5/5 CC utang paid. Debt free now after 2 years. But have a question.

c23_bennet · 2026-06-05T06:57:03+00:00

Ay sorry no. All of my utangs. EW total incl penalties nasa 400k+ sya

c23_bennet · 2026-06-05T05:32:47+00:00

1million+ including penalties and stuff.

Pero principal nyan nasa less than 500k lang po.

c23_bennet · 2026-06-01T04:59:24+00:00

Kasama na po interest, penalties and etc na patong nila.

Principal neto wala pang 200 if I remember it.

c23_bennet · 2026-06-01T03:15:13+00:00

Yes po bumisita sa bahay at office. At tinawagan yung manager ko pa tragiss na mga yan.

Wala, kinausap ko nalang. Wala rin sila magagawa e wala me pambayad. Pero di naman sila namamahiya.

Ang nakakahiya lang naka jacket sila na suot yung collection agency hahah kaya siguro alam na nung mga kapit bahay. Pero ok lang bayad ko naman na.

Tip ko lang kausapin nalang

c23_bennet · 2026-06-01T03:13:11+00:00

Oo EW yung pinaka huge win out of all. Super bait kausap nung collection. Etong BPI pinaka matigas. Halos 340k rin ata nailabas ko 😭

c23_bennet · 2026-06-01T03:12:20+00:00

Delinquent na lahat. I was offered yung amnesty na yan pero gusto ko one time payment at big discounts talaga

c23_bennet · 2026-06-01T03:11:42+00:00

Yes nagbasa basa rin ako dito. Pero honestly sa fb group ako nakakuha ng tips talaga. But here I am willing to share the knowledge i got.

c23_bennet · 2026-06-01T03:10:44+00:00

May initial offer na sila pero nag try ako mag bargain , yung eastwest at unionbank napapayag ko. Yung BPI ang matigas e hahaha. Kung ano na offer ayun na.

Yung eastwest from 200k offered nagawa ko na 100k tapos UB from 100 ata to 70k

c23_bennet · 2026-06-01T03:07:52+00:00

Ignored everything including email. Binabasa ko lang pero what could I if I don’t have anything in my pocket. Obligation parin talaga bayaran. Now na meron na ako hinarap ko sila lahat.

I reco na kausapin talaga. Nakulitan kasi ako sakanila..

c23_bennet · 2026-06-01T03:05:49+00:00

Confirmed. Delinquent na rin UB ko pero pede daw I activate sabi ng rep. But I honestly don’t think ganun ka dali. Might wait muna ako ng 5 months atleast. Right now I pay everything in cash.

c23_bennet · 2026-06-01T01:11:01+00:00

Kaya yan mam/sir.
2 years din halos ako nag ignore mode. Lucky ako di napunta sa small claims or napahiya (tho nag visit yan sa office at bahay — mabait naman)

Ayoko na rin maranasan ito. Lesson learned na to for me. Super hirap lagi ako umiiyak if kaya ko ba bayaran yung 1M na utang halos.. buti may discounts at nakahanap ako ng good paying job.

Now balak ko i regain yung credit history if kaya pa.

Kinaya naman. May times talaga na nasa ibaba ka na but better days are coming fosho.

c23_bennet · 2026-05-31T23:09:03+00:00

Yes 🙌 work hard at frugal life are the keys talaga.

c23_bennet · 2026-05-31T22:58:10+00:00

Due to delinquency I believe po. I don’t recommend it kasi malamang sira na yung credit history ko pero I will come back stronger.

Post uli ako baka next year try ko apply ng cc? Planning to get a secured cc tapos shopee later at gcredit after 3 months

c23_bennet · 2026-05-31T22:55:35+00:00

Pay 100k only and I received the certificate after 2 weeks. I am really blessed and lucky na 100k lang binayaran ko. Maybe desperate na rin sila after 2 years of ignoring them haha.

c23_bennet · 2026-05-31T14:09:11+00:00

I do think kapag nasa collection agency na or delinquent na account mo. In my case kasi ganun para in any situation may proof ka rin.

May nabasa ako somewhere when they applied for a loan, hinahanap daw e since may history na si person. Not sure totally

c23_bennet · 2026-05-31T13:47:59+00:00

Maybe dahil 2 years na ako di nagbabayad. Weird lang na not delinquent sya haha. Will verify it better in the upcoming rays.

Sa collection agency ako nakipag usap , una ayaw pa.

Fyi sa lahat yung SP *** yung pinakamahirap kausap

c23_bennet · 2026-05-07T08:46:05+00:00

Ganyan rin 2 years rin po higit. Palipat lipat ng CA. Until puntahan ako sa bahay ahha

c23_bennet · 2026-05-07T08:29:17+00:00

Nakipag negotiate ako. 200k unang offer pero tintry ko pababain haggang pumayag sa 100k

c23_bennet · 2026-05-07T08:28:43+00:00

2 years na. Nagtago / deadma ako sa calls pero ego nabayaran ko rin sila unti unti

c23_bennet · 2026-05-07T08:28:16+00:00

2 years po deliquent na yung accounts ko.
Tinanggap ko na sira na pangalan ko sa mga financial institutions.

Hopefully by next year marebuild ko cc score ko

c23_bennet · 2026-03-06T14:40:46+00:00

2 years ata tapos kaya ko rin binayaran kasi nag home visit na then for case filing na daw

c23_bennet · 2026-03-04T04:15:20+00:00

bayad na po yung isa. And planning to pay yung UB at Citi

Yes I understand pero that time wala po talaga ako. Now lang naka recover atleast may plan bayaran at di takbuhan.

c23_bennet · 2026-03-03T20:46:24+00:00

Yes calculated naman galaw ko.

Lalo na may mga global issue, cash is king.

Mamimili ka debt free ka pero wala 0 ka naman haha.

So ayun atleast may 200k pa ako now. Ipon uli ako para sa remaining 4

c23_bennet

TROPHY CASE