May nagtanong sa akin kung ano daw ang mangyayari kung namatay ang credit card holder.
Naiisip kasi ng ordinaryong Pilipino na namamana ang utang.
Magandang balita ulit sa mga may utang…Hindi ito totoo.
Ang utang ni Pedro ay utang ni Pedro at hindi utang ni Juan. Ang utang ng mga magulang, anak, kapatid, tito, tita, lolo, lola at pati kapitbahay at ang alaga niyang aso ay hindi pwedeng singilin sayo.
ANG UTANG AY UTANG PARIN
Hindi nga pwedeng ipasa ang utang mo sa mga kamag-anak mo at sa ibang tao pag-ikaw ay pumanaw na, ngunit may utang ka pa ring dapat bayaran.
Pero sino ang sasalo sa utang mo kung isa ka nang fertilizer ng lupa?
Ang iyong mga ari-arian o estate.
Tama nga ang kasabihang – Hindi mo madadala sa libingan ang iyong mga pera at ari-arian.
Sa katunayan, pwede ka pa ring idemanda ng pinakakautangan mo kahit patay kana pero syempre, ito ay nakatukoy sa iyong mga naiwang ari-arian. Kaya nga ang pamagat ng kaso ay tulad ng ganito: Citibank vs. The Estate of the Late Juan Dela Cruz.
Mapupunta muna ang mga naiwan mong ari-arian na pambayad sa mga utang mo at kung may natira pa ay saka ito pagpaparti-partihin ng mga tagapagmana o heirs.
Kaso, karamihan naman sa mga Pilipino ay wala namang sapat na ari-arian kahit nung nabubuhay pa, kaya sa huli, hindi rin nakakasingil ang mga creditors, kaya lista mo na lang sa tubig ang utang mo.
“He that dies pays all debts” - William Shakespeare
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Ah ok pala, ‘di na ako matatakot sa may utang sa akin, mayroon naman siyang ari-arian. ‘di ko alam kung papaunlakan ninyo itong tanong ko, pero itutuloy ko na rin (sana walang bayad), Paano kung mahigit 3 taon nang ‘di nakakabayad ng utang, pero mayroon namang collateral na titulo ng lupa ang umutang sa akin, at malabo na siyang makabayad sa panahon naito, may karapatan ba akong sabihin sa kanya na ako na muna ang magmamani-obra ng lupa niya hanggat hindi pa siya nakakabayad?
Pagpasensyahan po ninyo ang paglalakas ko ng loob na ito na magtanong.
Salamat.
Ferdz,
Kapag may written contract kayo ng umutang sayo at pirmado niya, may 10 taon ka pa para maghabla.
Kung pinapirma mo siya ng kontratang may titulong “Real Estate Mortgage” (REM) ay pwede mong i-subasta (foreclose) ang lupa.
Extra-judicial foreclosure (mas mabilis) kung may special power of attorney (SPA) na kasama sa REM at judicial foreclosure (mabagal) kung wala.
Ibebenta ng sheriff ang lupa sa publiko (Public Bidding). Pwede ka mag-bid at yung utang niya sa iyo ang pambayad mo (off-set). Kung walang ibang bidder, panalo ka at ililipat sa titulo mo ang lupa (sa iyo na!).
Kung may mag-bid na iba ay tatapatan niya ang bid mo at dapat bayaran niya ng cash sa sheriff. Yung pinambayad ay ibibigay sa iyo bilang pambayad ng utang sa iyo ang sobra (kung meron pa) ay ibabalik sa may-ari ng lupa.
Either way, panalo ka pa rin.
Bawal kasi na basta mo na lang kukunin ang sinanla sa iyong lupa na walang bidding kahit nakalagay pa sa kontrata, pactum commissorium tawag dun.
Kung walang kontrata ay may 6 years ka lang para mag-file ng case laban sa kanya for sum of money.
Advice ko para mabilis at dacion en pago na lang (off-setting). Pa-execute mo na lang siya ng deed of sale pabor sa iyo (ikaw buyer, siya seller) at ang bayad mo yung utang niya. Kung maliit lang halaga ng utang, e dagdagan mo na lang.
Hope this helps.
Dear Tito Boy,
Maari ko po bang malaman ang batas ng utang sa Pilipinas?
My sister-in law without the knowledge of her husband, who is my eldest brother, borrowed money from our Uncle & Auntie.
