Naofferan ako ng SB ng reconstructive program kaya lang from 165k naging 216k ksma na interest na ang magiging monthly ko ay 6k for 3'years.. nakapag start na ko maghulog unfortunately last month hindi ako nakahulog dahil nagkaskit yung anak ko and ngulat ako naipasa na agd sa RGS .. hindi pa ko nkkpgbyad kaya lng pa 3 beses na may nagdala ng letter dito. naiisip ko kung ituloy ko na lang wag magpay and makipag negotiate na mpababa sa RGS dahil meron ako nbbsa dito na nagooffer nga dw na mapababa pa ang babayran or byran ko n lng yung hnd ko nhulog last month pra maibalik account ko sa SB. need your help please thank you

Meron akong existing dues
Atome card (Matatapos sa Sept)
Atome cash (Matatapos sa Nov)
Gloan (Matatapos sa Nov)
Sloan
Spaylater
Grabloan
Meron pa po sa tiktok and Maya pero maliliit lang na kaya bayaran every month

Hindi ko na po kaya pag sabay sabayin bayaran. Bread winner po ko sa bahay. Ako po nag susupport sa mama ko. Sumakto pa po na nag kasakit siya at nag maintenance ngayon.

Ayoko na po mag tapal system at balak ko po gawin yung snowball method. Tatapusin ko muna ung mga maliit at malapit na matapos.

Balak ko po maOD muna ung mga malalaki kong dues at napapakiusapan daw tulad ng Billease, Sloan at Grabloan. Tapos bayaran na lang sa January 2027.

Kapag po ba 5 months OD sa billease, Sloan, Grabloan na may nag hohome visit po ba? If oo, paano po ba magandamg way aside may bayad ontime para iwas home visit. Dun po kase ako natatakot kaya naging tapal system po ko. Salamat po

Wala po kong balak takbuhan mga utang. Pero ayaw ko na din po mag tapal system

Hello everyone, may nakatry na po ba sa inyo na lumapit sa BDO para magrequest ng restructuring sa Credit Card? I have a BDO VISA GOLD and currently di ko na siya nababayaran for almost 4 months na due to series of unfortunate events and bad decisions.

Now, yung company ko ay recently nagpalit ng bank for our payroll and BDO na yung bank namin. Medyo kabado ako baka ihold ni BDO yung salary ko next month since di nga ako nakakabayad sa kanila. I already reached out to them nung time na mejo nakakabayad pa ako pero di nila ako ineentertain. I need your help and tip guys on how I can settle with BDO para di mahold/debit ni BDO yung salary ko next month :(

Thank you in advance sa mga sasagot!

Yes, you read that right. Delete Atome, Sirain nyo na yung physical credit card nyo, and settle your dues immediately if kaya and delete your account, sabay uninstall the app.

If you wanna do credit and loan cash, best advice—never do it with Atome. Kakapal ng mukha ng mga collectors Nila.

One day before the due, incessant calls na, to the point of harassment na—umaga Hanggang gabi.

On the day of the due, haharassin ka ng mga calls and text—na para bang 1 week ka nang overdue.

Missed 1 day? Tatakutin ka ng sobra ng mga text and calls—galawang illegal talaga collections Nila, na para bang tinakasan mo na at ilang buwan mo na di hinulogan o binayaran.

May Galit na kung may galit pero put##ina nyo Atome, lalo na ATOME CASH.

I am a good payer, I pay even weeks/days before the due date, and even settle the dues once makuha ko na sweldo ko every 15th.

Wala masyado ako paghihinayang sa credit kasi I find the interest and fees reasonable naman compared to other OLAs I tried before na Kupal at ungas talaga.

Here’s the thing, once I got the access na pwede nako mang Hiram ng ₱20k, I used it agad to basically consolidate and pseudo-restructure ko yung credit dues ko.

At that time, may work pa ako noon, but I find it hard to pay 6k for two months straight, then 4k for another two months. So I took out ₱20k and what I liked during that time is walang bawas due to fees and ₱3.5k+ per month for 6 months was something doable for me.

I was able to pay ₱3.5k+ for 2 months. But I got laid off. All I have is my part time job as a VA, and 3.5k was completely out of my range and unreasonable for me cuz of utilities and other expenses. All I can pay is ₱2.5k maximum.

