We Used It ; We Should Pay It

Comment No. 1

...pero banker, wag po kayong mmagaglit ha, kasi base sa aking obserbasyon parang tinuturuan nio ang mga tao na wag bayaran ang utang,wag intindihin, pabayaan lang,comment ko lang po sa lahat ng nagbabasa ng colum na ito, lahat po tayo may problema kaso sana icipin din po natin na utang po iyun na dapat po din nating bayaran,kasi ginamit po natin yun,nakatulong din po iyun.wat im trying to say is dapat nasa plano din natin na bayarn ang ating mga utang, hindi nga lang sa ngayun kundi balang araw kung saan kaya na natin i-budget base sa ating income..
Thursday, October 30, 2008 8:02:00 PM PHT

Comment No. 2
hi banker...after reading all ur comments and answers, i just thought that 1 lang ang tnutumbok nyong answer na OK lang mangutang kahit d k na magbayad?..lalo n sa mga CC...tama po ba?

Tuesday, October 28, 2008 3:21:00 PM PHT

REPLY:


The bank ( especially COLLECTORS) responsible for these unconscionable lending practices takes refuge under religiously-mandated self-sacrifice to atone for the sin of borrowing unwisely. But lending money under this situation has in fact incurred the ire of the Prophets:

Ezekiel 18:13
“Hath given forth upon usury, and hath taken increase: shall he then live? he shall not live: he hath done all these abominations; he shall surely die; his blood shall be upon him.”

Many has fallen into this trap.
"I want to pay because I used it".
who is collecting? the bank? nope. Its the collector, who would harassed you to get their commission.
If the bank has forgiven you,the collectors wont, for reason of greed - Hey, its not even their money you owe. Would you be willing to pay your neighbor instead just because you owe money from the bank?

" Anak, 'wag ka muna mag-enroll,kasi I have to pay our debts"
" Anak, sorry, la tayo ulam ngayon, kasi binayad ko sa COLLECTOR!"

If you can live with that, go ahead. Prioritize their greed instead of your need.
all because of PRIDE.

Try negotiating with the Collectors and you will understand what I mean.

Debt is a humbling, not humiliating, experience.

Hinde po ako galit. I just pity the children.

Source: http://failuretopaycreditcard.blogspot.com/2008/06/immoral-debt.html

1st EB Convention

Definitely one of the happiest moments of my life meeting and seeing you all for the first time looking less worried! Worth waking up early morning at 3am for my flight and being sleepless in over 24 hours for my return flight back home! Enjoyed every minute with you


To Ms Hopeful,our coordinator and the EB girls/Secretariat - Arvee,Dalja,Jinky Louisse,Sharon& Weng (in alphabetical order)


For those who were not able to make it:

Sir, Bakit Po Kayo Nagagalit?

A collector called, only to say those nasty things about me being a "bad" debtor, kapal ng mukha,etcetera,etcetera,and,etcetera.

Instead of crossing his verbal path, I deflected back what he was saying. Like an innocent and in a childlike voice I asked him - "Sir,bakit po kayo nagagalit?"

From that moment on ,he was giving me all the excuses and did all the explaining to
me, instead of me explaining why I cannot pay.

cheers!

Paranoia and Common Sense

Fear can be described by different terms in accordance with its relative degrees. Fear covers a number of terms - worry, fright, paranoia.
Paranoia is a term used to describe a psychosis of fear, related to perception of being persecuted-Guilt. This perception often causes one to change their normal behavior in radical ways, after time their behavior may become extremely compulsive.
Mind goes numb. The sight of a lion mesmerizes the deer; it is transfixed, forgets galloping and gets killed. People lose common sense.

Did you remember the last time collectors sent an SMS saying you have a warrant of arrest? You froze. It never entered into your mind that if they inform you before hand, IF IT IS TRUE, di natago ka na?
They will file a case, they will imprison you! Really? There are 500,000 accounts out there, would you know what will happen if they file 500,000 cases and imprison all of them?
Note: As of May 2008 the country’s jail population is 61,025.

Who Are The Scam Artists?

They pretend. In fact, gugulatin ka nila about legal terms
(without themselves understanding the meaning).You become
defensive, believing they can control your life,just because
you have an utang.
Who are they?

Tip:they are at our wordpress site.