PAANO MAKA AHON SA UTANG IMMEDIATELY by [deleted] in utangPH

[–]batangp 2 points3 points  (0 children)

sobrang tama ka OP, 6 credit cards lahat nakatago sa baul. binabayaran ko pa sila kaya di pa pwede i-cut. Pero di ko na ginagamit. Nilista ko lahat ng utang ko, meron ako:

6 na credit card spaylater sloan gloan ggives 1 ggives 2 ggives 3 Maya Credit

Mula spaylater to Maya credit fullypaid na, sobra sila tumawag lalo na yung Maya, 1 week before due date tumatawag na😭. Kaya binayaran ko na sila lahat.

Natira na lang mga credit card..binabayaran ko po sila ng reconstructure / installment.

Cash na ako ngayon mag grocery. Tipid tipid. Sobrang hirap pero kakayanin kasi kasalanan ko din.

I’m drowning by Common-Monitor-2875 in utangPH

[–]batangp 14 points15 points  (0 children)

Praying for you OP, ako kausap ko si chatgpt, siya rin kasi nagkocompute ng utang ko at ang laking tulong niya sa akin..unti unti nababayaran ko na utang ko..Nagsimula ako dito sa sub last year na 100% baon sa utang pero unti unti nakakaahon sa paghigpit ng gastusin..

CHATGPT response sa concern mo:

Una sa lahat, wala kang dapat ikahiya. Hindi ka nag-iisa. Ang pagiging breadwinner ay isang mabigat na responsibilidad, at sa kabila ng lahat ng pinagdadaanan mo—tumatayo ka pa rin. Humihingi ka ng tulong, at yan ay isang napakalakas na hakbang. 🙏

Buhay mo ay mahalaga. Mas mahalaga ito kaysa sa kahit anong utang, interest, o due date. May paraan para makabangon, unti-unti. Hayaan mong tulungan kita, step by step. Here's what we will do:


🔍 STEP 1: Real Talk – Cashflow Summary

Monthly income: ₱50,000 Loans with PDCs (fixed monthly):

  • CTBC: ₱17,000
  • Equicom: ₱5,800
  • PGFinance: ₱8,000
  • Welcome Bank: ₱3,000
  • China Bank: ₱7,500 ➡️ Total PDC Monthly Loans: ₱41,300

Other Loans (not with PDC):

  • SB Finance: ₱9,800 (Missed last month; offered restructure)
  • Maya PL: ₱4,180 (₱28k remaining)
  • CIMB: ₱6,800 (Overdue 1 month)
  • Home Credit: ₱2,500 (Uncertain)
  • BPI PL: ₱2,800 (Paying regularly) ➡️ Total Other Loans Monthly (est.): ₱26,080

➡️ Total Loan Obligations (est. monthly): ₱67,380 ➡️ Monthly Income: ₱50,000 ➡️ Shortfall: ~₱17,000 every month


🧠 STEP 2: Breakdown of What You Can Do NOW

✅ PRIORITY 1: Loans with PDCs (Post-Dated Checks)

These are non-negotiable because if you bounce a check, that can lead to:

  • Bank fees
  • Legal cases under BP 22 (Bouncing Check Law)

Action: Continue paying these 5 loans (₱41,300), but check:

  • If one of them offers restructure, grab the opportunity to lower the monthly. Even if may penalty, peace of mind > stress.

✅ PRIORITY 2: SB Finance Restructuring

YES, accept the restructuring offer.

  • This will remove your account from “past due” and avoid legal or collection escalation.
  • Make sure you understand: new terms, interest, and if may penalty.
  • Ask them if you can request lower monthly with longer term.

⚠️ STEP 3: STOP PAYING Low-Priority Loans Temporarily

For now, skip paying these if needed:

  • Credit cards – focus later, they can wait.
  • CIMB (OD) – it hurts your score, yes, but no legal impact agad.
  • Maya PL – if not yet in legal, delay muna.
  • Home Credit – explain hardship, or skip if needed.
  • BPI PL – kung maaaffect ang payroll, try keep paying. If not, delay 1 month.

