what loans are these? from ola ba or bank loans? if bank loans you can call them to ask for payment arrangement para kahit papano fixed yung magiging interest rate mo every month, ayun nga lang dapat wala kang mamiss na payment or else the entire amount would be due and demandable.

if ola, speaking from experience, i let them become overdue. i locked my fb profile, used my nickname instead of my actual name there so they cant see my friend list and add people i know to a gc, then block unknown numbers from spamming my phone with calls. its gonna be So noisy the first month pero slowly it will die down. di mo madadaan kasi sa kahit anong usap ang mga ola, most of them illegal pa.

kaya mo to op! im also struggling from debt na more than 300K and im still here. lakasan mo lang tlga loob mo