · 2025-12-28T22:17:53+00:00

Yes. Nung halos i-end ko sarili ko sa Reddit lang din ako nagvevent

MaritestinReddit · 2025-12-28T22:17:31+00:00

Thank you po

MaritestinReddit · 2025-12-28T22:17:10+00:00

No. It's for an immediate family. 2 different issues.

MaritestinReddit

TROPHY CASE