What Are You Thinking About?

[shadow]

Ako baliktad, since we are not married, my partner's debt has no impact on me financially/legally so I probably will not help. If I were to help, depende how the debt was incurred kung dahil ba sa hospitalization or education etc. Otherwise, mapapaisip ako if I wanna be with someone who gets into credit card debt. If I help e di parang I am tolerating.

Credit cards are supposed to be paid full balance every month. I worked in cards pala early in my career and it is really frustrating the amount of people that let their cards revolve (not paying full balance esp just the minimum due, ibabaon ka talaga nyan) I should be happy because that's money for the bank but I'm not. Don't get mad at me H1tman

Sent from my SM-N960F using Tapatalk

But it will put strain sa relationship nila kung hinde niya tutulungan, kung kaya niya bayaran, I'll say bayaran nga niya para matapos na yan.

It's a lesson learned I think. Siya na lang ang hulugan ng partne niya instead na sa bank


Sent from my iPhone using Tapatalk

[H1Tman]

Ako baliktad, since we are not married, my partner's debt has no impact on me financially/legally so I probably will not help. If I were to help, depende how the debt was incurred kung dahil ba sa hospitalization or education etc. Otherwise, mapapaisip ako if I wanna be with someone who gets into credit card debt. If I help e di parang I am tolerating.

Credit cards are supposed to be paid full balance every month. I worked in cards pala early in my career and it is really frustrating the amount of people that let their cards revolve (not paying full balance esp just the minimum due, ibabaon ka talaga nyan) I should be happy because that's money for the bank but I'm not. Don't get mad at me H1tman

Sent from my SM-N960F using Tapatalk

I get your point. The debt was "aggravated" when her younger brother was hospitalized 3 years ago. She spent for his medicines and supplies.

She is not asking for help naman but I see her bills and I know it will only get worse.

[shadow]

I get your point. The debt was "aggravated" when her younger brother was hospitalized 3 years ago. She spent for his medicines and supplies.

She is not asking for help naman but I see her bills and I know it will only get worse.

It doesn't matter kung saan nagamit, Andyan na yan kahit sa shopping pa nagastos yan.

If you can help in whatever ways, sabi ko na kung kaya mo bayaran na lang then ikaw na lang hulugan niya para wala interests.


Sent from my iPhone using Tapatalk

[H1Tman]

^Thanks for the brotherly advise mga bro. Iba talaga mag-isip ang lalaki at babae.

[_Cathy_]

I get your point. The debt was "aggravated" when her younger brother was hospitalized 3 years ago. She spent for his medicines and supplies.

She is not asking for help naman but I see her bills and I know it will only get worse.

If that's the case then I'd help out especially if she is not maluho naman (like spending money on unnecessary stuff like shoes, bags, makeup, clothes or jewelry)

Sent from my SM-N960F using Tapatalk

[Wh1stl3r]

Should I negotiate payment for my partner's credit card debt?

Bro, if you've known her for a long time already and there are no telltale signs of bad spending habits I'd do it.

But I understand Cathy's apprehension din. Had a gf before na parang butas ang bulsa. I would not do it if I don't know my partner well enough yet.

[TsekwangBakla]

Should I negotiate payment for my partner's credit card debt?

Nasa banko pa ba or collection agency na?

[shadow]

Bro, if you've known her for a long time already and there are no telltale signs of bad spending habits I'd do it.

But I understand Cathy's apprehension din. Had a gf before na parang butas ang bulsa. I would not do it if I don't know my partner well enough yet.

But nag live-in na sila. Her financial problems is essentially hitman's problem na rin.

Mahirap naman na masira sila just because of utang sa card kung kaya and pwede naman ayusin.

I think magiging lesson na ito sa kanya.

Sa akin help her and kahit maghiwalay na kayo at least you gave her a fighting chance to live her life kesa masira credit niya and maging limited na pwede niya gawin.
Sent from my iPhone using Tapatalk

[_Cathy_]

But it will put strain sa relationship nila kung hinde niya tutulungan, kung kaya niya bayaran, I'll say bayaran nga niya para matapos na yan.

It's a lesson learned I think. Siya na lang ang hulugan ng partne niya instead na sa bank


Sent from my iPhone using Tapatalk

H1tman said naman that it was due to hospital bills so I would help BUT I stand by my opinion na if it was because of unnecessary spending, I will not help. In fact, I would probably break up with someone who gets into credit card debt from shopping, so there would not be a relationship anymore So many people have told me that money is the number one cause of issue in marriages. I don't wanna be with someone who does NOT know how to manage his or her finances kasi damay ka sakit ng ulo. Ayoko naman na pag may asawa na ako, ako na lang taga ayos ng financial mess niya, Hindi lahat ng tao may sobra sobrang pera. Imagine if both are just employees earning enough money for expenses diba?

But I understand Cathy's apprehension din. Had a gf before na parang butas ang bulsa. I would not do it if I don't know my partner well enough yet.

Big red flag sakin ang gastador at materialistic. I guess for some okay siya kasi motivation to earn more pero I would rather be with someone simple

[CVT]

common law wife

In that case bro, same opinion as docd and bro.shadow

[shadow]

Nasa banko pa ba or collection agency na?

Ito rin kung sa collection agency na huwag mo na sila kausapin at Bayaran, sayang lang pera mo sa mga yan.

Talk directly to the bank kaya prepare ka na babayaran mo na ng buo kung kaya alisin mga penalties and charges.


Sent from my iPhone using Tapatalk

[_Cathy_]

^Thanks for the brotherly advise mga bro. Iba talaga mag-isip ang lalaki at babae.

pero sabi ng iba para ako lalaki magisip haha! I guess mga lalaki kasi innate na maging savior/protector kaya karamihan dito would say to help regardless of the reason for debt

Nasa banko pa ba or collection agency na?

yang collections kung maningil talagang nakaka pangliit ng pagkatao yan.

