155k in Debt from OLAs and BNPLs

26M, minimum wage earner lang. I just discovered this community and I finally found relief. Hindi lang pala ako nagiisa. Please allow me to share my story and my current OLAs. Wala akong mapagsabihan tungkol sa lumubo kong utang dahil sa kakatapal.

I am currently 155k in debt. Just like a lot of people here, lumaki sya dahil sa tapal system. Kasalan ko naman aware ko don. Sana lang talaga narealize ko agad na maling mali ang umutang para lang ibayad sa ibang utang, kasi eventually it became a loop, and ang hirap makawala.

Last night, naglakas loob na ako na ilista lahat ng utang ko. I have debts from these entities:

• SPaylater - 1,700 (malapit na matapos, priority ko)

• SLoan - 10,000 (total of 3 loans, malapit na matapos yung 2, target to close this year)

• GLoan - 15,000 (total of 2 loans, target to close this year)

• GGives - 3,500 (total of 2 loans, possible mag due yung isa pero mga 3 days lang naman)

• Maya Credit - 5,500 (pinapaikot ko ito, planning to pay eventually once ma-close ko ang iba)

• Atome Credit - 7,500 (total ng bills, around september and last payment, prio ko din. will delete my account here once ma close ko, grabe dito ako na-adik)

• Atome Cash - 11,000 (total of 3 loans, possible mag overdue yung isa)

• TALA - 10,500 (same with Maya credit, pinapaikot ko lang hanggang mabayaran ko eventually)

• JuanHand - 24,500 (total of 7 loans, last payment na yung 3 this June, pero possible mag OD yung iba)

• Peso Loan - 3,800 (2 payments nalang, first to close ko ito this June)

• Pinoy Peso - 12,000 (na scam ako nito, halos half lang yung na receive ko, contacted them to nego na ibalik ko nalang yung nadisbursed pero ayaw pumayag nung CS na nakausap ko, so least priority ko, bahala yan sya, OD na ito sa 31)

• Mega Peso - 6,000 (no payment yet, pero planning to OD)

• OLP - 2,000 (no payment yet, pero planning to OD)

• Pita Cash - 1,500 (no payment yet, pero hopefully pumayag Sila na madelay ako ng 1 week huhu)

• Mr. Cash - 3,500 (no payment yet, pero planning to OD)

• XL Kash - 6,500 (same Kay Pinoy Peso, around 3k lang nareceive ko dito, no payment yet, planning to OD)

• FT Lending - 12,300 (total of 2 loans, planning to OD na, sorry FT alagaan ko sana kayo pero diko na talaga kaya huhu)

• MocaMoca - 18,000 (actively coordinating sa kanila for restructured payment and schedule. So far sobrang accommodating, hopefully pumayag sila sa latest proposal ko).

All in all, 6 dito yung io-OD ko for the time being starting this June. Yung iba mga days or weeks lang maOOD pero babayaran ko naman pagkasahod basta may matira sa pera ko. NO MORE TAPAL SYSTEM na!!!!!

Nakaready na ako for survival. Deactivated my accounts. Planning to inform my friends and family, as well as my workplace kahit nakakahiya kasi I want to be accountable din naman. Put my phone in DND since I don't plan to change SIM and deactivate, gusto ko mareceive text messages nila so if ever may harassment, I can have evidence for complaints. Kung mag HV man sila, I-welcome ko nalang sila sa bahay. Para na din magkaroon kami ng maayos na paguusap. Good thing, naka apartment ako. I-inform ko nalang din siguro roommate ko with my situation.

I have already hit rock bottom before. I have already lost my dignity before. I've seen worse. So alam kong kakayanin ko ito.

Padayon po para sa ating lahat. :)

Thanks for reading po and approving my post.