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u/Indifferent-Salad143

▲ 1 r/utangPH

Need advice pls

Hi everyone, badly need advice and insights sana, especially from people na naka-experience na dealing with collections and credit card debt here sa PH.

I currently have huge debts from multiple credit cards, GCash, Maya, SLoan, Lazada, and personal loans. I’m trying my best naman to pay little by little and makipag-coordinate sa collections agents kahit sobrang stressful na and honestly affecting my mental health. I know it's my fault kaya I am trying my best to face it. Gusto ko lang malaman paano siya ma-handle realistically.

My biggest concern right now is my RCBC credit card na nasa 300k+ na yung balance. Sinabihan ako ng collections na kailangan ko daw magbayad ng around 28k within 3 days bago sila pumayag sa staggered payment arrangement. Otherwise, ipapasa na daw nila sa “legal.”

Questions ko sana:

1.Kapag ba nasa legal na, automatic ba na full payment agad ang hihingin?

2.Can I still negotiate for restructuring or better payment terms kahit nasa law office/legal department na?

3.May naka-experience na ba here na nakapag-negotiate ng lower downpayment or mas manageable installment setup with RCBC or their collections agency?

I genuinely want to settle my obligations responsibly, pero hindi talaga realistic for me yung 28k in 3 days. And ayoko na magloan to patch up loan because this is where it all started. I’m trying to find a setup na kaya kong panindigan consistently.

Any advice or shared experiences would really help. Thank you so much.

reddit.com
u/Indifferent-Salad143 — 3 days ago
▲ 25 r/ENovellinks+3 crossposts

Chapter 1

After Ethan Whitmore died in a car accident because of me, I stayed single until I turned thirty.

My elders worried, my friends tried to comfort me, and even he showed up in my dreams begged me to move on.

So I agreed to a blind date, planning to finally say goodbye to him at the cemetery that night.

But as soon as I left the cemetery, I came across a post online.

[Sixth anniversary, and my husband bought me another penthouse!]

Looking at the photo, my whole body trembled, a chill ran down my spine.

In the picture, my boyfriend, the man I had buried was leaning his head gently against another woman.

I went to the address listed and knocked on the door. The moment our eyes met, I froze.

That woman was Aria Crane, the secretary Ethan had cheated on me with, the one he fired six years ago.

u/Indifferent-Salad143 — 8 days ago
▲ 2 r/Findfreenovellinks

1.Chapter 1 She's Finally Moved On

At a private hospital in Irisport, Alicia Delaney lay in bed, her gaze unfocused as she stared out the window.

She never expected to travel to the past after dying.

Suddenly, a notification rang out, snapping her back to reality. She picked up her phone to check it.

It was a link to a trending topic that had blown up a few hours ago, sent by her assistant. She tapped on it.

It read: [Nicole Hammond's concert not only had top idol Nicolas Moore as a special guest, but the VIP section was packed with even more big names!]

The post started by gushing about how amazing Nicole's two songs were and how insanely popular she was.

Then it showed a few photos of Nicolas and Nicole singing together on stage.

Finally, it included pictures of the VIP section, where some of the biggest names in the industry were sitting.

There was up-and-coming director Caleb Hammond, Hammond Group CEO Kevin Hammond, top investor Austin Hammond, Delaney Group CEO Collin Delaney, and esports superstar Maxwell Delaney. All of them were big shots.

Alicia scrolled down and tapped on the comments. As she had expected, besides all the praise for Nicole, there were plenty of negative comments toward her.

Alexrow: [I've been saying Nicole is the Hammond family's little princess, and some people didn't believe me. But look at all these VIPs here tonight. This is the best proof.]

Matt_hill: [Gotta say, the Hammond family really dotes on Nicole. All three brothers showed up to support her.]

Jasonlee77: [Nicolas, Maxwell, and Collin are all super close to Nicole too. They totally spoil her.]

Lucas_w: [I wonder if that clout-chasing wannabe is feeling embarrassed right now after seeing this trending topic.]

Quietjon: [No idea if she's actually embarrassed, but she's probably burning with jealousy and envy, totally losing it right now.]

Latecoffee: [She really had the guts to claim she was the Hammonds's daughter, Nicolas's childhood sweetheart, and Collin and Maxwell's cousin.]

Bluewindow: [None of them showed up for her performance yesterday. She got smacked by a stage light, and not one of them visited her in the hospital. But today, they all rushed over from everywhere just to support Nicole's concert. Honestly, the secondhand embarrassment is real.]

Oldcam: [Yeah, she's in the same company as Nicolas, but I bet he doesn't even know she exists.]

Sundaynoise: [She's totally desperate to be famous.]

Softstatic: [Nicole's just too nice. She didn't even make a fuss when Alicia pretended to be the Hammond family's daughter.]

Halfawake: [If Nicole wanted, with all these big shots backing her up, she could get that clout-chaser blacklisted in a heartbeat.]

Afterten: [Blacklist her? She's already so hated. She'll probably end up getting herself booted from the industry soon enough.]

Lowbattery: [She loves the drama and the clout. No way she'd give that up. I just wish she'd leave LUMIA already and stop holding the other girls back.]

stillonline [Same question every day. When is Alicia finally leaving the group?]

In her previous life, seeing this trending topic and all those comments hit Alicia hard. After she got out of the hospital, she even confronted those people she thought were important to her and caused a stir.

But now, she was totally chill. She didn't care about them anymore.

She was really a Hammond, also Kevin, Caleb, and Austin's biological younger sister. She was Collin and Maxwell's cousin and Nicolas's childhood sweetheart.

Nicole was just Alicia's stepmother's daughter, who took the Hammond name, but Nicole wasn't actually related to any of them by blood.

Next, Alicia logged into her X account. Aside from a handful of fans asking how she was doing after the accident, the rest were just a flood of hate comments.

People were roasting her for going to the hospital and supposedly screwing up LUMIA's upcoming shows.

They asked her to quit the group and stop dragging the other girls down.

Alicia's entertainment company and her agent didn't give her any support or issue any announcement. They just watched the drama unfold and didn't do a thing.

Just then, Alicia's phone lit up with a call from Kevin, her oldest brother.

Alicia picked up and said, "Yeah?"

Kevin's voice came through. "Nicole told me you got hurt. You alright?"

Alicia let out a sarcastic laugh. "It happened yesterday, and you're just asking now?

"And you wouldn't have called if Nicole hadn't told you, huh? You're such a great brother."

Alicia knew Nicole had told them on purpose, not out of kindness, but just to get under her skin.

After all, Alicia had asked them to come to her show, but none of them bothered to show up. She got hurt, and they didn't even notice. It really stung.

Kevin was silent for a few seconds, then he spoke up, "Which hospital are you at? We'll come to see you."

Alicia replied coolly, "Don't bother. I wouldn't dare trouble you."

u/Indifferent-Salad143 — 12 days ago