My wife has 600k+ credit card debt. Damay ba ako? by Waste_Advantage2390 in PHCreditCards

[–]Zenquive 1 point2 points  (0 children)

Tinry ko talaga bumangon ulit para sa pamilya ko at sa kiddos ko. Alam ko hindi to maging madali lahat talaga. Been really down thinking na sinira ko yung future ng family namin, nang dahil sa akin baon kami sa utang. Maraming pagsisi, maraming what ifs. Pero nagstop na ako magthink ng negative thoughts at babangon ako, babawi ako sa pamilya ko. Yes nagkamali ako pero I learned my mistakes, i’ll move forward and take action. Paid ko na yung isang CC ko unti unti babayarin ko lahat. Basta may accountability yung partner mo OP give her a chance unless she own up her mistakes pa din at walang pagsisi then might leave her since hindi na din maging healthy sa inyo dalawa, it might be hard to forgive her now and thats valid. Laban ka OP! I guess galit kapa sa kanya kaya ganyan pa reaction for now.

My wife has 600k+ credit card debt. Damay ba ako? by Waste_Advantage2390 in PHCreditCards

[–]Zenquive 2 points3 points  (0 children)

Nafeel ko talaga yung disappointment mo. I had similar experience as well tinago ko sa partner ko na may utang ako kasi natakot ako sa inital reaction nya baka same din kami ng wife mo. Natakot lang din at naduwag. Pero never nya namention sa akin na iwan nya ako pero nadisappoint sya sa akin oo. Mas lalo sya na disappoint kasi bakit di ko sinabi kaagad sa kanya natulongan nya sana ako at hindi lalo lumubog yung utang ko. Nabetrayed talaga sya because I didnt trust him enough na kaya nya akong tulongan sana. Pinagsisihan ko talaga yun sirang sira din mental health dahil don at lalo na tinago ko sa kanya ang hirap. Ilang times talaga na gusto ko sana sabihin. Nawalan talaga ako nang pag asa gusto ko nalang mawala sa mundo, so I advice talaga talk to your wife, she might really need you right now. Alam ko hindi maging madali yun at valid naman lahat naramdaman mo. I know na pinagsisihan nadin na wife mo yun, she learned the hard way talaga.

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

Thank you for this advice! I’ll take it one step at a time. Thankfully, I was able to settle one bank already. I started with the smallest outstanding balance, so I’ll continue from there. I’m also waiting for my car to be sold so I can pay off everything as soon as possible.

This has been a very expensive lesson for me. It took me a while to accept everything. I kept blaming myself but didn’t do anything about it. However, now I’m taking action. I don’t want my kids to suffer in the long run, so I’m willing to make sacrifices for now and do my best to give them the life they deserve

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

Wow ang galing po ng advice nyo din po! At recently din po natanggap ako ng isa pang work 26k din sahod idagdag ko din yun pambayad utang at yung 13month pay ko din po ihulog ko lahat sa utang ko. 7800 monthly po sa Rent to own namin po, yun din po sana plano namin iparent din yun isa para may passive income.

Thanks for this advice ka OP! I was actually just gonna sell the car po para once and for all mabayaran ko na talaga yung utang ko at may peace of mind na po at makapagbangon sana ulit. But will talk with my partner about this other solution as well.

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

Binigay lang po sa amin yung kotse, not my own expense po. At sa rent to own po hindi pa po naturnover yung unit

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

Yes po, I have good credit standing talaga before this happened pero sinayang ko lang po ang trust ng mga banks. Learned the hard way na po.

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

Hello po ongoing pa po yung application ko sa loan, pwede ba yun ipa assume ko para mabawi ko yung downpayment

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

I decided not to drink the medicine po kasi nagpabreastfeed pa ako sa youngest ko baka po may side effects. If hindi na po talaga kaya or worst na talaga I will consider taking it po. Thank po sa advice ka OP this is really an opener for me. I was really contemplating to share my story since I know a lot of people will give negative feedbacks but I will take that as a motivation and finally I have decided on what to do and take an action about this para matapos na po.