Here are the info’s i gathered from my family:-
In May 2009 my sister in law borrowed 150,000.00 pesos – reason being, she owed money in work that needed to pay otherwise she will be sued and left with no job. My auntie, of course gave her the money. I heard that there was a contract signed between two parties.
Few months after that, my sister in law approached my Auntie again and asked if she wants to do some kind of business… 5 – 6 we call it. Then my Auntie gave her 350,000.00 pesos. At first she is able to give some kind of percentage then fail.
December 2009, she then again asked 200,000.00 pesos- reason being, to help my brother to pay all his debts. Again, my Auntie gave her the money.
The total of 700,000.00 pesos were borrowed within the period of almost 2 years without her husband’s knowledge nor us.
Just few days past my Auntie went to see my mother. My mother is 69 years of age, post stroke patient and know nothing about this issue. She informed her about my sister-in laws loan and the poor old lady almost had another episode of stroke. My Auntie then contacted my youngest brother in work to inform about this issue. Of course, my youngest brother cannot believe so he informed our eldest brother straight away. Mind you,this is not the first case my youngest brother was contacted by many lenders, whom my sister in law owed money.
My eldest brother is a very respectable govermnent officer . He supports his family to the best that he can. He never ask money from my sister in law to pay for his debts ( if there is any).We are not sure as to where the money was used by my sister-in law. I really felt so sorry for my brother, their children the rest of my family.
Here are my questions :-
1) What obligations by LAW my brother is required.
2.) We own a piece of land – that was registered under my name and my brother – will that be affected? We all know that my Auntie and Uncle has the biggest interest in our property.
3.) Is there any thing else that we have to look into – be careful with?
Tito Boy, I am really desperate for your guidance with this matter…my familyare having a tough time at the moment due to the problem caused by my sister in law.
I am looking forward to hearing from you hopefully very soon.
Thank you for taking the time to read this email.
@Liezel_V, the answers to your questions are found here:
http://www.panyero.net/forum/index.php?topic=31.0
Tito Boy,
Many thanks for your prompt reply. May i ask…what could be the worst possible thing that could happen and the right action/steps that we have to do?
Again,many thanks for your kind assistance.
Liezel
@Liezel, worst thing – your brother’s properties, e.g. lot, bank accounts, personal properties, might be seized by their creditors, or your sister-in-law can be facing estafa cases if she applied deceit in acquiring those loans.
Steps you have to do – monitor those cases filed against them and hire a lawyer to fully protect their rights against arbitrary seizures from their creditors.
Tito Boy, can i possibly ask for your email address. I just have one last question to ask…
@liezel_V: paki-PM na lang ako sa panyero.net/forum. Thanks.
Tito Boy,
My apology po panyero.net/forum is too complicated for me so i will just post my last question here. People might think i am so stupid by i will ask it anyway.
RE: ART 93 (3) OF FAMILY CODE – ABSOLUTE COMMUNITY OF PROPERTY.
Will it be called or part of absolute community of property by the couple if the property was acquired or transfer to a person when he/she was still single?
Basically, our parents transferred the title of our land to me and my brother when we were just 21 and 20 years of age. Having said that, i also have young brother and sisters to benefit from the said land but they were not named in the title bec. they were under age that particular time.
Liezel
@Liezel_V
Its ok, ill just answer your query here
Art. 92 (3) (not art. 93) of the Family Code states that “properties acquired before the marriage by either spouse who has legitimate descendants by a former marriage.”
It applies to people who has a legit child/children before the marriage.
Kasi may interest ang mga anak niya doon (future legitime) sa property kaya hindi na isasama sa absolute community kapag nag-asawa muli.
Your case stated above is entirely different.
All properties acquired before and during the marriage is part of the community of property.
Tito Boy,
Thanks for all the info you passed on. It was a great help.
It is true that regret is always at the end. It is kinda embarrasing to discuss property arragement before marriage, but it is for the best of everyone.
Again, many thanks.
Liezel
Tito Boy,
Meron po akong cc debt na naka 4-year restructured terms na. I’ve been paying religiously for 3+ years. Nawalan po ako ng trabaho at nanganganib na di mabayaran yung balanse ko on time. May PDC po akong naissue Hanggang October na lang po ngayong taon. Ano po ba ang maaari kong gawin. Please help me. I don’t know what to do!
@gretchen, why didn’t you ask help from danding?
