Ano'ng mas mahirap, mangutang o maningil ng utang?

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Mangutang
Maningil ng Utang

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Maningil ng utang, daming rason kesyo ganyan walang oambayad, late amg sahod, wala pa pera. oo madali magpautang ssbhn ung date ng pagbayad pero pag singilin na wala na.

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