It is both a frustrating and disappointing fact that most Filipinos have completely the wrong concept of “utang“, otherwise known as debt.
For many Filipinos, when the latest iPhone is released and they realize they are low on cash, their first instinct is to borrow money from friends or family. But it’s also common for Filipinos to “forget” to pay back what they borrow.
To make the situation even worse, most Filipinos who lend money are quite often reluctant or shy to ask for payment because they are afraid this may offend their friends.
This debt, in time often becomes a problem, leading to mistrust or worse, a fight.
Here are three of the most effective ways of asking family and friends to pay back what they owe you without damaging your relationship with them.
Utang | 3 Ways to Ask Friends to Pay You Back
3. Remind Your Friends politely
Use polite, gracious words when asking someone to repay their debt or utang to you. In a friendly way, simply ask if they remember the debt and when they will be able to repay it. Don’t do it over SMS or chat… Talk to them face to face… This has more impact.
2. Ask for an Update
People will often borrow money for a reason and will inform you of this reason to validate their need for the money. It could be for school tuition, or a sickness in the family. Ask them how the schooling is going or if their mother is getting better. This way you indirectly remind them of the money they owe you without actually asking about it.
If the utang is small you can simply ask your friend to buy you dinner next time you are out to call it even. If the utang was larger, you can say the dinner is deducted from the debt. This is an easy and very polite way to have your money repaid in installments without offending anyone.