Seriously, call the cc company and ask for some consideration and state your present condition. For sure, they will impose penalties and interest for late payment but you can ask for waiver and discount later on.
I hope and pray that you can get back on your feet real soon.
Tito Boy,
Thanks for the attention. I already did call Citibank to update them of the situation. But they told me na they couldn’t take the PDCs out. They’ll just wait for it to bounce and when my checking account gets closed. They’ll ask for a new set of checks. If I can’t give it to them, they’ll take me to court. Kahit ano pong pakiusap di na daw puede. No way to restructure ulit the agreement. So I have no way out but Jail?
Wish I did have a danding on my side.
@read my post on bouncing checks, you’ll see salvation in there
what if po yung may utang sayo ay walang pinirmahang dukumento na may utang siya sayo., pag di po ba nagbayad ay pwede po bang mag demanda??
ask ko lng po mtagal n po ako wlang work almost 5 yrs and hindi ko n po nbayaran ang mga credit cards ko im afraid n hindi nko makapagwork or makapagabroad because sbi po ng letter dun sa credit card company n hindi n daw ako mkakakuha ng nbi clearance is it true?thanks
criminal cases lang nag aappear sa NBI clearance
hi,
share ko lang po i have a friend of mine , and may pinsan sya na going to japan. and then nung kukuha na ng nbi hindi daw nireleasan kasi sabi may pending case pa daw po sya na unsettled account from citibank..pano po yun pwede mo bang sabihin yun sa nbi?
please give some advice kung tama po ba ang ginawa ng nbi dun?
Thanks.
baka estafa sinampa ng citibank or BP 22
Hello,
I’ll just lang po kasi curious lang po ako regarding sa mga case na pinafile ng bank against their debtor. Pano po ba nila nasasabi na ganito ang isasampa nilang kaso like, credit abandonment or difrauding of creditors (tama po ba? sorry di ko kasi masyado kabisado). And may mga certain about din po ba silang pinagbabasihan dun?
Thank you.
Regards,
Beauty
That is why they have lawyers.
tito boy,
good day… your blog helped a lot of idiots like me. (in terms of laws).. by the way, can you give me some advice please… Namatay ang nanay ko last mar 25 lang. And worst thing na puro utang ang naiwan nya. More or less siguro around 200,000. But we were aware of her debt when she’s still alive. Nagkapatongpatong na kasi ang utang nya dahil ng mga bwuayang mamomorsyento. Some of her debts kasi eh 2 years nya ng tinutubuan and yet the principal is still there. Ang probs namen, kami ng sister ko ang kinukulet ng mga creditors dahil kami daw ang anak. And worst.. yung utang nyang iba until now tinutubuan pa kahit patay na sya. kasi pera daw yun ng kooperatiba. Wala naman naiwan properties ang nanay ko. Just in case dalhin kami sa judge, may laban ba kami na tanggihan ang utang nya? and san papasok ang role ng co-maker? kasi co-maker ang kinululet nila syempre nakakahiya din dun sa tao na tumulong kay mother. I have my own family and ayoko naman magwork habangbuhay para lang sa kanila. thanks. more power
Sabit yung co-maker ng mommy mo. Siya sisingilin diyan. Kahit patay na tutubuan pa rin yun, hindi naman pinagbawal ng batas yan.
Kung walang ari-ariang naiwan ang nanay mo, ty na yun as far as you are concern.
Hindi sila pwedeng maningil sa iyo kasi hindi naman ikaw ang may utang.
wala na yan TY na yan dahil walang estate yung mother mo, di namamana ang utang kasi binabayaran yan ng Estate ng Deceased, saka ipamudmod ang matitira sa mga tagapagmana
kaya sabihin mo na lang sa mga creditors ng nanay mo ay “I am Sorry.”
pero kung buhay pa tatay mo sya pede habulin up to the extent na nag redound sa benefit ng family ang inutang ng ina mo
co-maker ang kawawa, sya sasagot lahat ng utang ng nanay mo
thanks po sa reply.. eh paano po kung yung co-maker ay baon din sa utang? kasi ganun po ang sitwasyon. anu po kayang magandang gawin? salamat po ulet.
sisingilin pa rin ang co-maker
hi tito boy, you’re blog has been very helpful for people like me who have very little legal background. keep up the good work!
