UnionBank Credit Card Small Claims
Hi po,
I have UB credit card debt amounting 116k, and Im been delinquent since October 2025.
Dahil sa maling financial handling, unexpected happenings, financial issues and all hindi ko na mamanage ng tama ang mga CC and loans ko, lahat sila defaulted na. Im earning at least 40k a month and napupunta lang siya sa pang bayad ng bills, house responsibilities and other debts. Wala akong property na pwedeng ibenta.
I just receive a court summon for small claim vs UB and I believe legit siya since taga Metropolitan Trial court po ang nagdeliver nung summon letters along side ng mga documents, he mention I dont need an attorney and mas okay daw pong pumunta for the judge to help me, as off now wala akong means of way to pay them and ayaw ko na gawin yung “tapal system” since I realize isa ito sa reasons bakit ako nalubog sa utang. And I know mali pero I choose to ignore all calls coming from unknown numbers kasi alam kong mga taga collection agency sila, it give me anxiety and stress, but I send emials naman po once in a while, in fact twice ako nagemail kay UB and hindi ako nakareceive ng response if meron I might overlook it again my fault. Ilang days na kong nakikipagusap kay ChatGPT ng mga dapat kong gawin at ihanda, pero hindi parin mabawasan kahit konti yung kaba ko sa pwedeng manyari.
Any advise po? I actually planning to call UB, good move po ba ito and if ever na tawagan ko sila at hindi naman okay sa situation ko yung offer nila whats next?