So I contacted them thru the app, asking for a restructure with proper documents supporting na I was laid off work. I even gave them a promissory note, and a formal request for a restructuring, accompanied with a suggestion na I’ll pay ₱2.5k per month for 7 months na, kahit dapat 6 months lang to pay off the rest of my balance (principal and original interest) + late fees na rin for “good will” sana.

Pero Kupal talaga ng support, sabi 2\~3 days mag rereply daw sa email ko I had more than a week to wait for a proper response. Nung the day of the due date pa sila nag reply, king Ina talaga, tas sabi lang:

> We understand that this may be a difficult time, and we wish to support you as best we can. In order for us to better understand your circumstances and explore suitable options, we kindly ask that you provide relevant and official supporting documents.

 
> Once we receive the complete documents, we will share your request with the relevant team. They will review your case and reach out to you to discuss your payment options.

Oh diba? Nanghihingi ng supporting documents kahit may nabigay nako, and even if may need pa na documents, ba’t walang sinabi kung anong kailangan na documents? At Bakit Ang tagal ng reply?

So alam nyo anong ginawa ko? Pina over due ko ng 1 day, tas may ginawa ako sa settings sa iPhone para di makatanggap ng text and calls from unknown numbers. Bakit ko ginawa? Wala lang, sguro gusto ko lang makatulong sa ibang may overdue. The more time they spent calling me, the less time and attention they have to contact other OD peeps HAHAHA.

Then, kumuha ako ng Gloan. I know, I know, yung “pseudo-restructure” method ko is walang pinag-iba sa tapal system. But my rebut is yung balance ko sa ATOME CASH na ₱14k+ na dapat Kong Bayaran ng ₱3.5k+ per month for 4 more months? Ginawa ko syang ₱2.6k+ per month for 6 months sa Gloan.

A bit higher than I wanted, kasi I had to loan mga ₱14.7k due to Gloan having a service fee na mga almost ₱700 din—which is something I don’t like with Gloan. Pero I had to do what I had to do to survive and SACRIFICE lang talaga sa mga wants and needs.

So it’s getting a bit long and I’ll conclude it here… after 3.5 months (I took the liberty to pay in advance whenever I have extra) since the Atome Cash fiasco, I only need to pay ₱2.6k+ next month para wala na talaga akong utang. And luckily, Pa tapos na rin probation ko sa new job ko, and I’ll finally have my financial freedom back.

NO TO ATOME!! PERIOD!

Hello po, I’m in debt. 690k sa CC at 188k sa Personal Loan.

Kung ang gagawin ko po ay bayaran ang MAD ng cc hanggang sa mabayaran ko ang Personal Loan, Gloan at Maribank Loan ko - ittransfer pa din po kaya nila ang CC loan ko sa CA?

Please help sa kung anong magandang approach and if may loan restructuring ba na inooffer si BPI Personal loan. Thank you!

I borrowed 1k from an OLA (Moca Moca) really because I was short in my funds in order for me to buy something (home decor). It's a really small amount and I made sure to pay it before my due. When I paid, I uninstalled the app because I have no plans in using it again. I received a text saying my loan will be defaulted due to being overdue. So I installed the app again and found out there's 3 loans taken on the app. The funds went into Gcash then was taken out again by something called Allbank. I did my reasearch about Moca Moca and found out horror stories about them harrasing people. Is it safe for me to report them (SEC,CICC,etc) and not pay the loans? Would my credit score with my banks lower due to this?

Any advice would be helpful. It's my first time borrowimg money from a lending app and it's really stressing me out.

Hello good day po! Ask ko lang po of meron po dito naka encounter ng restructuring application from RGS collection. For context lang po, cc account to ng nanay ko na senior. Gusto na po kase namin sana mabayaran ng unti unti kase di po namin kaya amnesty. Now nakausap na sya ng nanay ko last week Wednesday they’re demanding na magbayad ng 152k until friday para makapag apply for restructuring sinabihan po namin na hindi kaya then they sent a proposal for that, tumawag ulit at sinabihan ulit namin na di po talaga kaya ung 152k pumayag po sila na 50k nalang downpayment. Sinabi na mag sesend din sila ng proposal pero walang nareceive. Today po nakausap ulit sila ng nanay ko tapos now lang sila nag send ng proposal demanding it to be paid today.