sir question, my father has a loan with a bank, but died very recently. the loan was fully secured by REM, and the business to which the loan proceeds have been applied to is still being run by the family. however, the bank cannot renew the loan because the estate hasn’t been settled. my dad left a will, transferring the land’s title to my mother, however it will take time to settle the estate. the account is now in past due status and the interest is piling up. unfortunately for us as well, we are not in a very liquid position at the moment, so we can only pay a small portion of the debt. please advise us what is the fastest way that we can renew the loan so that we can be absolved of penalty charges? thanks very much in advance!
you have 60 days from the date of death to settle the estate tax of the deceased so you can proceed with the partition and distribution in accordance with the testamentary dispositions of your father,
any substitute property for the loan to be secured?
wow, thanks for the fast reply! 60days? oops. ^__^ all other properties of the family, including the business are still in the names of my parents. so does this mean they are also subject to probate proceedings? my mother was made co-maker to the loan though. we asked the bank if they could extend the loan maturity, but they said that it is still subject for approval. if this is not approved, will they foreclose the property? does the bank have the right to foreclose our other assets as well even if they are not mortgaged? does this even include our deposits as children of the deceased? the outstanding balance is still about 75% of the original loan amount.
Mika,
“if this is not approved, will they foreclose the property?”
Yes, if you failed to update or settle your account in full.
“does the bank have the right to foreclose our other assets as well even if they are not mortgaged?”
Nope. This only happens in execution where there is already a judgment against the debtor. In short, a case has been filed and tried.
“does this even include our deposits as children of the deceased?”
If the deposits are under the name of the children, they cannot proceed with that because technically, the deposits don’t belong to your dad. It is the duty of the bank to prove otherwise.
all assets of the deceased regardless of location form part of the GROSS ESTATE and are reduced by the deductions allowed by law resulting to the NET ESTATE to be distributed to the compulsory or legal heirs or the intestate heirs or testamentary heirs, if the business is a corporation, it is the shares of stock owned by the decedent that is included in the gross estate and not the business per se
only the property mortgage is the one subject to foreclosure by the mortgagor, deposits not in the name of the mortgagor are not subject of foreclosure, unless there are deposits in the name of the mortgagor in the same bank where the property was mortgage
Clarification on deadlines:
SEC. 89. Notice of Death to be Filed. – In all cases of transfers subject to tax, or where, though exempt from tax, the gross value of the estate exceeds Twenty thousand pesos (P20,000), the executor, administrator or any of the legal heirs, as the case may be, within two (2) months after the decedent’s death, or within a like period after qualifying as such executor or administrator, shall give a written notice thereof to the Commissioner.
(B) Time for filing. – For the purpose of determining the estate tax provided for in Section 84 of this Code, the estate tax return required under the preceding Subsection (A) shall be filed within six (6) months from the decedent’s death.
thanks so much granger1220. at least i’m assured that our hard-earned deposits are safe.
we still haven’t filed for the estate tax return but we still have a bit of time to file for notice of death. we’ll ask for the assistance of a lawyer as well. you’ve been a huge help and for that i’m very grateful. 
and a CPA if you fall under this provision:
Sec. 90 – x x x ………Provided, however, That estate tax returns showing a gross value exceeding Two million pesos (P2,000,000) shall be supported with a statement duly certified to by a Certified Public Accountant containing the following:
Hi Sir,
I am an ofw in uae and since i lost my job i left the country at umuwi dito sa pinas kasi makukulong ka sa uae if 2 monthly di ka nakapay ng due mo. my question is makakasuhan o makukulong po ba ako dito sa pinas since yung debt ko nasa uae? all applications for credit cards and loans doon ay pinapaissue kami ng check, makukulong po ba ako nila d2?please i need your advice.
thanks!
Hindi ka makukulong: 1) walang nakukulong sa utang dito 2) ang incident ay nangyari sa ibang bansa at hindi dito sa pinas.
Kaya huminga ka ng maluwag.
Maraming Salamat po talaga!sobrang relieved po ako kasi hinaharrass po ako ng collecting agencies sinasabi po nila branch daw sila ng banks na pinagkakautangan ko. I know maraming pinoy ang may ganitong problema kasi sa daang daang pinoy na nawalan ng trabaho sa uae at sa takot na maharap sa debt prison kaya napilitang umuwi nlng sa pinas.
Kahit po ba international banks like hsbc d po ba nila ako maipapakulong dito?
