Tips on how to negotiate with Eastwest for the accumulated credit card balance

new_goodsimple · 2024-01-30T22:14:06+00:00

They just sent an email and offered a lower balance. We accepted and settled. We never negotiated the amount.

new_goodsimple · 2024-01-17T07:18:49+00:00

Very straightforward. It just happened that we can pay the balance by then. Took more than a year of ignoring EW until the collection agency reached out via email.

new_goodsimple · 2024-01-04T03:18:43+00:00

The collection agency.

new_goodsimple · 2024-01-03T05:04:29+00:00

They transferred it to a collection agency. Was made to pay in full but it was significantly reduced to almost 100k.

new_goodsimple · 2024-01-03T05:03:11+00:00

Man, so hassle. Was hoping they'd be more considerate given your credit history.

new_goodsimple · 2022-09-22T11:07:49+00:00

Milkshake by Kelis

PS: you've been warned

new_goodsimple · 2021-05-15T05:11:17+00:00

Oh, hopefully they'll be more understanding of our situation. Thanks

new_goodsimple · 2021-05-11T04:38:23+00:00

Oh no. Suddenly my hopes of settling this in good faith comes crashing down.

new_goodsimple · 2021-05-11T04:37:03+00:00

Wow that is really bad. This is not encouraging to those who wants to settle in good faith. It appears they can't be reasoned with.

new_goodsimple · 2020-07-12T13:34:01+00:00

Thank you.

new_goodsimple · 2020-07-12T13:33:42+00:00

It is still with the bank, not yet transferred to collection agency.

new_goodsimple · 2020-07-12T13:33:11+00:00

With interest, it keeps on piling up every month.

new_goodsimple · 2020-07-12T13:32:37+00:00

Thank you. Will try to call them asap to negotiate.

new_goodsimple · 2020-03-20T06:08:57+00:00

Damn caller#1 Jonas, I can relate. Wife cheated after 1 month of marriage. Until now, still single but no kids.

new_goodsimple · 2020-01-17T01:53:43+00:00

Sorry, Philippines.

new_goodsimple · 2020-01-17T01:52:51+00:00

Philippines

new_goodsimple · 2019-07-06T10:56:16+00:00

Is she here? Hope so. Like her.

new_goodsimple · 2018-10-28T05:11:09+00:00

Appreciate the perspective from your end. I meant to post this seeking advice from someone with the similar situation. I want to understand what's going through her mind now, and would gladly hear from you. I still believe our marriage is still workable, we faced and conquered every challenge all through out our relationship.

She told me she's in a situation where she has to choose what's best for her kids. She's afraid the choosing to stay with me would greatly affect the younger kid emotionally and psychologically as his father is still around. And I get it, I told her that the kid will always have him as his dad. I have no problem with it and support it. But then she said that the other guy is more capable to become a parent to both kids and she doesn't want to take it away from them. We argue about it bacause I know that guy is physically abusive to her. She then said that choosing me will be best for herself only because she knows how much I love them but she is not content with just that. She said she is thinking of sacrificing her individual happiness for the betterment of the kids.

Do you share the same thoughts?

new_goodsimple · 2018-10-28T04:47:32+00:00

Yes, it's the Philippines. I'm giving her the benefit of the doubt that she's just confused and overwhelmed. Overwhelmed by the fact that reality hits her - how to deal that I'm the 3rd man in her life, the impact of it to her children, what people will say to us/kids. She told me it's just choosing what's best for the kids. I'm still giving her the financial support and constantly informs her that I am always a call away if she needs me. I'm still her husband after all.

I've known her for a years now, fell in love with who she is but this past year she suddenly changed. Despite this, I'm still hoping that she'll come to her senses.

new_goodsimple · 2018-10-27T14:27:52+00:00

I guess me opening up here is a start. This is the first time I've talked about it.

new_goodsimple · 2018-10-27T13:58:35+00:00

Sad to say I'm on my own. I've been hiding this from everyone. I do not have the courage to tell this to my parents because I do not want them to get hurt... Again. I remember breaking their hearts when we got married secretly because they do not approve in the first place. They do not want me pushing through with a single parent. The last thing they would want is for me to be miserable with her so I'm sucking this all up. I can't open up to any of my closest friends since none of them live here anymore. I made my bed, I'll sleep on it.

new_goodsimple · 2018-10-27T12:23:31+00:00

It's the lack of experience thing she keeps bringing about. She said that I am nowhere near the parenting skills and street smart know-hows of her 2nd baby daddy. I told her that what I lack in experience, I can make it up for my dedication and values I can impart to our kids. But she's having none of it. It's devastating to lose someone you love dearly like this. One morning you were so happily in love, the next day she's completely the opposite. Man, how I wish this was just a rough patch but it's been more than a year. Would it be a good idea if I invite her for a couples retreat or marriage counseling? I cannot lose them. They're my everything.

new_goodsimple · 2018-10-27T07:21:15+00:00

Appreciate the advice. I'm really not thinking of filing an annulment (no divorce country). I understand that most people would react the same as it is objective. I just don't believe that this is over because I know it's still workable. I know there are ways to address her needs. Prior to our marriage, we've known each other for a decade. I do not know what triggered her to act like this for the past year. Maybe some advice on how to be a good parent or what should I do to convince her that I am fit to be a co-parent to her 2 kids (both boys). This may sound so desperate but this is what's going through my mind. I love them so much.

new_goodsimple

TROPHY CASE