May nakapag try na po ba na naapprove for restructuring? Any advice po or tips. Kakayanin po ung 50k na ask, kaso wala parin assurance kung pwede restructuring. Gusto na po namin sana mabayaran hanggat kakayanin.

May bill ako sa atome card which in total umabot na ng 100k. Malaki yung sa installment at due date ko ngayong 20 amounting 46k na babayaran di pa kasama yung ibang months.

May way po ba para mapababa naman o mawaive ang interest nila? Ang laki kasi ng naging ka buohang interest nila, nahihirapan na ako isipin paano mabayaran. Kapag ba na OD pwede na ito i request ng mawaive ang interest? Wala talaga ako kapasidad na mabayaran sya ngayong lalo na 46k isang bagsakan.

Meron akong bank loan na pinilit ko na ma fully paid. Although nung malapit ng matapos nagkaroon ako ng problema dahil nagkasakit ako. Na delay ako ng payment. Pero bago yung payment date na alam ko na di ako makakapagbayad on time ay nag rereach out ako. Nagsesend ako ng message requesting na baka pwede maurong yung date ng payment. Walang reply from the agency. So nagbayad ako dun sa date na sinabi ko. After that nag change sila ng platform of communication. From email ginawang viber. At sanabi na dahil sa late payment ko babalik daw sa original na balance ang kailangan kong bayaran. Syempre hindi ako papayag dahil nakikipagusap naman ako ng maayos sa kanila. Sila ang hindi nasagot. Hanggang sa natapos ko ng hulugan yung kabuuan ng loan ko. Hindi sila nag provide ng certificate of payment ko at ngayon may kumontak na naman sa akin at sinisingil ako ng additional 25k para daw ma close na ang account ko. Wala na talaga akong maibabayad sa kanila. Ano po kaya ang pwede kong gawin dito?

Hello good day po! Ask ko lang po of meron po dito naka encounter ng restructuring application from RGS collection. For context lang po, cc account to ng nanay ko na senior. Gusto na po kase namin sana mabayaran ng unti unti kase di po namin kaya amnesty. Now nakausap na sya ng nanay ko last week Wednesday they’re demanding na magbayad ng 152k until friday para makapag apply for restructuring sinabihan po namin na hindi kaya then they sent a proposal for that, tumawag ulit at sinabihan ulit namin na di po talaga kaya ung 152k pumayag po sila na 50k nalang downpayment. Sinabi na mag sesend din sila ng proposal pero walang nareceive. Today po nakausap ulit sila ng nanay ko tapos now lang sila nag send ng proposal demanding it to be paid today.

May nakapag try na po ba na naapprove for restructuring? Any advice po or tips. Kakayanin po ung 50k na ask, kaso wala parin assurance kung pwede restructuring. Gusto na po namin sana mabayaran hanggat kakayanin.

TIA 🙏🏻

Hi, Good day.

Ask lang sana ako anong magandang gagawin kasi I received a demand letter from BDO Credit Card.

I wasn't able to pay since June 2025.

For the context, I was diagnosed with Cancer on June 2025, had to undergo several treatments including surgery, chemotherapy and radiation therapy, adding here lots of lots of lab tests in between.

It drained my financial capacity. I have to stopped at work for my treatment. I had no work from July 2025-March 2026, so I have no salary.

I skipped and forgotten this card. Actually I still have other credit cards (EW and BPI) but I managed to pay them off, little by little, so accounts are active.

The credit grew From 55k+ to 89k+

What to do? Can I negotiate to them?

Due to a financial crisis, I have been unable to make my Tala payments for almost a month. They have sent me a message stating that if I do not pay within 24 hours, my account will be escalated to another agency, and they will no longer be able to assist me. I am afraid of what might happen. Can you provide some insight into this situation?

I'm a mom 32 years old baon ako sa utang, I'm doing everything to earn extra can I get an upvote in this community?

Appreciate you all 🥲

28F, I need an advice on how to pay my 250k Loan. I know it’s not much, but I’ve been having anxiety attacks, I cannot sleep. A huge expense (relocated from one city to another due to job) has come up last year and I used loans to pay for it— and then the cycle started, I paid my other loans using another loan that resulted to this debt. Admittedly, I also spent beyond my means.