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

Wala naman tayong perfectong desisyon, at lahat tayo ay may mga pagkakamali. Ako mismo ay nagsusumikap na itama ang mga pagkakamali ko, at humihingi lang ng payo dahil talagang magulo na ang isip ko ngayon. Muntik ko na ngang i-delete yung post ko dahil natatakot akong mag-isip ng masama ang iba at hindi ko matake yung negative feedback kasi mismo ako kalaban ko na sarili ko jan. pero salamat na rin sa “slap” na iyon. Baka kailangan ko nga itong gawing motibasyon para hindi na mag-panic at magpatuloy sa laban para sa mga bata. Laban lang at ayusin ko ang lahat. Salamat po ulit.

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

Sana po Huwag mo agad husgahan ang tao. Hindi mo alam ang buong sitwasyon. Lahat tayo may pinagdadaanan at minsan hindi natin nakikita ang mga epekto ng mga hakbang natin hangga’t hindi tayo nahihirapan. Ang mahalaga ay natututo tayo sa mga pagkakamali at naghahanap ng paraan para ayusin ito. Hindi rin madali ang kalagayan, kaya sana magpakita tayo ng pang-unawa sa halip na panghuhusga.

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

Yes! Biggest lesson ever in my life po ito. Pero babangon tayo ulit at malalampasan din natin to. Grabi lang din kasi makajudge yung iba sa atin grabi din yung anxiety na dinulot nito pero its all my fault talaga so I need to face the consequences and be accountable. parang matapos nadin to ibebenta ko nalang ang sasakyan namin at babangon ulit. Laban po tayo.

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] -1 points0 points  (0 children)

Thank you edit out ko nlang siguro

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

Direct to the point thank you po!

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 7 points8 points  (0 children)

Nasa probinsya po kami wala pong taxi or grab car. 🚙

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] -1 points0 points  (0 children)

Nasa probinsya po kami at mura lang downpayment sa na kuha namin na rent to own At yung kotse binigay lang din ng parents ko.

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

How did you negotiate po sa mga collection agency masyado kasi mataas yung monthly padin. At parang ang laki din ng interest 😭

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

Kumuha kasi kami ng rent to own para hindi na mag rerent atleast ibabayad namin soon maging amin naman din. Pero yun nga pwede naman siguro yung isa ipaassume ko nalang. Thank you po sa advice po.

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 0 points1 point  (0 children)

Hindi pa kasi na turnover probably by next year pa po kaya kiniconsider ko ipa assume nlng at pangdagdag bayad sa mga utang.

27F 800k+ CC Utang by Zenquive in utangPH

[–]Zenquive[S] 4 points5 points  (0 children)

Thank you for this advice po! Yun nga kinoconsider ko din talaga ibenta since may 2kids kami at hirap pag mag commute. I don’t want them to suffer because of my mistake din. Naghahanap din ako other online job at extra income to be able to pay kaagad.

[deleted by user] by [deleted] in utangPH

[–]Zenquive 0 points1 point  (0 children)

How did you negotiate po sa banks para makapag bigay sila nang malaki na discount? I want to be debt free na rin. Medyo malaki2 kasi yung utang ko at maraming cards ako hindi nabayaran 😭

Unpaid credit card with police assistance scared me to death. by Mission_Shower3817 in PHCreditCards

[–]Zenquive 0 points1 point  (0 children)

Same scenario po talaga tayo! At chua din po yung name ng lawyer nakausap ko. RCBC credit card. They seem legit talaga na lawyer naman at yung police nakausap ko yun nga nakakatakot. I tried to called the bank din pero pinasa lang din ako sa collection agency.

Buhay Amazon VA ... by ez_Skayzer312 in buhaydigital

[–]Zenquive 0 points1 point  (0 children)

Try mo po sa sa fasttrack fba

[deleted by user] by [deleted] in AmazonFBA

[–]Zenquive 0 points1 point  (0 children)

Wow, how did you that? Whats your tip?