u/ElliahBA_0430

It’s been a while since my last post. I’ve been busy with work and life lately, and honestly, parang bumabalik na ulit yung dating buhay ko.

Hindi pa fully paid lahat, pero compared to myself 3–4 months ago, mas magaan na yung pakiramdam ko ngayon.

For this post, I just want to share a lesson I learned recently.

One big realization ko sa pag-stop ng tapal system: kapag sinabi mong stop, dapat completely stop talaga. No more reloaning. Magbabayad ka na lang kung ano kaya mo, pero hindi ka na uutang ulit para ipambayad din.

Tbh, akala ko dati naka-stop na ako, pero may dalawa pa akong active OLAs — Mr. Cash and Cashify. Dalawa lang sila pero grabe yung drain sa finances dahil sa interest and reloan cycle. Napaisip ako, what more pa kaya sa mga mas marami pang active OLAs habang tuloy pa rin ang reloaning?

Sobrang takot din ako before kay Mr. Cash dahil sa possible text blasts and calls sa references. But eventually, na-overcome ko rin yung fear na yun after talking honestly with my reference, who is also a family member. I felt at that time, I needed to stop and let it overdue or else mauubos talaga yung pera namin sa pagbabayad sa napakalaking interest.

I know it’s still my responsibility to pay, but when you compute everything, parang bayad ka na rin talaga sa kanila sa sobrang laki ng fees, interest, and charges na pinapataw nila.

Nung nag-stop ako completely, and nag-focus sa legal obligations ko, doon ko naramdaman yung breathing space. Hindi na puro survival mode yung sweldo ko, and nae-enjoy ko na ulit kahit papano yung pinaghirapan kong pera.

Hindi pa tapos yung journey ko, pero malayo na compared before.

Laban lang tayo! 🫡

Lately, may mga posts na lumalabas na somehow extreme, like sinasabing pinuntahan daw ng CIDG or barangay, tinawagan ng PNP. May instances din na may mention ng suicide, which is a very very sensitive topic. Pero if you take time to check some of these profiles, mapapansin mo na bagong gawa, walang history, or hindi consistent yung activity, so alam na yung intention behind the post.

This sub was created to help people dealing with real OLA harassment. Sharing legit experiences, giving support, and helping each other stay calm and informed. Hindi space para sa pananakot, panlilinlang, or paggawa ng kwento na lalo lang makaka-trigger ng anxiety ng iba.

If we are posting here, let’s be responsible. Mga totoong tao yung nagbabasa dito, yung iba already stressed and vulnerable.

And for everyone else, okay lang maging skeptical. Check profiles, check patterns, and don't take everything at face value.

Let's protect this community. 🫡

I just want to share a win today. This may seem small sa iba, pero for me, big win siya kahit paano.

For 12 months, I’ve been paying 5K every single month for a 40K cash loan, na feeling ko hindi ko rin nakuha in full dahil sa deductions. 🙄

Today… I finally made the last payment!! 🙌

Not gonna lie, ang bigat niya. The interest was painful, and there were times na napapaisip ako bakit ko pinasok to. But at that time, I needed it, and somehow, it got me through.

Now, tapos na siya. 😮‍💨

No more 5K deduction every month for this loan. Ang gaan sa feeling.

I still have other active loans that I’m working on, but this one feels like a big win—parang isang chain na natanggal.

If you’re currently stuck paying off something month after month, this is your reminder: MATATAPOS DIN YAN. 💯