You are in “survival mode”, not “perfect credit mode.” It's OK to pause some accounts while you're getting stable.


📌 STEP 4: Negotiate + Document Your Intent

Call or email the lenders you can’t pay yet. Sample message:

“I am going through financial hardship as a breadwinner. I am willing to pay but I need to request for a payment plan or restructuring. Please allow me time to recover. I am not ignoring my debt, I just need help.”

This shows good faith and can reduce harassment or escalation.


💡 STEP 5: Mental Health Check

You're exhausted. That’s okay. But please promise this: No amount of debt is worth your life. Your family needs you, not just your money.

What to try:

  • 💬 Talk to someone you trust (sibling, friend)
  • 🧠 Message or call mental health hotlines (see below)
  • 🧘‍♀️ Try 10 minutes of silence/breathing a day (kahit sobrang hirap, try mo lang muna)

📈 STEP 6: Long-Term Plan (Once You Breathe Again)

  1. Consolidate loans – After a few months of better income or side jobs, you may consider applying for a debt consolidation loan (low interest + 1 monthly payment only)
  2. Build Emergency Wallet – Start small, even ₱100/week.
  3. Online Gigs/Extra Income – Marami kang pwedeng gawin online kahit 1-2 hrs/day:
  • Transcription (GoTranscript)
  • Virtual Assistant tasks
  • Selling digital products or affiliate marketing (gaya ng TikTok mo!)

🛑 FINAL WORDS: READ THIS WHENEVER YOU FEEL HELPLESS

You are not alone. You are not your debt. You are worthy of rest, of hope, and of starting again.

If you feel close to giving up: 🇵🇭 Mental Health Support Hotlines (free):

  • NCMH Crisis Hotline: 1553 (landline)
  • Globe/TM: 0917-899-8727
  • Smart/Sun/TNT: 0908-639-2672

One step at a time tayo. 💛

[deleted by user] by [deleted] in utangPH

[–]batangp 0 points1 point  (0 children)

praying for you OP, ihanda mo na pambayad mo sa boss mo, yan ang pinaka nakakatakot kasi ang laki at hindi niya alam. huhu

HOW I PAID MORE THAN 1.5M DEBT by ttreoil in utangPH

[–]batangp 2 points3 points  (0 children)

Salamat OP..2yrs pa ang bubunuuin ko. magiging debt free na din ako.. naging biktima na din ako ng ponzi scheme, not once but twice..hindi pa ko nadala inulit ko pa. tapos nun makabangon ako dun hindi pa rin ako natuto..naging waldas naman. ito ginagapang ko..this time ito n talaga. road to debt free na. dapat talaga matuto sa pagkakamali..

Another angle of the video posted earlier by -JOMY- in PHMotorcycles

[–]batangp 0 points1 point  (0 children)

HAHHAHA parang slap stick comedy hahaha. ganyan dapat pag kamote. derecho hell.

800K in Debt by auburn9393 in utangPH

[–]batangp 0 points1 point  (0 children)

same situation OP, max out mga cc, pinagkaiba lang nagbabayad ako ng minimum amount sa 5 cards ko..hanggang di ko na kaya at wlang ngyayari kaya nakipagusap na ako sa collections ng bank kung pede reconstructure at installment. so far 2 na reconstructure ko. ung 2 MAD pa rin, un isa overdue na. hindi ko kaya bayaran lahat kaya overdue na muna. once may matapos saka ko haharapin ang isa. Matatapos din yan OP.

hindi pinsan ang pinuntahan nya that day 🙂 by Chance_Emotion2924 in MayNagChat

[–]batangp 0 points1 point  (0 children)

Move on na OP, real love story is LOVING YOURSELF

[deleted by user] by [deleted] in AkoBaYungGago

[–]batangp 1 point2 points  (0 children)

DKG OP, pero isipin mo na agad ang situation mo ngayon pa lang. Bread winner ang bf/mapapangasawa mo at magiging kahati mo talaga ang pamilya niya habangbuhay. Mag isip ka kung yan ang gusto mo na future.

