Happy 2026 @reTIRED banker, thank you for all that you do kahit newbie ako dito, madami ako natututunan and hopefully mas mabawasan ang depression dahil sa cc debt. Cheers to more burgers for the streetchildren...
Hello po good day, ilatag ko lang po sana ang aking situation... Currently, may utang ako around 3M... composing of utang sa tao, credit cards, personal loans, and utang sa lending apps like home credit. Balak ko po ay unahin muna ang dalawang tao na nautangan.
Ngayon, worried po ako sa security bank ko, around 800k utang sa credit card sa kanila, and I alao have 168k outstanding balance naman sa BPI personal loan, tig 200k sa metrobank, EW, Maya credit card.
I understand na I can ignore calls, however, nag aalala po talaga ako sa garnishment.. I currently work sa university though Contract of service status,, nag woworry ako na baka kapag maging permanent na ako, ay eventually ma hold ang payroll ko, (DBP - Development Bank of the Philippines) though wala ako utang jan.
ito ang mga worries ko: 1. What if multiple banks ay nag push through sa pagkaso? 2. Do I need to attend all of the hearings sakaling magpatawag sila? 3. Currently, I am saving for future settlements, but I am worried baka ma hold ang bank accounts ko...
Hi @ Flyme09 ask lng po sa 2mos past due nyo anu po ginagawa ng bank ? Ako po now pa lang ako nagpast due nagtawag na po kanina nasstress po ako pag tumatawag ako po sa government naman nagttrabaho di ko din po alam amg gagawin
Good evening po sa lahat at good evening po banker. Defaulter po ako since 2011 isang bank lang at lahat ng pananakot naranasan ko na po at laking tulong po ang page na ito. Salamat retiredbanker...Mam Cherrylou. Last ko po na nabigay sa collector was 2018 at mula nuon hininto ko na gawa ng wala talagang patutuguhan . Wala pa din po ako kakayahan magbayad. Ngayon lang po nag chat sa akin ang pinsan ko po na isang barangay kapitan at ang sabi niya may tumawag daw sa isang kasamahan niyang kapitan din ng barangay kung san po ako nakatira dati nung wala pa po akong problema sa bank. Nagpakilala po itong isang police at ang sabi hinahanap ako dahil may malaking kaso po ako sa Maynila. Tama po ba yun...naranasan ko na po ito dayo siguro 2014 na ganun din pinuntahan barangay ko kung san talaga ako nakatira at yun nga daw may kaso ako. Hindi ko na po kasi sinasagot mga unknown calls po at saka walampa po kasi akong pambayad. Suspetsa ko po talaga na ang tumawag sa kapitana ay collection agen y or collector kasi defaulter po ako pero wala ko akong ginawang ibang mali o may krimen na hinawa po. Ito na namn po ako Mam Cherrylou, kabado na naman huhuhu.
Wag na po kayo mabahala dyan dahil more than 10 years na po ang pagkaka default nyo. Hindi na po kayo makakasuhan nyan. Pananakot na lang po yan. Chill lang.
n.b. Article 1155, Civil Code: Actions upon a written contract, obligation created by law, or judgment must be brought within 10 years. Interruption Grounds: The period stops and resets when: 1. An action is filed in court. 2. There is a written extrajudicial demand by the creditor. 3. There is a written acknowledgment of the debt by the debtor.
Hi Risktaker! Gaya ng lagi sinasabi ni banker, pag wala talagang pambayad "forget the debt but not the lesson." Naiintindihan ko ang takot mo kasi same sa nararamdaman ko kahit nagkakalakas ng loob sa dami nakakausap eh di mawawala ang takot kahit ano gawin kasi di naman natin gusto di magbayad, sadyang wala lang talaga maibayad. Napagdaanan ko na ang di makatulog pero ngayon nakakatulog na ako, mas madaming calls and text dahil 4 months na akong overdue, nilipat ko muna sa ibang cellphone yung sim na connected sa bank para nako contact pa rin nila.