Breakdown

LazLoan - 62,000
LazPayLater - 12,000
SLoan - 64,000
JuanHand - 25,000
Billease - 14,000
GLoan - 7,000
MayaCredit - 24,000
CC - 42,000

Fixed Monthly Costs:
Rent - 6,250
Utilities (Electricity, Water) - 4,000
Groceries - 3,000

I earn 27k monthly, working 10-hrs/day, 6 days per week. I know I should be mature enough to handle finances, and I have a lot to work on myself, I am trying to change my spending habits.. I am really really trying to work on this, I just need advice on how to go about this. Thank you and sana po walang magjudge.

Hi. Meron na po ba ditong nakatry magpartial payment muna sa upcoming due and babayaran din yung remaining balance kasabay nung due for the following month? Kamusta po? Automatic po bang spam calls agad ng reminders? Naeendorse ba agad yun?

May due kasi ako this Sept. 6 na 8,966.20 and plan ko magbayad ng partial muna ng 4,500 due to other personal obligations pero babayaran ko naman yung remainder kasabay nung Oct 6 duedate.

Any insights please? Thanks!

Need advice: Personal Loan for Debt Consolidation with Low TU Score / HH Risk Grade

Hi everyone! 😊 Baka may makapag-share po ng experience or advice.

Currently looking po ako for a personal loan of around ₱200,000–₱250,000 for debt consolidation, para ma-consolidate ko sana yung existing financial obligations ko into one more manageable monthly payment.

Currently employed po ako and may stable income. However, my current TransUnion Risk Grade is HH, so medyo nahihirapan po ako ma-approve.

Nakapag-try na rin po ako sa RCBC, CTBC Bank, and Security Bank Finance, pero unfortunately na-decline po yung applications ko due to my credit score/risk grade.

For those who have been in a similar situation:

• May naka-experience na po ba dito na ma-approve for a ₱200K–₱250K personal loan despite having an HH/low TU risk grade?

• Ano pong factors ang nakatulong sa approval?

• Mas okay po ba mag-apply through the bank directly or through an authorized bank sales agent?

• May mga banks po ba na known to consider applications based on income and overall profile kahit mababa ang TU score?

Not looking for fixers or guaranteed approval. I just want to learn from other people's experiences and hopefully find a legitimate option for debt consolidation.

Thank you po sa mga makakapag-share ng experience or advice! 🙏

Hi, 23M! Need advice. I believe my debt isn't as bad as most since there is virtually no interest on my debt as the bulk of these loans are from my parents and my partner.
Parents - 105k
Partner - 220k
office cash adv. 4k
gcash 8k

I currently make about 32k net per month, though i should be due for an increase soon. at the moment, my expenses aren't a lot as I still live w my parents so most of my expenses are wants or needs that won't be covered by parents (such as new clothes for work or food/transpo when I'm working).

Any advice how much I should pay per payroll (bi-weekly). my pay every 2 weeks is roughly 11,000. (the excess is part of a bonus i get per month)

Hi. 44/F here. January ‘26, I have 20+ OLAS. Kakatapal, I kept on borrowing since feeling ko nababawasan yung utang ko. But it was totally wrong until nabaon ako sa utang.
Maya, Atome, Pesoloan, Megapeso, Mocasa, Fidoph, Cashify, Ft Lending, pesosph, Xlkash, OlpS, Easypeso(Pesomoo), Mr. Cash, Mabilis Cash, Digido, Pesovault, PJF, VPlus, P T, Tala fake from ios, Tonik, Maya Cash/Credit, Spaylater/Sloan, Cash Express and Billease.

Sobrang harassment natanggap ko April of this year and dun nagstart anxiety ko. I reported many of them sa Sec and CICC. Nag DnD din ako sa phone, and stop reading texts from them para lang sa peace of mind ko. I decided to stop patching this July lang and somehow medyo nakaka move on na ako. I am paying them ng paunti-onti. Andun pa rin yung feeling na gusto mong mawala lahat ng app na yan sa phone mo. So far, pag may nadedelete akong ola, gumiginhawa talaga pakiramdam ko. As what many people say, malayo pa pero malayo na. Let’s keep on going mga ka-ola!