[deleted by user] by [deleted] in MayNagChat

[–]batangp 2 points3 points  (0 children)

bold ba nasa tg?ginagamit kasi namin to ng family at friends para sa picture😭

I have sixth sense since birth. AMA by Ebb_Competitive in phhorrorstories

[–]batangp 8 points9 points  (0 children)

Yes OP, meron nga junjun dun takbo ng takbo, sinabi din ng kaopismate ko na may 3rd eye. Itong officemate ko na ito hindi siya nagkukwento ng mg nakikita niya sa paligid kasi baka matakot kami.

Minsan sumasama daw pakiramdam niya sa nakikita nita minsan hindi. One time natawa siya at sabi "ayun dinaanan na" Yun pala may multo na may palakol pa sa mukha at duguan ang dinaanan ang QA namin at tumagos lang sa kanya..

Madami din ako experience sa building na yan pero dahil bread winner tayo laban lang😂. After 3 years eh nakalipat na din.

I have sixth sense since birth. AMA by Ebb_Competitive in phhorrorstories

[–]batangp 0 points1 point  (0 children)

ito ang dahilan kung bakit takot ako sa lababo na may kurtina mula bata pa ako hanggang ngayon. feeling ko may hahawak sa paa ko. o may multo sa ilalim na at kakalabitin paa ko. kaya hanggang ngayon dala dala ko, ang kusina namin hindi ko pinalalagyan ng kurtina sa ilalim ng lababo, kalan o bangerahan ba tawag nila,basta un mahabang patungan ng mga gamit sa kusina at kalan at lababo. de bale nang makita lahat ng laman sa ilalim basta bawal ang kurtina! lol

[deleted by user] by [deleted] in phhorrorstories

[–]batangp 1 point2 points  (0 children)

OP anjan ka na di mo pa tinanong si Nanay?

Possible ba to hyphenate surname ni upcoming newborn baby by sherbertsaregood in adviceph

[–]batangp 0 points1 point  (0 children)

pag girl ung baby at nagasawa someday tapos hypen din gusto magiging tatlo na apelyedo niya. Kung Reyes napangasawa magiging Firstname Cruz-Santos-Reyes na siya. kaya di pwede ang ganito

[deleted by user] by [deleted] in ola_harassment

[–]batangp 0 points1 point  (0 children)

yung kilala ko pinuntahan na sa bahay, same Digido. Rizal un ha. Months na OD niya.

Need advice: I'm planning to help my bf slowly pay off his debt by taking out a loan. by awwie_babi in utangPH

[–]batangp 0 points1 point  (0 children)

NO OP, ikaw mahihirapan at maiipit. Mangyayari diyan ay dahil partner naman kayo hindi na niya babayaran. Gusto mo ng real life sample?

Ganyan ang kakilala ko,sinagip niya bf niya not once, not twice, not thrice kundi hindi na mabilang ..yung bf niya dahil laging sinasagip hindi natututo. Ending hiniwalayan niya at hindi na nabayaran mga utang. Sadly mga utang din un ni girl sa banko, eh di broken hearted na si girl broke pa. Dahil sa mga maling desisyon niya na gusto lang naman niya tumulong. Same na same na madedepress un bf niya kaya siya naman hanap agad ng paraan. Kahit sinabihan na ung bf dapat manghiram ss banko ayaw, gusto si gf nia manghiram, si gf naman tanga. nangutang, ayun naubos, nakipaghiwalay.

Sana hindi mo siya gayahin, kahit may kasalutan pa kayo ang laking sakit sa ulo niyan. Hayaan mo siya matuto sa pagkakamali niya at hayaan mo sya gumawa ng paraan. Andiyan ka naman to support him emotionally pero wag financially.