Nakareceive po ako mismo sa unionbank na text na magooffset sila sa existing deposit accounts ko. Problema ko po doon cinecredit payroll. May nagsabi na automatic offset daw yun pagkapasok ng sweldo. Nung tumawag akp sa unipn, masa rgs at madrid na accpint ko at doon daw akp magnego. Pero nakita konpo dito na hindi po sila dapat ang kausap. Natatakot po ako sa auto offset at mawala sweldo ko. Paano po ang best na gagawin?
Good day po. Ask ko lang po. If legit po ba tong email na nareceive ko from CMAP daw or pananakot lang po?
FINAL NOTICE PRIOR TO ENFORCEMENT FINAL NOTICE PRIOR TO ENFORCEMENT:
This letter serves as your final and official notice regarding multiple criminal and civil violations resulting from your continued failure to fulfill your legal and contractual obligations. Despite previous attempts to reach a resolution, you have remained unresponsive. As a result, this matter is no longer subject to negotiation. Be advised that Branch 60 of the National Capital Judicial Region, Makati City, has issued a Court Order authorizing immediate enforcement measures. The following legal provisions are applicable to your case: Criminal Violations (Revised Penal Code): · Article 315 – Estafa: Committing acts of deceit resulting in financial loss to another party. · Article 316 – Other Forms of Swindling: Engaging in fraudulent transactions. · Article 318 – Use or Possession of False Documents: Utilization or possession of falsified documents. Civil Violations (Civil Code of the Philippines): · Breach of Contract: Non-fulfillment of contractual responsibilities. · Failure to Comply with Lawful Obligations: Violation of provisions under the Civil Code. · Collection of Sum of Money: Non-payment of verified financial obligations. You are hereby given twenty-four (24) hours from the time of receipt of this notice to take immediate and appropriate action. Failure to comply will result in the execution of the court order, which may include but is not limited to: · Seizure of assets and garnishment of property · Enforcement coordination with barangay and local authorities · Additional legal fees, penalties, and collection expenses · Initiation of further civil and criminal proceedings This is your final opportunity to resolve the matter and avoid full legal escalation. To settle this case, please contact the Credit Management Office immediately at 0935-945-9367 and look for Attorney Abraham Ramos II. We urge you to treat this matter with the seriousness it warrants.
We urge you to treat this matter with the seriousness it warrants. Failure to act will lead to immediate and irreversible enforcement action.
Barangay Coordination for Address Verification: For the sole purpose of verifying or locating your current address, we may coordinate with your local Barangay. Please be assured that, in compliance with the Data Privacy Act of 2012, no details of your account or the nature of your obligation will be disclosed to Barangay officials.
Field Visit by Authorized Service Provider: A field visit may be conducted by our duly authorized third-party service provider, MVP Account Management and Recovery Inc., to confirm your address and facilitate a settlement discussion. This service provider is bound by strict confidentiality and data protection obligations and will present proper identification upon their visit.
Optional conciliation: If you expressly consent, we may request the Barangay to facilitate a conciliation meeting between you and the Bank’s authorized representative to discuss possible settlement in a neutral venue.
Hello po uli Ito na naman po ako, asking some advices para mabawasan ang stress na nararamdaman🥺
Possible na po kasing di ko mabayaran ang BDO Credit card ko, nag aalala po kasi ako BDO po ang payroll account namin, possible po bang mag auto debit yun?ano pong pwede kong gawin?😢
https://failuretopaycreditcard.blogspot.com/2025/08/payroll-garnishment.html#comment-form p.s. I have addressed this issue several times to several people but "never returned" what happened afterwards 😁
Goodam. Nag sign po Ako Ng 5years to pay s SB cc di ko pa po kc Nakita to diskarte blog nuon, sa takot pumayag po Ako monthly amortization na 4,687 for 5 years . 2years na po nahulog ko 2024 and 2025. .Ngayon January 2026 do na po Ako nakahilig kc wala.ng job. Paano po kaya dapat ko gawin?.