The constitution provides “No person shall be imprisoned for debt or non-payment of poll tax.”
Hi,
Medyo naguguluhan po ako sa quotation na yan law, hindi po ba yan contast dun sa aricle 8484 regarding credit card? or are they related?
Please need verification or at least a brief explanation regarding that.
Thanks a lot.
Ang RA 8484 ay tungkol sa access device fraud o paggamit ng credit card na hindi sa kanya o kaya peke.
Dito may elemento ng fraud at panloloko. Hindi dahil sa may utang.
At ayon sa Sec 14. ang sino man na umalis sa kanyang pinagtatrabahuhan, tinitirhan o kinakalakalan na walang pasabi sa credit card company ay prima facie evidence of intent to defraud.
Prima facie lang yun. Ibig sabihin kapag napaliwanag mo ng maayos sa korte na walang kanaman intensiyong manloko ay lusot ka.
ay ganun po, thanks tito boy. At least mejo naliwanagan ako dun, and alam ko na rin yung mga possible na actions na pwedeng gawin. Feeling ko kasi threat na sa akin yun eh, since na nag-iisip rin ako ng paraan kung pano makapg bayad sa cc ko…Thanks po ulit and godbless!!
hi sir!querry ko lng po sana may remedy po b ako s taong ginamit ako pr umutang, bale ako po ang umutang s 5 6 siya po gumamit ng pera nung una ngbabayad po x s akin ng interest interest kaso after a year inabandona n po niya obligation niya..wl po kaming kasulatan dahil matalik ko po siyang kaibigan.ngayun po ngsusufer ako s pgbbyad ng utang niya worse dineny niya po yung utang niya kc wl akong ibidenx testimony lng mama at tita ko n kumuha ako n pera pr s kanya nun po.tnx po ng marami
Its another case of “co-maker-wawa-naipit-hindi-nakinabang” syndrome hehe. Read my post about co-maker Ms. Karen
gud am po sir..ask ko lang noong 2008 nakautang kami ng mr. ko sa lending ng 30thou ang naloan kaso di po nka alis mr.ko kaya di kami nakabayad almost 2yrs.ngayon kaalis lang po ng mr.ko umabot na sa 80thou,yong utang namin naghuhulog po ako ng 2thou lang dahil yon lang kaya kung byaran pero buwan buwab nagbbyad mo ako at tinatangap po nila makukulong po ba ako o my karapantan pa ba sila na kumuha ng gamit namin kasi yon laging panakot sa amin ng collector kahit nag babayad na ako lagi pa rin ako sinisingil minsan kababayad ko lang my pupunta na naman na iba mangutang daw ako kasi kailangan makabayad daw ako e wala naman akong palya sa pag babayad yon nga lang maliit lang nahuhulog ko.dapat ba akong matakot makukulong po ba ako.tnx po ang more power po
Do not fear for you wont get imprisoned.
The collector cannot get or appropriate your property, against your will to satisfy your obligation otherwise he is criminally liable for light coercion. So do not be afraid for only the court can order a levy, attachment, execution to satisfy the claim of a judgment creditor.
Just pay religiously.
thanks po sa advised sana po marami pa kayong matulungan…di naman po ako nakaklimot sa utang ko sa totoo lang po gusto ko ng matapos kaso paano po kami matatapos kung laging sasabihin sa akin na sa interst lang napupunta ang binabayad ko yong utang ko kasi na 30thou naging 80thou na baka malaki na po ngayon tanong ko lang po kailangan po bayaran ko talaga yong 80thou paano po yon kung di ko mabayaran yong 80thou lalaki ng lalaki utang ko di po ba ako makukulong habang tumatagal habang buhay na kaming mag babayad ng utang.kasi 2thou lang binabayad ko buwab buwan dahil yon lang kaya kung ibayad pero tintangap naman po nila.thanks po ulit
As long as the interest you are paying is stipulated interest and agreed by you then you are liable to pay it.
