Hi all, just want to share my experience, I got teared down by a financial crisis, had salary loan sa bank and credit card debt
also,, lost job in between, kaya lalong nahirapan,, when I got Job Offer again after many mos.I had to secure NBI clearance pag process ko,, nag ka hit. tas the collection agencies went to call me again after some rest period, demanding immediate payment and threats to tarnish my NBI and case of BP22 and Estafa..
I was really worried, but I faced them and was ready to negotiate and bargain, collection agency was firm. No restructuring no bargain, I thought, hindi pwede kasi willing party ako to settle pero wag nmn tagang taga.. gipit na eh,with good intention to pay in terms na within human consideration, so I called the bank mismo, spoke with a manager, and to the AmNESTY officer, told her about my predicament and my intent to pay only wag naman bukas,, give me a month to find a way and reposition my finances kc now pa lang ulet magkkwork..
So I spoke with collections and nagka-intindihan cla ng bank. I was cleared sa NBI, kahit nasa complaint level only, at least walang case na na isampa against me...so cleared nako with no derogatory remarks.. yey!
My theory is that,, as long as wala pang court order and invitation from the RTC, pwede ka pang ma clear, and even if may case ka na pero, usapang utang lng nmn, you have nothing to worry. Wag issue checke basta basta, and make sure the bank does not open a Managers check account for you... dapat Savings lng and hulog hulog only.
You can be cleared and start working and be able to pay off your obligations and take care of your finances.