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View all →- SEC Lists ‘Cash-Express Payday Loan’ Facebook Page in October Stop Order
The SEC's October 2026 index names a Cash-Express Payday Loan Facebook page in a stop-order entry. A separate report describes alleged brand impersonation; the licensed financing c…
- Maya borrower repaid ₱40,000, then saw a shorter 18-month loan offer
A Maya Personal Loan borrower asked r/MayaPh on 8 October 2026 whether rejecting a new offer might mean never receiving another. They said their 2024 ₱40,000 loan had a 24-month te…
- Near ₱400,000 in debt, a first overdue month brings home-visit fears
A borrower posting in r/utangPH on 8 October 2026 described almost ₱400,000 in obligations across credit cards and digital credit products, including BillEase, SLoan, SPayLater and…
- GLoan: Final Payment Pending, ₱200 Still Taken
A GLoan borrower says they sent their final installment, but the wallet was still debited ₱200 on the due date. What can the payment and refund rules actually establish?
- A Debt Collector Says They Work for Your Loan App. How Can You Check?
An unfamiliar agency says it collects for your loan app. Verify the lender, collector identity, account balance and payment route before relying on a message.
- SEC Wants to Accredit Third-Party Debt Collectors. What Would Change for Philippine Borrowers?
The SEC has proposed accrediting third-party debt collectors hired by Philippine lenders. What the September 2026 draft says, what is not yet law, and which borrower protections al…
- Payment sent is not the same as loan settled: 4 checkpoints to verify
A receipt proves a payment action, but it may not yet prove posting, a changed balance, or account closure. Four checkpoints help separate a sent payment from a fully settled loan.
- Paying early can mean four different things in PH credit apps
“Pay early” can mean a recomputed payoff, a later interest cashback, lower daily charges, or simply clearing a future bill. BorrowTalk compares the mechanisms behind Home Credit, G…
Official and regulatory updates
Official source
What collection rules apply to unpaid credit card debt in the Philippines?BSP rules require lawful, reasonable collection, identify listed unfair practices, and set notice and identity requirements for collection agencies.
Official source
How are credit-card payments applied when balances have different interest rates?BSP rules say amounts above the minimum payment go first to fees and charges, then to billed balances from the highest interest rate downward.
Official source
How do you compare the real cost of a debt consolidation loan?Use the effective interest rate, disclosed fees and repayment schedule—not only the advertised rate or monthly payment—to compare a debt consolidation loan with other offers and the debts it would replace.
Official source
How does an individual file for insolvency over credit-card debt in the Philippines?For a natural person who is both a resident and citizen of the Philippines and meets RA 10142's insolvency definition, the law provides court procedures for suspension of payments or voluntary liquidation. The route depends on whether the debtor's property can cover the debts, and neither procedure is automatic debt cancellation.
Editorial guides
Editorial
SEC Lists ‘Cash-Express Payday Loan’ Facebook Page in October Stop OrderThe SEC's October 2026 index names a Cash-Express Payday Loan Facebook page in a stop-order entry. A separate report describes alleged brand impersonation; the licensed financing company's status cannot be inferred from the page name.
Editorial
GLoan: Final Payment Pending, ₱200 Still TakenA GLoan borrower says they sent their final installment, but the wallet was still debited ₱200 on the due date. What can the payment and refund rules actually establish?
Editorial
A Debt Collector Says They Work for Your Loan App. How Can You Check?An unfamiliar agency says it collects for your loan app. Verify the lender, collector identity, account balance and payment route before relying on a message.
Editorial
SEC Wants to Accredit Third-Party Debt Collectors. What Would Change for Philippine Borrowers?The SEC has proposed accrediting third-party debt collectors hired by Philippine lenders. What the September 2026 draft says, what is not yet law, and which borrower protections already apply.
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