A borrower reported nearly PHP8 million in card and loan debt while restructuring still exceeded income

A borrower described unpaid credit card debt and instalment balances across several banks that were approaching PHP8 million. Minimum payments had been missed, and the borrower reported calls arriving through the day, from around 8 a.m. to 6 p.m. The borrower listed a PHP55,000 salary and about PHP10,000 in regular side income. Restructuring options had been discussed, including quoted terms around 1% over 48 to 84 months, but the resulting payments were still described as more than the borrower could afford. The balances, income and proposed terms are the borrower's account. BorrowTalk did not review the statements or offers, and the public source does not show a later accepted plan or payment outcome.