ODs OLAs—-
I stopped the tapal system and now everything is overdue. I’m pregnant and honestly overwhelmed.
I borrowed from several OLAs/apps like JuanHand, Finbro, Big Loan, XLKash, Tonik Digital Bank, GCash GLoan/GGives, TikTok Cash Loan, and Shopee SLoan/SPayLater.
Before, I kept doing “tapal” — borrowing from one app just to pay another. At first I thought I could manage it, but eventually it became a cycle that only made my situation worse.
A few months ago, I decided to stop borrowing completely because I realized I was sinking deeper into debt. But now that I stopped the tapal system, some of my loans became overdue and the collection messages are nonstop.
Some collectors are sending:
- scary texts
- “final demand letters”
- threats about legal action
- barangay visits
- house visits
- collection agencies
Honestly, it’s giving me severe anxiety.
I’m pregnant right now and trying to prioritize my health and my baby, but mentally and emotionally I feel exhausted. I barely sleep because every notification or unknown number makes me panic.
I’m not refusing to pay. I fully acknowledge my obligations and I do plan to pay little by little once I recover financially. I just genuinely cannot keep up anymore after stopping the cycle of borrowing.
Has anyone here experienced the same situation with OLAs?
- Did the harassment eventually stop?
- Did they really visit your house or barangay?
- How did you recover financially and emotionally?
- Were you able to negotiate payment arrangements?
Please don’t judge me harshly. I already know my mistakes and I’m trying to fix them slowly. Right now, I just badly need advice, encouragement, and maybe stories from people who survived this situation.