In application of payments the presumption is payments are applied to interest first before principal.
magtatanong na din po ako,
i made a loan years back, i was asked to issue checks too. at first good yung mga checks ko kasi may extra income pa ako. later on nung di na good yung mga checks ko, i was asked by the debtor to issue another check since i was able to get another new checking account from other bank. i told the debtor na wag nya idedeposit kasi wala pa ko pampondo for it. we had a verbal agreement na magpay nlng monthly. i lost my extra income so naghuhulog nlng ako sa kanya monthly at any amount na kaya ko. although there are times na pumapalya ako sa paghulog due to financial constraints na din. sobrang crisis ako ngayon kaya may mga ilan months na di ako nakakabayad at kung makabayad man hindi ganun kalaki. but i never denied my debt and wanted to pay as much as i could but there are times that it is very difficult for me. i got a letter from the debtor the other day informing me that the 2 checks ive last issued to them last 2006 bounced due to closed account. what will happen to me now, makukulong na ba ko? meron ba ko depensa? salamat po.
defense of prescription since the bounced check is dated Y2006 and it is already Y2010, the aggrieved party may only bring an action for BP22 within 1 year from the date of the bounced check
thanks po sa immediate reply. medyo troubled po ako at this moment. would this be some kind of harrasment? can i still be called stafador because of my bounced checks and since nagbabayad naman ako kahit papano? please help i need more light for my issue.
Unless you are convicted of the crime of estafa.
nangutang po ang kapatid ko sa bangko gamit ang titulo ng lupa na nakapangalan pa sa tatay namin. so technically ang tatay namin ang me utang sa bank. tatlo po kme magkakapatid. iniilit na po ng banko ang lupa. nais naman po namin tulugan ang kapatid ko na mabayaran ng buo ang lupa, bilang kapalit, ibibigay nya ang share nya sa lupa. ano ano po ang mga dapat na affidavit o kasulatan mula sa abogado ang dapat panghawakan ng taong magpapautang upang maiwasan bilang kasiguraduhan na maibabalik ang perang ipapahiram nya. ang affidavit po ba ay sapat na? salamat po
gud am po.
ask ko lang po kung ano pong pwedeng ikaso sa ng issue ng check without sufficient funds & meron din kaming written aggreement na pirmado ng umutang?
BP22
sana po masagot nyo po ang aking katanungan..
maraming salamat po.. godbless..
good pm po.
ung sister ko at husband nya nagloan sa lending company nung july 2008 at pinag issue sila ng PDC kaso di po nakaalis ung husband nya kaya di sila nakapag hulog.january 2009 may na receive daw po dun sa dati nila tinitirhan na letter pero dahil wala na sila dun they never got it pero sabi daw po nung nag receive demand letter daw po asking them to pay the loan and interest in 5 days eh nasabi po sa kanila march 2009 na and since wala po talaga sila pambayad di pa po nila nababayaran.since last year po wala na naman daw po nakukuha letter o ano pa man dun.willing naman po magbayad sister ko kaso nga lang ngayon kasi wala pa talaga sila pambayad kaya dito nga sila sa amin nakikitira.may offer sa sister ko magwork sa abroad pero natatakot naman siya kumuha ng nbi kasi baka daw may record na siya.ano po pwede namin gawin?pwede pa po ba mag file ng case ung company kahit matagal na?
thank you.
hello! Sir question po, pano po kung mahigit 8 years ng hindi nakakabayad sa akin yung taong pina utang ko? yung land title po nila ang ginawang collateral pero ang problem wala po akong legal loan documents or any contract na hawak. wala po kasi kaming formal loan agreement/documents nung pina utang ko sila. may habol po kaya ako dun sa lupa nila in case hindi na sila makapag bayad?
Hope matulungan nyo po ako.
Thank you!
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ask ko lng po… kc po nagkautang ako nitong march 2010 ng pera tpoz po nitong may 10, 2010 eh pinapirma ang asawa ko na 40,000 po ung utang.. nakapagbayad kmi nitong june ng 20,000 lng po at naiwan ung 20,000.. nkaalis npo ang asawa ko ng katapusan ng july papuntang abroad.. tpoz nagpadagdag pa po ako ng 6,000 ble 26,000 na po ble ang utang kong principal sa knila. ble hindi ko pa po yon nababayaran kc may inuna rin pokming gastusin.. pero nangako nmn po ako na sa susunod na pdala eh babayaran po nmin sla. ang inabot na daw po non eh 43,000 ksama tubo. ngaun po ginigipit na nla ako eh ang nagpapautang po eh asawa ng pulis at lagi nlang sinasabi na mapeperwisyo ang asawa ko na nagtatrabaho sa ibang bansa kpag denemanda nla ako. kc daw po asawa ko ang nkapirma doon. tpoz nong tinawagan ko po sla eh ang sabi po ng pulis sa akin eh wag na raw po ako magbayad pero wag akong lalabas ng bahay. eh malakas daw po sla sa prosecutor. ano po ba ang masasabi nyo tungkol dito sa problema ko. idedemanda na raw po ung asawa ko ngaung araw na ito. sna po masagot po ninyo ito agad pra malaman ko po kng ano ang gagawin ko.
