How's life after bad credit and Interbank Debt Relief Program (IDRP)?

Sa mga nabaon sa utang at nag avail ng IDRP? How was it?
Kamusta ang buhay na closed na ang lahat ng CC at hindi na muli makaka kuha ng credit cards?

I myself is suffering from almost a half million debt right now while working 12+ a day but only earning 30k a month.

Due to bad decisions in the past and negligence, I accumulated almost 500k in credit card debts on multiple cards. Initially, I'm only paying the minimum and then my family had a financial and health problems so I wasn't able to pay anything and missed paying for multiple months. I think my actual debt is like just 300k and the rest were interests and penalties.

I've already learned my lesson. Past is past but I'm struggling with my future and my present.

I have 4 cards, 3 in one bank U and 1 in bank B.

The 1st card has very small limit 20+k but did not have any penalties.

I called bank U for debt assistance but they only offer short term. I wanted to pay if for around 10 years and then I saw an article about IDRP and how they can assist you in paying debts for long term but I think my account on bank B will be affected.

For those who successfully applied. How hard was it? Did you complete the program?