credit card debt..

Magandang araw,,.

may utang kasi ako sa aking credit card amounting to 20k plus. mga 3mos na akong hindi nkakabayad dahil sa financial problem.. prudentialifevisa card pla name ng credit company ko.. nabayaran ko na sana utang ko kasi may availments kami ng asawa ko sa prudentilife plan ng aming educational plan sa aming mga anak kaso under liquidation daw ang prudentialife ngaun,, pinababayaran na sakin ng buo yung utang ko, pro sa ngaun e wla pa talaga ako pambyad .. please advice me kung ano aking dapat gawin.. nakikiusap ko sa company na hinatying ko muna na maka avail ako sa educational plan pra mabayran ko ng buo ang utang ko pro ayaw nila...

Discuss your options with Prudential Life; I am sure they will consider your case. Try to talk with the Big Boss not the usual staff.

tatawag daw cla sa akin binigay kn nmobile number ko... pro hanggang ngaun wla pang tawag.. mapipilit ba nila kong bayaran ng buo utang ko?

You cannot be forced when you have nothing to pay. Tell them you will you just pay gradually.

ok po ... thanks a lot and more power...

Good luck. be careful because they will try to make you issue checks or sign a payment agreement because that could give them legal grounds to file a case against you. Just read and discuss the terms for your advantage.

Good day,
almost same case din po ung akin.
naki-ride lang po ko sa credit card ng friend ko.
lumaki po ung tubo dahil may buwan na hindi nakapagbayad.
to make the long story short... umabot na po sa 30k ang babayaran at lumalaki na po.Tubo na po yang 30k.
Possible po ba na pakiusapan ung BDO na i-cut na lang ung card habang hinuhulugan ko ung remaining balance para hindi na lumalaki ung tubo.Kasi po ang nangyayari...pumapatong po ulit ung interest monthly.para pong walang nababawas plus ung annual fee pa..
I NEED HELP po asap...please.(ako lang po gumamit ng card)

danagpaoa, pwede mo ipa-cut credit card mo anytime you wish. pero it doesn't mean na titigil din ang pagdagdag ng interest ng existing credit mo. kung nagbabayad ka ng minimum according to your credit bill, ibig sabihin nun ang binabayaran mo interest lang at wala itong mababawas sa principal kaya wag kang magtaka kong di ito nababawasan. para mabawasan ang principal credit kailangan mo magbayad ng sobra pa sa minimun required payment.

pinagbabayad po ako ng 1,168/month for 24mos ang total po na utang ko ay - Php 22,079.55 at yung misis ko ay 1600/month for 48mos ang utang po nia ay Php 56,118.06... hinihingi ko po na khit 1,000/month nlang ang babayaran nmin ng misis ko pro mukhang ayaw po nila... sa tingin nio po e makatarungan yung pag singil smin ng ganun halaga at ganung katagal?

sabi pa po nila na pag nkapagbayad nraw po ako ng nasabi nilang amount e papadlan daw nila ako ng form/agreement sa e-mail i scan ko daw yun at pirmahan tapos isend ko uli daw sa kanila.. gagawin ko po ba yun o khit wag nlang akong pumirma?

Legal and Collection dept na po ang kumakausap skin..

If you are undergoing financial crisis, you may propose payment schemes to the said company on how you are going to pay. Never abscond from your obligations with the said company for you may be held criminally liable under the Access Devices Regulation Act of 1998.

May installment payment arrangment po husband ko with a credit card company, this year matatapos na un for almost 3 months kami d nakabayad dahil wala kaming pambayad talaga... today tumawag asst manager nang bank demanding P32K to pay before 1pm or else he will file a case. "Maghanap na daw nang lawyer at hindi na daw tatangapin ang payment namen after 1pm!" My husband almost got a heart attack for this. Is that legal and we are trying to ask for more time. What can we do? We feel so violated of our human rights!

@jd888 Hi, good afternoon. I have a question, is there a possibility po na ma hold sa immigration due to unpaid credit card debts? May isa pa akong CC na hindi na nabayaran kasi insufficient funds na ako and madami po akong binabayaran at may pinag-aaral pa ako. I'm going to Dubai this coming August. Yun lang po ang concern ko na baka ma hold ako sa immigration? Need your help asap kasi kelangan ko po talaga mag abroad para makatulong sa family. Maraming salamat.