eh di magdemanda sya wahahahaha, civil case lang yan, small claims court lang at pede mo i contest ang interest kung wala sa kasulatan, saka di nya ma acquire jurisdiction ng asawa mo kasi nga nasa abroad, he he he, unless implead ka nila as legal spouse
yung pulis kasuhan mo ng light threats as criminal case dahil sa pananakot sayo,
ako ang laki ng problema ko pero sabi sakin nang asawa ko wag ko na problemahain dahil alam ko na hindi ko naman yon ginawa
ito ang aking kuwento.
may nawalan raw samin nang pitaka puno ng i.d and credit card noong oct 18, 2010 nalaman na lamang niya nawawala yung creditcard niya noong tumwag s kanya ang mismo may ari ng creditcard means to say yung may ari ng mastercard kasi yung nawala ay isang suplementary ang nagastos ay 14k / 13k / 1k noong gabi din un nang 6:30pm sa ssm bicutan bumili rw ng cellphone 2set magkaiba ang store. nag tanong yung may ari nang card kung nawawala ba yung suplementary card ang sabi ng girl hindi nasa kanya yung card niya pero sabi ng lalaki kasi may nag reflect sa cellphone ng guy na ginamit yung credit card sa mag kakaiba shop pero isang place. doon na lamang nalaman ng girl na nawawala yung credit card niya. tapos ako hindi ako pumasok kinabukasn oct 19, 2010 dahil baha samin dahil sa magdamagan pag ulan noon. ang di ko alam ako na pala suspek ng mga lintik ko mga kasamahan kasi yung girl na nawalan ng wallet ay katabi ko. pina blotter na agad ako na hindi ko alam nag inbistigate na sila sa shop kung san raw na ako ang bumili ng cellphone at nag nakaw ng wallet. sabi nung saleman meron nga bumili dito samin maikli ang buhok/morena/matangkad at payat at may ipit sa buhok sabi pa nang nawalan ng credi9t card at pitaka pag ba may pinakita ba ako sa iyo picture maituturo ba ninyo na siya yon. nang ipakita niya yung picture ko tinuro ng salesman na siya po ung bumili ng cellphone samin ganon din sinabi sa isang shop pero ang sabi namn naka ipit at naka salamin. kasi taga bicutan ako kaya ang bilis mag bintang pero hindi nmn talga ako taga bicutan taga bagumbayan taguig ako doon lng ako dumadaan papunta samin. ngayn nka blotter ako sa makati/paranaque/ nag nakaka inis pa noon wala ako ninakawa at binilibili nang kung anu ako pa ang pinagbintagan na hindi sapat ang katibayan. ngyn kumikilos ako para linisin ang panganlan ko na sinira nila.
anu pa dapat ko gawin pla tell me thank u
tanong ko lang po yong Mr.ko po ay my utang ng credit card sa dubai year 2008 sa di inaasahan ng magbakasyon siya dito e di na isya nakabalik ng dubai dhail tinerminate siya ng secretray ng di niya alam…….ngayon mo e nasa riyadh na siya mag 9months na siya don……..bigla my pumunta dito sa amin na pinadlahan daw sila ng banko ng dubai para singilin Mr.ko sabi ko wala dito nasa riyadh kailangan bayaran daw niya yong utang niya,,pwede po ba siyang kasuhan don sa riyadh kahit sa dubai siya umutang pwede po ba siya hulihin don,,ask ko lang po willing naman po siya mag bayad kaya lang sa ngayon e kapos pa dahil nag kakaltasan pa sa placement fee niya .gusto pa kasi byarab niya ng buo saan naman kami kukuha ng 20thou dirham daw……..o kaya 2nd option e down ng 5thou dirham tapos monthly 300dirham ang problema nga po ala kami pang pera ganun kalaki ano po kaya dapat naman gawin…natatakot po kasi mr. ko don baka bigla daw siya damputin don….maraming salamat po
Last June 2007, nag-salary loan po ako sa banko. tapos 1 month after napilitan ako magresign dahil sa alitan namin ng manager ko. Makatapos po nun ay hindi ko na nabayaran ang pagkakautang ko sa banko dahil salary deduction po iyon. Hanggang ngayon po hindi pa ako nakikipagcommunicate sa banko or sa legal office na pinasahan nila ng collection ng utang ko. Nagpadala po sa akin ng sulat ang law firm na sasampahan ako ng estafa. Wala po akong work simula nung Dec. 2007. Ano po kaya ang mabuti kong gawin? Natatakot po kasi ako.