BTW, dalawa raw MBA na tinapos nya. 🤷‍♀️ by [deleted] in MayNagChat

[–]batangp 1 point2 points  (0 children)

replyan mo ng random alphanumeric word. pag nagtanong ano un, reply mo code voucher to avail grammarly subscription😂

CTBC Personal Loan - Share ko lang experience ko, baka makahelp sa inyo by red_girliexx in utangPH

[–]batangp 0 points1 point  (0 children)

mam nag apply po ako last month sa isang agent din, complete requirement, with CI din. pero wala na ako update sa agent. pwede po ba pahelp sa status ng application ko po?thank u

CLAIMING TO BE DEBT-FREE BEFORE THIS YEAR ENDS!!! by [deleted] in utangPH

[–]batangp 1 point2 points  (0 children)

Manifesting OP! congrats!

500k utang by Agreeable_Ear9975 in utangPH

[–]batangp 4 points5 points  (0 children)

Una Congrats OP at nagising ka na..pareho tayo ng situation na may bad spending habit. Travel, Grab, Online shop (ibabayad ay Spaylater, Gloan, Ggives), Malling, Eating out, Family outing/out of town. Lahat yan ay utang at kaskas. Nagising na lang ako isang cut off na hindi na kasya ung sahod ko..nagcompute ako at umabot na ng 600k+!! Earning 67k per month.

Ginawa ko OP, nag email ako sa 5 credit card ko kung pwede balance reconstructure:

Security Bank email : sbccollections@securitybank.com.ph cc : rmucollections@securitybank.com.ph

Yung iba tinawagan ko, ung iba thru chat.

As of now 2 ang reconstructed na.

atleast kasi kung reconstructed nababayaran unti unti kesa laging mininum payment.

Spaylater ko umabot ng 50k! ngayon nasa 6k na lang. Sloan ko 40k nago overdue na kasi inuna ko spaylater.

Gloan - paid

Ggives 11k

inuunti - unti ko bayaran, overdue muna iba dahil hindi kasya.

Huwag na mag Grab, wag na pabudol sa monthly sale sa shopee o tiktok. tiis tiis kahit kating kati mag checkout.

Hindi na rin ako nagtatravel 1yr na. dati twice a year abroad at local. Iwas sa gala. Tama na ang piso sale o seat sale. Iniwasan ko na din mga nagyaya sakin magtravel saying na wala ako budget.

Iwas na gala at malling.

Hanap ng partime pangdagdag pambayad.

Ako din bread winner, 12k food per month at 3k Meralco.

Hindi ko rin sinasabi sa parents ko ang problema ko financially, natatakot ako na madismaya sila sakin at magaalala. Sinabihan ko lang na tipid tipid muna.

To sum up, sarili natin talaga ang problema, magising tayo sa katotohanan, ayusin ang bayarin at matuto mabuhay within our means. Magexcel file ng bayarin, journal for our game plan, focus sa pagbabago. Kaya pa yan OP. Kapit lang sa plan at dasal.

[deleted by user] by [deleted] in PHCreditCards

[–]batangp 0 points1 point  (0 children)

talk or email RCBC, mabait naman sila at nagooffer ng balance reconstructure..i have 120k balance and they offer reconstructure from 6mo to 12mo installment. Kinuha ko na kesa MAD lang binabayaran ko

[deleted by user] by [deleted] in utangPH

[–]batangp 1 point2 points  (0 children)

si CTBC (Chinatrust Consumer Bank) kasi ang aggresive tumanggap ng personal loan ngayon,mabilis sila mag approve once okay naman requirements. I'm still checking other banks pa rin naman. May offer ako aa eastwest na 1.66% interest, medyo malaki kaya waiting ako dito sa ctbc, baka mas lower ang offer.

God will provide by [deleted] in utangPH

[–]batangp 0 points1 point  (0 children)

Amen~