Need advice. Baon sa Utang.
Hello. Silent reader here for a long time. I finally come to a point na hindi ko na talaga kayang ipagpatuloy pa na bayaran yung utang ko with the current monthly payment na ginagawa ko. So far wala pa naman OD sa mga utang ko. Baka this month pa lang.
UB Personal Loan - 300K - 5-year term. Paid for 12 mos. = 8,924 monthly payment
Metrobank - 200K - 3- year term - paid for 6 mos. = 8,056 = monthly payment
GLoan - 120K - 2-year term - paid for 3 mos. = 7,388 monthly payment
EasWest CC - 128K - I can only pay the minimum due - 5K
Union Bank CC - 30K - minimum due is 2K, but paying 5K (from 40K down to 30K)
Got scammed kaya nagkautang ako sa EasWest CC. Okay yung finances ko before. Nagstart lang masira ang pagmanage ko ng finances ko when my got sick. Pabalik balik kami sa hospital and she died later on. Nawalan ng direction yung buhay ko when my died. Yung paggastos ko hindi ko na namanage ng maayos. Wala akong bisyo and I'm still single. Salary ko lang source of income ko and around 40K lang sahod ko.
Wala akong intensyon takbuhan yung obligation ko pero nakakapagod lang talaga yung hindi mo alam paano pagkakasyahin yung sahod mo for needs and for pambayad utang.
I just need advice if pwedeng makipagnegotiate sa banks na kung pwedeng gawing 5K monthly yung payment ko para makayanan ko makapagbayad ng tuloy tuloy? Possible kayang may mag-agree na bank?
I'm already experiencing sleepless nights and was actually diagnosed with general anxiety disorder. I'm on medication na. Feelin ko kaya ako nagkaanxiety dahil sa kakaworry ko sa mga utang ko. Wala rin akong mapagsabihan ng problem ko and some of my relatives are also asking money from me kaya wala akong mahingian ng tulong.