I used to have a 3 credit cards; Citibank, HSBC, and BPI... but when my husband and I separated last 2008, I was not able to pay them... Total balance for the 3 would reach close to 100k...
I received lots of demand letters and collection calls. There are times wherein there are collection agents and even uniformed policemen who went to my apartment, but since I am working, they were not able to talk to me. However, my daughter told me that they were informed of the details of my debt... even told her that I might go to jail if I will not pay. My daughter (she was 9 y.o. then) cried and was so embarassed because even her playmates knew of my debts. Apparently, the collectors even spoke to my neighbors. They were able to get the cp number of my next door neighbor and would text her to ask if I am at home on particular days. There was even a time when my neighbor would forward to me the texts messages from the collectors. I managed to talk to one of lawyers (daw) from the collection agency. We had a deal. We met 3 times for sex, in exchange for the stopped collection letters and calls.
Fast forward... 5 years has passed. My daughter is already in high school.
I still live in the same address. I still work in the same office. The demand letters and collection calls has stopped already... except for one... Citibank. Maybe that one was not covered by my deal with the collection lawyer. I still receive demand letters from Citibank every other month. My outstanding balance now stands at P208k.
I don't know what to do with it. I am just hoping that they will grow weary and stop sending those letters.
Usapang Utangan
in Legal
Posted
I used to have a 3 credit cards; Citibank, HSBC, and BPI... but when my husband and I separated last 2008, I was not able to pay them... Total balance for the 3 would reach close to 100k...
I received lots of demand letters and collection calls. There are times wherein there are collection agents and even uniformed policemen who went to my apartment, but since I am working, they were not able to talk to me. However, my daughter told me that they were informed of the details of my debt... even told her that I might go to jail if I will not pay. My daughter (she was 9 y.o. then) cried and was so embarassed because even her playmates knew of my debts. Apparently, the collectors even spoke to my neighbors. They were able to get the cp number of my next door neighbor and would text her to ask if I am at home on particular days. There was even a time when my neighbor would forward to me the texts messages from the collectors. I managed to talk to one of lawyers (daw) from the collection agency. We had a deal. We met 3 times for sex, in exchange for the stopped collection letters and calls.
Fast forward... 5 years has passed. My daughter is already in high school.
I still live in the same address. I still work in the same office. The demand letters and collection calls has stopped already... except for one... Citibank. Maybe that one was not covered by my deal with the collection lawyer. I still receive demand letters from Citibank every other month. My outstanding balance now stands at P208k.
I don't know what to do with it. I am just hoping that they will grow weary and stop sending those letters.