gusto ko lng po sang humingi ng payo tungkol po s credit card. bale last 2006 ngkaroon po ako ng card… citibank.40 credit limit at dingdgan nila ng 8 kasii was a good payer and binigyan nila ako ng panibagong card ble 2 na. ngkaron din ako ng 3 pang cards… pero lhat ppo ng yan binayaran ko last 2008 lhat at ipinasara ko yung ibang cards maliban s citibank…last 2009 ngpdla ng card ang bdo, sila ang ngpdla di po ako ng apply..ginamit ko rin… kaso late last 2009 til now ngkaron po kasi ngproblema at nhospitalized po ako , tumawag po ako pra mag ask ng help gya ng ihold yung accounts ko at bbyran ko nlng xa monthly till matapos yung utang ko pero ang sabi nila wala daw po silng ganung set-up.at diko n po nbyaran ang cards… for sure po tumaas n yun at wala n din po kasi ako s dating adress n tinutuluyan namin kasi ngtratrabaho lng po yung taty ko s adress n yun at ngrerent lng kami s ngayon, wala po akong kahit na anong pag aari. wala na din po akng trabaho. ano po ba ang dapat kong gawin kasi natatakot po ako kasi nga balita ko hinahanap daw po ng nbi?kasi may ipinadala daw pong letter ang bdo sa isa kong kilala na may utang din sa credit card at ang sabi e pupuntahan daw ang bahay nila ng NBI? merong ngsabi sa akin na may tumawag daw sa dating tinitirhan namin at hinahanap ako..kaso wala nmn po akong perang ipangtatawag sa kanila?ang sabi daw po e taga cebu sila at atorneys office sila at mgbibigay daw po ng promo about sa payment?. ano po ba ang dapat kong gawin?salamat po.
sir, meron pong tumawag legal atorney daw po ng citibank na 24k yung mga ganyan totoo po ba yan, is it safe to trust? sila po ang may sabing may promo daw po ang citibank?
baka nga may condonation of interest provided you pay in full the net amount within the prescribed period
Hi sir just need your advice regarding my problem. Last Dec 2009 I became delinquent in paying my cc bill kasi ngkaipit ipit ako sa utang. pagdating po ng jan-march 2010 ngbagsakan po skin ang isang damakmak na mga letters at meron pa ngang complaint letter na walang seal ng korte ako nattanggap all are saying na credit abandonment and such so ang ginawa ko po nkipag-ayos ako sa isang collection group nila. maganda nman kinalabasan ng usapan nmin. They wanted me to sign a document with a guarantor kaso sabi ko wala ako makuhang guarantor na kakilala dahil sa hiya na po. ok lang daw po basta mag down ako ng 2.5k nitong april at monthly ako mgbayad ng 1.6k every month for the next 3 yrs. which I am dutifully doing now. since starting paying I never received a single letter or call anymore, much to my delight.
Kaso sir when I checked sa bank just last week regarding my current existing amount I have left to pay (nkapaghulog na po ako ng 13.7k at balak ko kasi mghulog ng 5k at magtanong kung magkano ang pretermination pay kung sakali) nagulat ako at lumubo from the agreed 46k naging 63k na sya kasi daw inde ako ngbabayad on time so mey penalty at late charges pa ako na nakuha. ipinakiusap ko kaso inde daw ako matutulungan ng bangko tungkol dyan. so I called up yung collector at sabi nila kasi inde ko daw kinumpleto ang reqts. ko sa kanila which is I have to have a guarantor para sa promissory note ko 7 months ago. all they can give me now is a new repayment scheme base na sa 63k na utang. kasalanan ko naman daw at lumaki na ng ganun. buti daw at nalaman at naasikaso ko agad kaso andyan na bayaran ko na lang daw. need your help on this sir. gusto ko sugurin ung collection office na yun at manuntok ng mga tao dun. maraming salamat po.
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