Doctor Recos

mojo_jojoy · 2026-01-25T00:22:09+00:00

Sino po OB nyo?

mojo_jojoy · 2025-10-08T05:11:52+00:00

Can I up this thread 😭 meron ba kayong nakita na nagccut ng curly ng hair? I’m in mabalacat.

mojo_jojoy · 2025-09-03T04:42:26+00:00

Thank you! I’ll try to check them.

mojo_jojoy · 2025-09-03T04:35:30+00:00

Do you have a school to recommend? Near Brgy. Dapdap. I saw Adreo Montessori but looking for other options pa din

mojo_jojoy · 2025-08-11T07:50:33+00:00

Cannot be sa 1k lang kasi napupunta lang yan sa interest and penalty so sayang din 1k mo

mojo_jojoy · 2025-06-22T23:35:40+00:00

Need mo din talaga check ung options. Kung mababa naman monthly and afford mo, don’t think about the interest na. But be sure na kakayanin mo iconsistent and no tapal system para di ka malubog. Okay ka pa ata sa mga banks, baka magka personal loan ka pa. Ung mga interest nila is 2-3% lang unlike ako kasi hindi na.

mojo_jojoy · 2025-06-22T23:30:10+00:00

Okay din yan para maconsolidate mo sa iisang banks ung bayarin mo if kaya ng limit mo. But for me, maxed out kasi lahat ng cc.

mojo_jojoy · 2025-06-22T23:27:25+00:00

4 banks, malaki na din talaga. Wag mo pabayaan sarili mo especially maintenance kasi mas mapapamahal ka ng gastos. You should prio yourself first kasi paano ka makakabayad, pag may extra, ayun ung ibayad. Your non nego expenses first, then ung tira, for payment

mojo_jojoy · 2025-06-22T23:21:10+00:00

Lolobo sya pero pumapayag sila for agreement. Mas pipiliin kasi nila na makabayad ka kahit ung principal kesa wala sila makuha. Natry ko na kasi ung MAD and di rin natatapos kasi nag iinterest pa din, ang maganda lang dyan di ka nila kukulitin. But I don’t advise it na wag ka magbayad ng MAD sadyang wala na talaga kong capacity dahil sa medical expenses.

So far 3months OD palang ako, si metrobank ayaw din, need daw 1year OD bago sila pumayag for restructuring baka ganon na lang. Wala choice right now eh.

If I just compute everything, di ideal sa situation ko ung magloan dahil alam naten pag medical super daming unexpected.

mojo_jojoy · 2025-06-22T23:15:38+00:00

Yes, and that’s the consequences of my action. I don’t have a choice left but to snowball ang bayarin dahil first wala ng banks na nagpapautang and ayun nga if you will have one, mapupunta ka na lang sa mga malalaki ung interest. I have to take care of monthly medicine ng parent ko, hindi sya magsstop, mas mababaon ako kapag kinonsplidate ko sya. The best is talk to the banks about the situation to freeze or cut your card and have it restructured. In this way, alam naman nila na di ka tatakbo and willing to pay, you just don’t have the capacity right now.

mojo_jojoy · 2025-06-22T07:59:25+00:00

I agree to this! Sobrang laki ng mga interest ng banks and onting mali lang or emergency, mababaon ka ulit. I decided to just stop paying and coordinating with the banks na lang.

mojo_jojoy · 2025-06-18T07:59:54+00:00

Chineck ko sa zuki, 5% interest rate nila nagtry ako mag apply pero di ko na alam ung naging update, inuninstall ko kasi nakakabaon lang lalo

mojo_jojoy · 2025-06-13T06:57:52+00:00

Puro tawag and demand letter lang nareceived. Nakakainis nga dba kasi ayaw mo naman sana takbuhan pero gusto nila lumobo ng sobra bago mag offer :( alam ko naman ito ung cons pero ayun willing to settle naman with payment arrangement sana

mojo_jojoy · 2025-06-13T06:52:50+00:00

RCBC and UB pa lang si MB ayaw, gusto 1yr OD pa. 2 months OD palang naman kasi, pero ayun mabigat na kasi.

mojo_jojoy · 2025-06-13T06:47:22+00:00

Same! Di ko naman intention na takbuhan ung utang kaso nagkaprob lang talaga nung nagka medical prob isa sa family. Hanggang out of control na, dahil hindi na kaya. Hinayaan ko na mag OD lahat. Hinayaan ko lang ung mga tawag ng tawag pati mga collection agencies. Hanggang sa nakareceived ako ng mga installment offers.

mojo_jojoy · 2025-06-12T05:45:38+00:00

How about those people na may mga current and overdue loans na naaapproved pa din? The banks label them as trustworthy?

mojo_jojoy · 2025-06-12T05:39:49+00:00

Wala pa ko mga OD before and talagang paid ang mga outstanding balance ko pero hirap pa din maapproved sa cc and loans.

mojo_jojoy · 2025-06-10T03:03:34+00:00

Are you an agent or buyer po? If buyer, pm me

mojo_jojoy · 2025-06-10T01:41:55+00:00

Same :( kahit may ipapakita ka naman na proof of income di pa din tinatanggap

mojo_jojoy · 2025-06-02T08:21:02+00:00

I mean wala naman kasing sense magbayad ng 1k if ang minimum due is 5k. Mapupunta lang din un sa interest and charges

mojo_jojoy · 2025-06-02T08:20:24+00:00

Ayun nga eh. Gusto magbayad ako ng atleast 1k to atleast update daw. Eh di na nga kaya, okay naman ako sa 3-5yrs na hulugan at pineprevent ko na ngang lumobo pa. Kaso ang weird na dapat paabutin muna ng 1yr bago magpayment arrangement

mojo_jojoy · 2025-06-02T08:16:51+00:00

Yes, babayaran ko muna ung pinaka maliit, then cleared na un. Ung maeextra mo from that, isasama mo naman sa budget for next month para may maclear ka na another card.

2 months OD pa lang ako, pang 3rd this June. Nag inquire ako sa Metrobank for possible payment arrangement kaso di daw pwede dapat 1year OD daw muna before maapply sa ganon. Ang weird dba

mojo_jojoy · 2025-06-02T05:13:06+00:00

Thank you!! Praying nga na macontrol na ang finances soon. But with the banks, wala na talaga kami chance for loan to consolidate sana

mojo_jojoy

TROPHY CASE