If credit rating doesn't bother you ipa reposses o voluntary surender monalang, and you are right compromised nayung trend mo. Maganda sana kung may photo ka nung damage.
nalala ko tuloy yun post recently na di naman daw nasira credit rating nya kasi nakapag loan pa sya ulit
i guess di pa na update database ng blacklisting nun, baka ganun nalang gawin ni TS; utang sa ibang bangko muna hehehe