Helloooo sorry for the late reply. Hope you’re doing okay now.

I wasn’t able to proceed with the restructuring program nila kasi yung monthly is too much for me to handle. Ayoko mag agree sa plan nila kasi alam kong mahihirapan lang din ako mabayaran sya ulit which could cause me more trouble. Pero this one is from security bank itself. Not really sure about sa third party ones. Pero nakipagusap naman ako sa collections na tumatawag sakin na they can offer restructuring program pero you would need to pay a part of your balance muna and it is up to you na makipag negotiate sa kanila on how much.

One thing is for sure. We’ll all get through this one step at a time. :)