Pinoy ako pero I never praktis Utang na Loob.... when I try to help anybody and they start to say those... I tell no, you don't have any utang na loob... meron kang utang (na pera) pero you're paid when you pay it up.

When I do incur same scenario, I explicit tell them, na "wala akong utang na loob sa iyo" because I don't believe and practise it!