But nag live-in na sila. Her financial problems is essentially hitman's problem na rin.

Mahirap naman na masira sila just because of utang sa card kung kaya and pwede naman ayusin.

I think magiging lesson na ito sa kanya.

Sa akin help her and kahit maghiwalay na kayo at least you gave her a fighting chance to live her life kesa masira credit niya and maging limited na pwede niya gawin.
Sent from my iPhone using Tapatalk

Legally hindi naman. How is it his problem? I don't know kasi set up ng live in kung hati ba sa rent and utilities. I guess the only way it will affect him kung hindi nakaka pag bigay ng share ang partner niya but I don't think that is an issue with hitman. Pag asawa ibang usapan na talaga, kasi damay ka talaga.

Saka hindi naman humihingi tulong GF niya, nagmamagandang loob lang si hitman.

[_Cathy_]

Ito rin kung sa collection agency na huwag mo na sila kausapin at Bayaran, sayang lang pera mo sa mga yan.

Talk directly to the bank kaya prepare ka na babayaran mo na ng buo kung kaya alisin mga penalties and charges.


Sent from my iPhone using Tapatalk

pwede nga hindi bayaran, the bank will just write if off pero submitted pangalan mo sa BAP. Pero as a responsible person, tama nga to negotiate payment terms

[shadow]

pero sabi ng iba para ako lalaki magisip haha! I guess mga lalaki kasi innate na maging savior/protector kaya karamihan dito would say to help regardless of the reason for debt



yang collections kung maningil talagang nakaka pangliit ng pagkatao yan.



Legally hindi naman. How is it his problem? I don't know kasi set up ng live in kung hati ba sa rent and utilities. I guess the only way it will affect him kung hindi nakaka pag bigay ng share ang partner niya but I don't think that is an issue with hitman. Pag asawa ibang usapan na talaga, kasi damay ka talaga.

Saka hindi naman humihingi tulong GF niya, nagmamagandang loob lang si hitman.

Legally hinde of course. Eh siyempre problemado partner niya and it will show sa relationship nila. So problema na rin niya yun.

Paano ka maging good partner kung alam mo na meron problema GF mo tapos kaya mo naman tulungan pero you'll not do it para lang matuto siya ng lesson at masira credit niya?

You can help and at the same time maging lesson na rin sa partner mo.

Saka utang pa rin niya yun babayaran pa rin niya kay hitman. At least mas magaan na load sa kanya kesa sa bank pa maghulog.

Sent from my iPhone using Tapatalk

[shadow]

pwede nga hindi bayaran, the bank will just write if off pero submitted pangalan mo sa BAP. Pero as a responsible person, tama nga to negotiate payment terms

Negotiate with the bank and not with the collection agency basta pag nasa agency na huwha na pansinin mga yan.


Sent from my iPhone using Tapatalk

[CVT]

Ito rin kung sa collection agency na huwag mo na sila kausapin at Bayaran, sayang lang pera mo sa mga yan.

Talk directly to the bank kaya prepare ka na babayaran mo na ng buo kung kaya alisin mga penalties and charges.


Sent from my iPhone using Tapatalk

Agree here.

Mangungumisyon lang ang mga iyan at bibigyan ka lang ng sangkaterbang konsumisyon sa kanilang mga dada at pangako...Kaya diretso na sa bangko...

[QUEZ]

Agree here.

Mangungumisyon lang ang mga iyan at bibigyan ka lang ng sangkaterbang konsumisyon sa kanilang mga dada at pangako...Kaya diretso na sa bangko...

Yes bank will entertain naman pag full mo bayaran. Pero pag hindi, hindi ka ata papansinin. Balik ka sa collection agency.

Sent from my SM-A315G using Tapatalk

[H1Tman]

Agree here.

Mangungumisyon lang ang mga iyan at bibigyan ka lang ng sangkaterbang konsumisyon sa kanilang mga dada at pangako...Kaya diretso na sa bangko...

Nasa bank pa naman. Kaya ko naisip ayusin before it's too late.

[_Cathy_]

Legally hinde of course. Eh siyempre problemado partner niya and it will show sa relationship nila. So problema na rin niya yun.

Paano ka maging good partner kung alam mo na meron problema GF mo tapos kaya mo naman tulungan pero you'll not do it para lang matuto siya ng lesson at masira credit niya?

You can help and at the same time maging lesson na rin sa partner mo.

Saka utang pa rin niya yun babayaran pa rin niya kay hitman. At least mas magaan na load sa kanya kesa sa bank pa maghulog.

Sent from my iPhone using Tapatalk

sa case ni hitman I agree na tulungan kasi sa hospital ang reason pero kung dahil sa shopping, iiwanan ko na siya Non-negotiable sakin yan, I will not be with someone who cannot manage his finances or control his spending, that says a lot about the character of a person. Nung nag suffer nga finances ng family namin, I adjusted my lifestyle, simple na lang pero I am debt free

Saka utang sa partner/family? Lista na sa tubig yan for sure lol

Negotiate with the bank and not with the collection agency basta pag nasa agency na huwha na pansinin mga yan.


Sent from my iPhone using Tapatalk

yeah sa bank dapat makikipag usap

[_Cathy_]

matagal pa feb14... you have 3 weeks to "engage"

it's purely physical, he's still the only guy that can turn me on

I hurt him twice na, hindi na ko kakausapin nun, and I don't want to hurt him a third time...

Tama Kuya ko na I can't be with anyone until I fix myself