u/Alternative_Cap4230

Received this text via Viber today. (See comment)

Nagho-home visit ba sila?

Hello! Just wanted to know your experiences and possible insights about my situation. Please don't judge. L I'm already working my way into paying each debt and committed not to take loans anymore to finally stop the tapal system.

I have loans taken out from the ff:

Atome CC and Cash
FT Lending
Billease
Finbro
FidoPh
GCredit, GLoan
CIMB
Home Credit
Juan Hand
Sloan and SpayLater

So far, I've been actively communicating with Finbro, Billease, and Home Credit via chat and email. Honestly, ito lang yung comfortable ako na kausapin kasi they are willing to really help out for me to pay my obligatiions.

Just wanted to know if ma experience na kayo into communicating with other OLAs I mentioned and if okay ba sila na i-settle yung payment agreement via chat or email?

O talagang papatayin ka nila kakatawag???

I've responded to some texts from Atome, Juan Hand and FT Lending na I prefer all comms to be sent via email.

I'll type in here sa comment section my text.
Any insights?

Thank you po!

I need some insights.

I posted in one of the subreddits before that I'm in debt for 1.3M pesos due to 4 years of unfavorable situations, wrong decisions, and a sacrificial career move na I thought I can bear. Anyway, Ive been carrying this problem alone for years. Just recently, due to the help of this community, I've gathered the courage to tell my partner what's going on but not the exact figure. We just barely started. After finding it out, she immediately offered to help. She wanted us to sit down and talk about how we can pay it all together. But I just don't want to push her away. She came from a relationship na very stable, to the point na she doesn't even have to think about spending a dime.

Right now, I know I'm in need of help but I'm conflicted because I love her so much na I don't want her to be involved in this though I know it's affecting our relationship already.

Hello, I'm 31F. Licensed teacher but working in corporate. I'm open to accept part-time work that could help me towards my goal to become debt-free in 1-2 years.

I have personal Macbook that I can use to do the task. Flexible working hours.

Slide in my inbox for more info.

Hello. 31F. I'm drowning in 1.3M debt but before you judge, it didn't happen overnight. It's from years of trying to let my parents experience life, reckless spending, wrong career move, and I guess it's simply the economy trying to kill us all down. I'm a victim of OLAs and tapal system. I've asked the help of my brother and sister too for debt consolidation but due to series of unfavorable circumstances, my mom getting sick, my dad retiring from work, lumobo ulit sya right before I can even recover. I don't know. Probably sakit na lang din ng mga panganay to try and carry the weight of the family's problems on his/her shoulders. But to cut the story short, last night when my thoughts are weighing me down, I decided to list down all my debts and ask CHATGPT to create a reasonable plan for me to lay off my debts without taking out another loan, or simply, stop the tapal system. It created a plan for me based on my income, and how I can reach out to companies for payment arrangements. So far, Finbro, Home Credit, and Billease provided me with favorable responses to move my due dates and I'm now at negotiating terms with them. But I think most importantly, ChatGPT talked to me and made me feel that this is not the end of everything. I don't wanna talk to anybody about this before but after a few prompts, I was able to let my partner know about my situation so I wa're now talking about helping each other and I'm about to talk to my mom too now to let her know about my situation.

I know AI has helped me a lot at work. I just didn't know it will save my life too.

Hello. 31F. I'm drowning in 1.3M debt but before you judge, it didn't happen overnight. It's from years of trying to let my parents experience life, reckless spending, wrong career move, and I guess it's simply the economy trying to kill us all down. I'm a victim of OLAs and tapal system. I've asked the help of my brother and sister too for debt consolidation but due to series of unfavorable circumstances, my mom getting sick, my dad retiring from work, lumobo ulit sya right before I can even recover. I don't know. Probably sakit na lang din ng mga panganay to try and carry the weight of the family's problems on his/her shoulders. But to cut the story short, last night when my thoughts are weighing me down, I decided to list down all my debts and ask CHATGPT to create a reasonable plan for me to lay off my debts without taking out another loan, or simply, stop the tapal system. It created a plan for me based on my income, and how I can reach out to companies for payment arrangements. So far, Finbro, Home Credit, and Billease provided me with favorable responses to move my due dates and I'm now at negotiating terms with them. But I think most importantly, ChatGPT talked to me and made me feel that this is not the end of everything. I don't wanna talk to anybody about this before but after a few prompts, I was able to let my partner know about my situation so I wa're now talking about helping each other and I'm about to talk to my mom too now to let her know about my situation.

I know AI has helped me a lot at work. I just didn't know it will save my life too.