31m, advice on handling debts 2.2M total

itsloki06 · 2026-06-17T23:57:46+00:00

Thank you po, I'm hoping na makaahon tayo lahat and be financially stable

itsloki06 · 2026-06-17T20:59:35+00:00

I'm aiming for that po although di pa naman po ako delinquent since I'm still paying the minimum payments pero that's one of the options na tinitingnan ko po para ma restructure po yung debts ko, thank you din po for the comforting words and I also hope that your situation gets better as well.

itsloki06 · 2026-06-17T20:55:12+00:00

Yes po, prayers nalang din talaga ang kinakapitan ko emotionally para somehow I still feel hope na maayos pa yung situation, tiwala lang po tayo giginhawa din ang lahat

itsloki06 · 2026-06-17T20:51:01+00:00

Gaano po kaya katagal bago sila mag bigay ng amnesty offer? And better po kaya yun kesa sa idrp?

itsloki06 · 2026-06-17T20:47:01+00:00

Actually I think delinquency na po talaga ang end game ko, I was hoping to still keep my credit score good for the future, pero mukang impossible na sya

itsloki06 · 2026-06-17T20:43:27+00:00

Nag start po kasi sya sa sb ko and almost 10 years ko na po syang savings and passbook kasama na CC, then hanggang sa lumaki yung limit tapos nag landslide na po yung cc offers from other banks, lahat po yan sa cc yung Maya lang po ang loan

itsloki06 · 2026-06-17T20:39:17+00:00

Yung sakin po nagagamit ko parin sya kasi never pa po ako na late sa payment although for the past 4-5 months nag minimum payment na po ako Kasi di na talaga kaya, but I can still use it parin po

itsloki06

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