u/pistachiomacadamia

I have a ₱1.6M BPI credit card debt that grew from around ₱600k because I kept paying only the minimum due. I haven’t been able to pay for the past 5 months because I’m currently unemployed.

I’ve also been in and out of the hospital and recently lost my baby, so my mental health has been really affected. I received a message from SP Madrid & Associates Law saying they will file a Notice of Demand for Payment.

I want to settle my debt, but they’re asking for over ₱30k a month, which I simply can’t afford. Has anyone been in a similar situation? What happened, and what are my options?

I currently have a 2-star Taylor. Is it worth buying more shards to get her to 4 stars, or should I save my Gold Bricks for the Season 1 Black Market? I don’t mind spending more money—I just want to spend it on the best value.