hello, may utang kasi ako sa Metrobank CC; way back 2019-2020 ako naging defaulted, okay lang ba na mag open ng payroll account sa kanila (Metrobank)? di naman mahaharang or whatsoever? (P.S.: alam ko po yung technique na withdraw-hin agad ang sahod haha ang worry ko lang ay baka maharang or what)
Normally, the bank would have you in their blacklist file, hence, can be decline. However, If I were Metrobank, I would encourage you to open one so that we can implement an auto-transfer for your defaulted cc upon opening to flag that account. 🤦♀️
aw ganun po ba banker. sige po noted po thank you. sabi po kasi soon naman ay magiging BPI na ang payroll account once na matapos ang transition nung sa company
Magandang Hapon po. I hope someone can advised me. Nag attend na po ako ng hearing and waiting for a court resolution since hindi po kami nagkasundo sa compromise agreement. My debt po sa RCBC is 821k. Hindi ko lang po kaya bayaran ng buo but will pay paunti unti. Question ko lang po, if lumabas na yung court resolution for the amount I need to pay, if makapagpay ako continous ng partial payment, magfile pa din po ba sila ng writ of execution?
As discussed, your account is currently endorsed already for possible legal action.
Outstanding balance: 165,708.48
Option 1: Amnesty Program P 68,000 as one time valid February 10, 2026 (closed account) Option 2: Monthly settlement P 5,000 as partial payment: 2,500 feb 13, 2026, and feb 27, 2026 P 3,000 MONTHLY once complied for the partial payment.
Once payment is made, kindly send here the proof of payment
Thank you
Regards, Cleaver Todio S.P. MADRID CORPORATION Address: 17th Floor Chatham House Condominium V.A Rufino cor. Valero St, Makati City Contacts: (02) 7717 5213 | 846 51274 Mobile Numbers: 09190599879 Email: emlegal@spmadridlaw.com
Paano if hindi ako nagcomply sa gusto nila, may nakausap kasi ako na taga SP sabi ko hindi ko pa kaya magbayad. Bayaran ko daw yung 5k kasi endoserd na daw for legal action. Bayaran ko daw half sa 15 at half sa 28.
e3u73f5qu@mozmail.com p.s although I am already actively retired, can't help but pity defaulters. kaya lang some I tried to help never naman would call? 😁
Prescription period is 10 years but is interrupted by filing a case in court, a written extrajudicial demand by the creditor, or a written acknowledgment of the debt by the debtor.
Happy 2026 @reTIRED banker, thank you for all that you do kahit newbie ako dito, madami ako natututunan and hopefully mas mabawasan ang depression dahil sa cc debt. Cheers to more burgers for the streetchildren...
ReplyDelete💖💖🤗🤗
ReplyDeleteHello po good day, ilatag ko lang po sana ang aking situation... Currently, may utang ako around 3M... composing of utang sa tao, credit cards, personal loans, and utang sa lending apps like home credit. Balak ko po ay unahin muna ang dalawang tao na nautangan.
DeleteNgayon, worried po ako sa security bank ko, around 800k utang sa credit card sa kanila, and I alao have 168k outstanding balance naman sa BPI personal loan, tig 200k sa metrobank, EW, Maya credit card.
I understand na I can ignore calls, however, nag aalala po talaga ako sa garnishment.. I currently work sa university though Contract of service status,, nag woworry ako na baka kapag maging permanent na ako, ay eventually ma hold ang payroll ko, (DBP - Development Bank of the Philippines) though wala ako utang jan.
ito ang mga worries ko:
1. What if multiple banks ay nag push through sa pagkaso?
2. Do I need to attend all of the hearings sakaling magpatawag sila?
3. Currently, I am saving for future settlements, but I am worried baka ma hold ang bank accounts ko...
2 months pa lang akong past due
maraming salamat po and blessed new year!
e3u73f5qu@mozmail.com
Deletep.s.
not available today and Sunday po.
puede next week.
🤗
Maraming salamat po, I already sent an email po.
