Finbro loans can be a lifesaver during emergencies — but what happens when the pressure from debt collectors becomes too much?
Whether you’ve missed a payment or need more time to repay, you still have legal rights. Harassment is never acceptable — even when you owe money.
Here’s your complete 2025 guide to spotting, handling, and reporting any form of harassment related to Finbro or its debt collection partners.
1. What Counts as Harassment?
Harassment includes any unethical, aggressive, or illegal behavior by a debt collector. This goes beyond simple reminders and becomes abusive.
Examples of harassment:
- Repeated calls or texts at all hours
- Threatening or insulting language
- Sharing your debt details with others (family, work, social media)
- Posting your personal info online to shame you
2. Red Flags to Watch For
Not sure if what you’re experiencing is harassment? These are common signs:
🔁 Constant calls, even during late hours
💬 Aggressive tone or threats of legal trouble
📢 Public exposure of your debt (to your boss, relatives, or on Facebook!)
🙅 Using shame or fear to force repayment
💡 Example:
Anna, a borrower from Quezon City, was harassed by repeated calls late at night. After reporting directly to Finbro and SEC, the abusive calls stopped immediately.
If any of these happen — you have every right to report it.
3. Finbro’s Official Stance
Finbro is SEC-registered and operates under legal regulations. It does not allow any form of harassment.
✔️ All collection partners must follow ethical, legal practices
✔️ Finbro encourages borrowers to report abusive collectors
✔️ Finbro can take action against violators if you report them properly
4. What To Do If You’re Being Harassed
If you’re receiving abusive calls or threats:
- Keep proof – Take screenshots, record calls, save messages
- Do not argue or engage – Stay calm, don’t escalate
- Contact Finbro directly via their website or hotline
- Stay firm – You don’t deserve to be threatened
5. Where and How to Report It
You have the legal right to file formal complaints against debt collection abuse:
- 📝 Step 1: File a complaint with Finbro customer service
- 🌐 Step 2: Report the incident to the Securities and Exchange Commission (SEC).
- 🔐 Step 3: File a privacy complaint with the National Privacy Commission (NPC) if your data was misused.
These agencies are there to protect your rights as a borrower.
6. Know Your Legal Rights
📜 Under Philippine law, you are protected by:
- The Fair Debt Collection Practices Act – forbids threats, insults, and harassment
- The Data Privacy Act of 2012 – your personal information must not be shared without consent
If someone crosses the line — the law is on your side.
📌 Additional Tips:
- Consider blocking numbers that repeatedly harass you.
- Share your experiences on community forums to educate others.
📌 Quick Summary
To protect yourself from Finbro-related harassment:
✅ Recognize what counts as harassment
✅ Save all abusive messages or call logs
✅ Contact Finbro and file a complaint
✅ Report to SEC or NPC if necessary
✅ Know your legal rights — and stand up for them
💬 Final Thoughts
Being in debt doesn’t mean being disrespected.
If you’re facing harassment, don’t suffer in silence. You have the right to fair treatment, privacy, and protection.
Stay informed. Stay strong. And protect your peace of mind. 🇵🇭
