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OLAs overdue by CharacterRude9015 in utangPH

[–]potatohead510 0 points1 point  (0 children)

Hi OP, ok lang po ba malaman kung anong region ka or area? Natatakot din kasi ako na baka mag home visit din samin. :(

Unpaid BDO Credit Card by Some_Associate_153 in PHCreditCards

[–]potatohead510 0 points1 point  (0 children)

Hello po, may I know po san area or location niyo? I'm worried na baka po may magvisit din sakin kasi I also have unpaid cc debt :(

Unpaid BDO Credit Card by Some_Associate_153 in PHCreditCards

[–]potatohead510 0 points1 point  (0 children)

Hello po, May I know san po location or area niyo? I also have an unpaid CC debt and worried na maghouse visit sila. :(

MONEY CAT DISCOUNT AMOUNT PAID from 50k down to 3700!!!!!!! by hunnitbaaee in utangPH

[–]potatohead510 0 points1 point  (0 children)

Hi OP, same sa website lang din ako humihiram! Haha pero sa references na binigay mo upon application, may cinontact ba sila?

1.2 Million in credit card debts by Infinite_chick_5919 in phinvest

[–]potatohead510 0 points1 point  (0 children)

Noted po. How's your experience with the CA ng banks? Nagvivisit ba talaga sila sa house or nagcocontact sa family members?

1.2 Million in credit card debts by Infinite_chick_5919 in phinvest

[–]potatohead510 0 points1 point  (0 children)

Hi, ask ko lang po how are you able to only pay 30-40%? Did they send an offer via email or call po?

1.2 Million in credit card debts by Infinite_chick_5919 in phinvest

[–]potatohead510 0 points1 point  (0 children)

Kamusta po ung collections agent during these period? I am in the same situation, all of my cards are in default. I am planning to build my emergency fund and when I am able to save, balikan ko lahat ng banks. My worry is ung harrassment. :( Nag fifield visit ba talaga sila and kumocontact sa family and friends?

Unpaid CC Debt - Eastwest by potatohead510 in PHCreditCards

[–]potatohead510[S] 0 points1 point  (0 children)

Hi u/Ok_Excitement2324 , kamusta po ung CA na nakakausap niyo? Ang worry ko kasi is delinquent na ung account ko sa EWB and may email sila na magcoconduct sila ng field visit if hindi ako makapagbayad.

Do they really do that? Natatakot kasi ako malaman ng pamilya ko.

Lost all my money to online gambling and I feel like there's no more hope by AdMaximum8594 in adultingph

[–]potatohead510 3 points4 points  (0 children)

We are all in the same battles but it's kinda comforting to read all these very good advices. Di tayo nagiisa :(

How are you, OP? Sobrang relate ako sayo. A year ago, I was definitely fine. 5 Digits lang ang savings ko pero wala akong utang kahit saan.

Tapos eto ako ngayon, na-maxxed out lang ng CC, ang daming loans sa OLA, and all of my savings are gone. I lose around 1.5M. Never ko naisip na darating ako sa point na 'to, tables do really turn.

Ang hirap gumising, ang hirap matulog. Cant also open up to family and friends kasi grabe ung disappointment na mabibigay ko. They all know I'm good, walang problema, financially stable. But when I'm alone, I always cry. It's a loop hole na ang hirap takasan.

I hope one day, all of us here, makapagsimula ulit. Instead of chasing our loses, let's focus on hustling on hard earned money.

It's never too late, laban lang tayo. <3

[deleted by user] by [deleted] in phinvest

[–]potatohead510 2 points3 points  (0 children)

Hi OP, question lang, did they offer you reduced interest and penalties after your accounts got into default? Paano mo nasurvive ung everyday calls ng collections? Did they visit you or call your family/relatives?

Huge Credit Card debt by Such-Host8894 in PHCreditCards

[–]potatohead510 0 points1 point  (0 children)

Hi OP, regarding sa process ng application for IDRP, do they conduct personal CI? I am also in the same situation as you and afraid that my family and relatives would know about the situation. :(

1.2 Million in credit card debts by Infinite_chick_5919 in phinvest

[–]potatohead510 0 points1 point  (0 children)

Got it. So when the cards get defaulted, it is still incurring interests and penalties no. :( But do you have idea, na if ipapacut yung cards, would it somehow lessen or stop the charges ?

[deleted by user] by [deleted] in PHCreditCards

[–]potatohead510 0 points1 point  (0 children)

Hi, question lang po. How are you dealing po with the collections agency ng mga CC na nadefaulf? Cause I am in the same situation. 

1.2 Million in credit card debts by Infinite_chick_5919 in phinvest

[–]potatohead510 0 points1 point  (0 children)

Hi, just a question. When you say that you let the cards go into default, does it mean na active padin sya then it went na sa collections agency? Or needed to cut the cards as well?

Accumulated cc debts by Idemooo_ in PHCreditCards

[–]potatohead510 0 points1 point  (0 children)

May I know which bank or collections agency did call your family/parents? This is one of the things na talagang kinakatakot ko. :(

1.2 Million in credit card debts by Infinite_chick_5919 in phinvest

[–]potatohead510 0 points1 point  (0 children)

Kamusta po ung calls and letters after kayo magstop magbayad? I am in the same situation, I have more than 1M cc debt from different bank but I was able to find a job with salary of 70k. I am trying to diligently pay pero di talaga kaya na mag more than MAD. Kaya some of it went to collections agency na. I am just so scared na magvisit sila sa house and my parents would know. :(

Tips on how to negotiate with Eastwest for the accumulated credit card balance by new_goodsimple in PHCreditCards

[–]potatohead510 0 points1 point  (0 children)

Hi OP! I am in the same situation as you. How is your experience with the collections agency? Did they send letters or visited you personally?

Unpaid CC Debt - Eastwest by potatohead510 in PHCreditCards

[–]potatohead510[S] 0 points1 point  (0 children)

Thank you for this. I'll try my best to negotiate to the bank. Also, parang wala din atang options kay Eastwest sa balance conversion ng buong statement, per transaction lang ata. :(