DeleteHi @ Flyme09 ask lng po sa 2mos past due nyo anu po ginagawa ng bank ? Ako po now pa lang ako nagpast due nagtawag na po kanina nasstress po ako pag tumatawag ako po sa government naman nagttrabaho di ko din po alam amg gagawin
Deletemore on calls, emails and texts po,, government employee rin po.. wala po ako pambayad kaya hanggang kaya, deadma lang
DeleteGood evening po sa lahat at good evening po banker. Defaulter po ako since 2011 isang bank lang at lahat ng pananakot naranasan ko na po at laking tulong po ang page na ito. Salamat retiredbanker...Mam Cherrylou. Last ko po na nabigay sa collector was 2018 at mula nuon hininto ko na gawa ng wala talagang patutuguhan . Wala pa din po ako kakayahan magbayad. Ngayon lang po nag chat sa akin ang pinsan ko po na isang barangay kapitan at ang sabi niya may tumawag daw sa isang kasamahan niyang kapitan din ng barangay kung san po ako nakatira dati nung wala pa po akong problema sa bank. Nagpakilala po itong isang police at ang sabi hinahanap ako dahil may malaking kaso po ako sa Maynila. Tama po ba yun...naranasan ko na po ito dayo siguro 2014 na ganun din pinuntahan barangay ko kung san talaga ako nakatira at yun nga daw may kaso ako. Hindi ko na po kasi sinasagot mga unknown calls po at saka walampa po kasi akong pambayad. Suspetsa ko po talaga na ang tumawag sa kapitana ay collection agen y or collector kasi defaulter po ako pero wala ko akong ginawang ibang mali o may krimen na hinawa po. Ito na namn po ako Mam Cherrylou, kabado na naman huhuhu.
Deletehoping mam cherrylou find time to reply to you. if not,
Deletee3u73f5qu@mozmail.com
Salamat po ...i owe you po burger for the kids.
DeleteWag na po kayo mabahala dyan dahil more than 10 years na po ang pagkaka default nyo. Hindi na po kayo makakasuhan nyan. Pananakot na lang po yan. Chill lang.
Deleten.b.
DeleteArticle 1155, Civil Code:
Actions upon a written contract, obligation created by law, or judgment must be brought within 10 years.
Interruption Grounds:
The period stops and resets when:
1. An action is filed in court.
2. There is a written extrajudicial demand by the creditor.
3. There is a written acknowledgment of the debt by the debtor.
happy new year banker
ReplyDeleteThanks. Hoping for a Blessed 2026 for you 🙏
DeleteHappy New Year banker🎉
ReplyDeleteThanks. You too! 🤗
DeleteHappy New Year Banker!
ReplyDeletethanks! hope you'll have a blessed New Year 🙏
DeleteHello po, please help me
ReplyDeleteGaano po kahigpit si METROBANK sa mga defaulter?
May utang po ako sa card 200k, gaano po sila kadalas tumawag?
Stress na stress na po ako to the point na di na po ako nakakatulog ng maayos😭
Collectors assigned are indeed VERY STRICT - no collect - no commission 😁
DeleteMay harassment po bang ginagawa si collectors?
DeleteNatatakot po kasi ako baka mag eskandalo sa trabaho😢
Mga ilang months po bago ma turn over sa collector ang account?
ReplyDeleteHi Risktaker! Gaya ng lagi sinasabi ni banker, pag wala talagang pambayad "forget the debt but not the lesson."
DeleteNaiintindihan ko ang takot mo kasi same sa nararamdaman ko kahit nagkakalakas ng loob sa dami nakakausap eh di mawawala ang takot kahit ano gawin kasi di naman natin gusto di magbayad, sadyang wala lang talaga maibayad. Napagdaanan ko na ang di makatulog pero ngayon nakakatulog na ako, mas madaming calls and text dahil 4 months na akong overdue, nilipat ko muna sa ibang cellphone yung sim na connected sa bank para nako contact pa rin nila.
Basta di nkabayad ng 3 months
ReplyDeleteNakareceive po ako mismo sa unionbank na text na magooffset sila sa existing deposit accounts ko. Problema ko po doon cinecredit payroll. May nagsabi na automatic offset daw yun pagkapasok ng sweldo. Nung tumawag akp sa unipn, masa rgs at madrid na accpint ko at doon daw akp magnego. Pero nakita konpo dito na hindi po sila dapat ang kausap. Natatakot po ako sa auto offset at mawala sweldo ko. Paano po ang best na gagawin?
ReplyDeleteUnfortunately ang bilis ni unionbank. Naoffset agad sa konting tinira ko. Ano po ang experience niyo? Nakapagnegotiate po kayo?
