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Madison Howard

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Ms_wondering

2024-07-01 09:04:07

Almost 600k cc debt in BPI

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Hello there, same predicament ako with my BPI CC, i spoke to their law firm Sp Madrid sabi nila 674k na ang inabot ng aking cc balance with Madness limit. One time payment 624k na lang daw. Ayaw ko makipag usap sa kanila kase nga mejo nang haharass and voila, nakatanggap na ako summon from MTC and nakalagay lang doon is 427k. Due to pandemic , nanganak ako kasagsagan ng May2020 plus 2yrs nawalang ng work husband ko dahil sa cruiseship. I spoke to sP madrid if pede nila ako bigyan ng zero installment kase willing to pay nman ako. Ayaw nila. Sabi ko gustuhin ko man paano nmin pagkakasyahin eh nagbabayad din kmi ng homeloan, tf ng kids, bills etc and pangkain everyday. , i have an existing bdo cc na 120months to pay na zero interest ni bdo kaka approved lang nila. Ang kagandahan kay bdo kapag nakatapos na ako sa homeloan nmin kase mejo mabigat 69k monthly 7yrs to pay lang kase. Pede kona i fullypaid yung credit card ko . Inuuna lang nmin talaga ang bahay. We are in the 3rdyr na sa bahay. Ibang klase talaga at ang lala ng stress ko sa mga cards. Pero kundi nman nag pandemic wlang problema. Ang ganda ng credit history ko sa bpi and bdo. I will keep you posted sa aking small claim sa court on July26. And hopefully pumayag sila na 60months to pay and bigyan ako ng reasonable installment plan. After all , hindi naman natin gusto takbuhan ang loans and credit natin.

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What is MTC? sa court ba ito?

1720490624
Municipal trial court for small claims. Antagal ko kase sila di kinakausap Sp madrid yan ung collection agency/ law firm. Tinatangap ko ung mga demand letter nila sa bahay and everything. I just dont answer their calls lang kase hindi sila magandang kausap. Mas ok na ako na sa court pumunta mas mbibigyan ako ng ample time and reasonable installment plan ni judge . As of today hanggang september negative tlga ako to settle or pay since vacation asawa ko. I will keep you posted. Malampasan din natin ito.

1720497497
If it’s ok to ask, may I know kelan nag start mangulit sayo yung law firm?

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