I admit, I defaulted one of my credit cards and experienced being harassed on the phone by this so called credit card debt collectors. At first, I was very intimidated by their yelling until I found out that this should not be the case. I am glad that I found one filipino blog that helps credit card defaulter . From reading the posted articles there, I understand that credit card debt collector can't do nothing but just to scare me. Now I know that defaulting my credit card is not a criminal case so it won't affect my N.B.I records. I heard many lies from different credit card debt collectors and here are some you may want to know : 1. Being accused of violating RA 8484. This is a lie, this law is only for those people who defraud credit cards. People who uses fake identity to get a credit card. On that note, it is a baloney statement that they are accusing me of this criminal case to think that my only mistake is I just can't pay my debts. 2. They texted me and say ...
anything you want to know