u/Username-created-123

Honestly, I am in an awful financial situation right now. I am with a client na dati 40+ hours, ngayon 30-35 hrs nlng (or would sometimes ask me na 15 hrs lang for a week) kaya lalo akong nahihirapan. My skillset are not that great tbh, tapos di pa ganun ka special yung tasks sakin ni current client kaya wala talaga akong something special para sa direct client. Current client’s business is also not doing great, and I know anytime pwede nila akong bitawan na walang notice just like what they did sa onsite colleague ko na backbone ng office. I have been looking for a direct client since Oct last year kaso wala talaga eh, kahit 3USD/Hr di pa rin ako tanggap.

I am planning to reapply sa MMM, kahit mag leave ako ng 1 week sa current okay lang kesa mabakante ako, malulunod na talaga ako. Also been reading na sa current agency ko may mga na EOS na almost a more to more than a month wala pa ring CI, which is making me really anxious.

I can use my cousin’s laptop, para 2 na devices ko.
Honestly, grabe na yung down time ng current client ko, I have been busying myself with other tasks nlng kesa matapos ang araw na wala talaga akong ginagawa.

I’ve been OD on 4 credit cards for 4 years now. 3 years paying the min amount and the 1 year of letting it all go.

Security bank 500k
EW 200k
UB 35k
BPI secured CC 4k

I work as a VA and due uncertainties, I was only earning around ₱20–30k/month (as reflected in my ITR), but I’ve recently been able to recover a bit financially due to having multiple clients.

I also have other obligations: OD loans sa OLA, an ongoing UnionBank personal loan, and a UnionBank credit card that I’m already paying monthly under an agreed payment arrangement with a collections agent. However, I still keep receiving emails about the overdue PL and CC accounts sa UB.

My question is: should I include all of these in an IDRP application, even if I already have an ongoing payment agreement for some of them?

I’m a bit confused about this, sorry. I agreed to a monthly payment term with a CA agent with UB, but I’m unsure if that already counts as “settled arrangement” or if it should still be part of the program.

I’ve really been through a lot,multiple hospitalizations, a typhoon/disaster situation causing us our family home, and a family death and kargo ko lahat. Feel ko IDRP is my only chance talaga and reading posts in this thread made me feel na may hope pa ako. I need enlightenment if applicable ba sya sa situation ko, kasi the only reason why I am holding on is ayokong iwanan ang nanay ko sa responsibilidad na ito