Deletesa exp ko dun pumasok loan ko from Pagibig, rekta offset at hinold
DeleteGood day po. Ask ko lang po. If legit po ba tong email na nareceive ko from CMAP daw or pananakot lang po?
ReplyDeleteFINAL NOTICE PRIOR TO ENFORCEMENT
FINAL NOTICE PRIOR TO ENFORCEMENT:
This letter serves as your final and official notice regarding multiple criminal and civil violations resulting from your continued failure to fulfill your legal and contractual obligations. Despite previous attempts to reach a resolution, you have remained unresponsive. As a result, this matter is no longer subject to negotiation. Be advised that Branch 60 of the National Capital Judicial Region, Makati City, has issued a Court Order authorizing immediate enforcement measures. The following legal provisions are applicable to your case: Criminal Violations (Revised Penal Code): · Article 315 – Estafa: Committing acts of deceit resulting in financial loss to another party. · Article 316 – Other Forms of Swindling: Engaging in fraudulent transactions. · Article 318 – Use or Possession of False Documents: Utilization or possession of falsified documents. Civil Violations (Civil Code of the Philippines): · Breach of Contract: Non-fulfillment of contractual responsibilities. · Failure to Comply with Lawful Obligations: Violation of provisions under the Civil Code. · Collection of Sum of Money: Non-payment of verified financial obligations. You are hereby given twenty-four (24) hours from the time of receipt of this notice to take immediate and appropriate action. Failure to comply will result in the execution of the court order, which may include but is not limited to: · Seizure of assets and garnishment of property · Enforcement coordination with barangay and local authorities · Additional legal fees, penalties, and collection expenses · Initiation of further civil and criminal proceedings This is your final opportunity to resolve the matter and avoid full legal escalation. To settle this case, please contact the Credit Management Office immediately at 0935-945-9367 and look for Attorney Abraham Ramos II. We urge you to treat this matter with the seriousness it warrants.
We urge you to treat this matter with the seriousness it warrants. Failure to act will lead to immediate and irreversible enforcement action.
Sincerely,
JOHN CLIFFORD VELASQUEZ
Legal Secretary
SCAM ALERT : CMAP is similar to Rotary Clubs 😁
DeleteHi po! Totoo po bang gagawin ni Eastwest po ito?
ReplyDeleteBarangay Coordination for Address Verification: For the sole purpose of verifying or locating your current address, we may coordinate with your local Barangay. Please be assured that, in compliance with the Data Privacy Act of 2012, no details of your account or the nature of your obligation will be disclosed to Barangay officials.
Field Visit by Authorized Service Provider: A field visit may be conducted by our duly authorized third-party service provider, MVP Account Management and Recovery Inc., to confirm your address and facilitate a settlement discussion. This service provider is bound by strict confidentiality and data protection obligations and will present proper identification upon their visit.
Optional conciliation: If you expressly consent, we may request the Barangay to facilitate a conciliation meeting between you and the Bank’s authorized representative to discuss possible settlement in a neutral venue.
Maraming salamat po!
SCAM ALERT : RA 7196 Sec. 48 ; Supreme Court Cir. 14-93
DeleteSalamat po banker. Kung sakali pong merong pumunta ano po pwede kong sabihin sa kanila? Salamat po ulet!
ReplyDeletetell them to research first the above 😊
DeleteGood evening, ano po ang advantage at dis advantage ng IDRP?
ReplyDeleteThank you in advance po sa sagot
It's like beating your head with a rock instead of pebbles.
Deleteadvantages? nada 🤷♂️
Hello po uli
ReplyDeleteIto na naman po ako, asking some advices para mabawasan ang stress na nararamdaman🥺
Possible na po kasing di ko mabayaran ang BDO Credit card ko, nag aalala po kasi ako BDO po ang payroll account namin, possible po bang mag auto debit yun?ano pong pwede kong gawin?😢
https://failuretopaycreditcard.blogspot.com/2025/08/payroll-garnishment.html#comment-form
ReplyDeletep.s.
