PLAN
Know where your income needs to go.
PBU: Debt Recovery System
See where your money is going.
Know what’s coming.
Track your way out of debt.
A personal debt recovery tool designed to help you organize your finances, manage your obligations, and see your progress in one place.
One connected view
Debt recovery is easier to understand when you can see the whole picture.
PBU: Debt Recovery System brings your income, living expenses, debts, savings, and recovery progress together—so you can organize what you owe, prepare for what’s coming, and see how your financial position changes over time.
PREPARE
See upcoming living expenses and debt payments.
ACT
Move available money when priorities change—with impact warnings before you do.
RECOVER
Track debt from your actual starting point and see progress over time.
PBU: Debt Recovery System is a financial organization and tracking tool. It does not provide financial, investment, legal, or credit advice.
Product preview
Take a Quick Tour
See how PBU: Debt Recovery System works before signing in.
Recovery Journey
Your progress starts where you actually are.
Record your debts
Add all debts you currently owe.
→
Start your Recovery Journey
PBU captures your Starting Debt and Journey Start date when you’re ready.
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Watch your position change
Payments, interest, new debt, negotiations, and corrections are reflected over time.
Starting Debt→Current Debt→Overall Reduction / Increase→Recovery %
Before you access
Before you access PBU: Debt Recovery System
PBU: DRS uses Google Sign-In.
When you’re ready to use the actual system, you’ll sign in with the Google account that will be linked to your Recovery System access.
Step-by-step authorization
How to Access PBU: Debt Recovery System
Follow the current Google authorization flow using the official Project: Bayad Utang link.
Explore with your own information
Try PBU: Debt Recovery System for 7 days
Use the system with your own financial information before deciding whether you want continued access.
- Full access to available Recovery System features
- No payment required
- One Free Trial per Google account
- Financial data remains available under the current retention policy if access is continued
Privacy & security
Your financial information deserves transparency.
GOOGLE SIGN-IN
Authentication is handled through Google. PBU does not ask you to enter your Google password directly into Recovery System.
FINANCIAL RECORDS
Recovery System records remain associated with the authenticated user according to the system’s data-retention policy.
PAYMENT SECURITY
PBU will never request GCash MPINs, OTPs, banking passwords, PINs, or banking login credentials.
YOUR CHOICES
Account includes backup/export, financial-data reset, and account deletion options.
Common questions
FAQ
Is this Overview website free to view?
Yes. No Google sign-in is required to explore the Overview or Quick Tour.
Do I need a Google account to use PBU: Debt Recovery System?
Yes. Google authentication is required for the actual Recovery System.
Why might Google say the app isn’t verified?
PBU: Debt Recovery System is currently completing Google’s app verification process. The How to Access guide explains the current authorization flow.
Do I need payment information for the Free Trial?
No. The 7-Day Free Trial does not require payment.
What happens after my Free Trial expires?
Access ends unless continued access is activated. Existing financial records are retained according to the current data-retention policy.
Is PBU: Debt Recovery System financial advice?
No. It is a financial organization and tracking tool designed to help users organize and understand their own information.
Ready to see your own financial picture more clearly?
Start with 7 days of PBU: Debt Recovery System at no cost.