I have addressed this issue several times to several people but "never returned" what happened afterwards 😁
Goodam. Nag sign po Ako Ng 5years to pay s SB cc di ko pa po kc Nakita to diskarte blog nuon, sa takot pumayag po Ako monthly amortization na 4,687 for 5 years . 2years na po nahulog ko 2024 and 2025. .Ngayon January 2026 do na po Ako nakahilig kc wala.ng job. Paano po kaya dapat ko gawin?.
ReplyDeletee3u73f5qu@mozmail.com
Delete( wish I can talk to you ; except Saturdays/Sundays - Street children po ako) 🙏
Email sent po sir salamat po
ReplyDelete👍
DeleteThankyou so much po , at sa advice na binigay nyo sa kin, @reTIRED banker, napakalaking tulong po nito blog sa tulad namin defaulters . God bless po.
ReplyDeletethank you for the appreciation 💖
Deletehello, may utang kasi ako sa Metrobank CC; way back 2019-2020 ako naging defaulted, okay lang ba na mag open ng payroll account sa kanila (Metrobank)? di naman mahaharang or whatsoever? (P.S.: alam ko po yung technique na withdraw-hin agad ang sahod haha ang worry ko lang ay baka maharang or what)
ReplyDeleteThank you
Normally, the bank would have you in their blacklist file, hence, can be decline.
DeleteHowever, If I were Metrobank, I would encourage you to open one so that we can implement an auto-transfer for your defaulted cc upon opening to flag that account.
🤦♀️
aw ganun po ba banker. sige po noted po thank you. sabi po kasi soon naman ay magiging BPI na ang payroll account once na matapos ang transition nung sa company
Delete👍
DeleteMagandang Hapon po. I hope someone can advised me. Nag attend na po ako ng hearing and waiting for a court resolution since hindi po kami nagkasundo sa compromise agreement. My debt po sa RCBC is 821k. Hindi ko lang po kaya bayaran ng buo but will pay paunti unti. Question ko lang po, if lumabas na yung court resolution for the amount I need to pay, if makapagpay ako continous ng partial payment, magfile pa din po ba sila ng writ of execution?
ReplyDeleteshould you wish: e3u73f5qu@mozmail.com
Delete( only on weekdays though)
😇
Hi po Dylan magask lng po ilang mos po bago sila magfile ng case meron din po ako sa rcbc 500k huhu di po ba sila nagoffer mg mababa
DeleteHello @DepressedSally007, last payment ko sa kanila na MAD ay September 2024. They filed a case nung November 2025.
Delete@dylan hindi po ba sila nagoffer bago magfile ng case? Then pinapabayadan po ba sa inyo ng buo ung 821k?
DeleteKamusta na kaya c ma'am cherrylou?
ReplyDeleteHi,
ReplyDeleteAs discussed, your account is currently endorsed already for possible legal action.
Outstanding balance: 165,708.48
Option 1: Amnesty Program P 68,000 as one time valid February 10, 2026 (closed account)
Option 2: Monthly settlement
P 5,000 as partial payment: 2,500 feb 13, 2026, and feb 27, 2026
P 3,000 MONTHLY once complied for the partial payment.
Once payment is made, kindly send here the proof of payment
Thank you
Regards,
Cleaver Todio
S.P. MADRID CORPORATION
Address: 17th Floor Chatham House Condominium V.A Rufino cor. Valero St, Makati City
Contacts: (02) 7717 5213 | 846 51274
Mobile Numbers: 09190599879
Email: emlegal@spmadridlaw.com
Paano if hindi ako nagcomply sa gusto nila, may nakausap kasi ako na taga SP sabi ko hindi ko pa kaya magbayad. Bayaran ko daw yung 5k kasi endoserd na daw for legal action. Bayaran ko daw half sa 15 at half sa 28.
e3u73f5qu@mozmail.com
Deletep.s
although I am already actively retired, can't help but pity defaulters. kaya lang some I tried to help never naman would call? 😁
Good day, pwde po ba paexplain skin na based sa law pwde lang daw maghabol sila ng utang within 10yrs?
ReplyDeletePrescription period is 10 years but is interrupted by filing a case in court, a written extrajudicial demand by the creditor, or a written acknowledgment of the debt by the debtor.
Delete