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Co-maker for long overdue loan

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1 Co-maker for long overdue loan on Wed Dec 12, 2012 1:29 pm

chloe04


Arresto Menor
Good day.
May nareceive po ako a few days ago ng demand letter from a law office, saying na nagcomaker daw ako for someone, and ngayon sinisingil ako ng outstanding loan nung tao na umabot na ng Php 200,000 (including penalties and interests). This person was my office mate from my previous job. I left that job in 2006, so this loan is most likely at least 6 years past due.
1. Im not sure If I indeed sign for this person, given that she already had a bad record then. Pwede ko po bang i-contest yun?
2. But if I indeed signed for this person, pwede pa po ba akong habulin nitong bangko, at singilin para sa utang nya? This loan is probably 6 to 7 years past due already. Nakalagay sa letter na marami na daw silang demands from me, pero ngayon lang ako nakareceive ng advise/demand from them, tapos final na agad.


Hope to receive your advice on this matter as this is already affecting my health and my family. Thank you very much in advance.

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2 Re: Co-maker for long overdue loan on Wed Dec 12, 2012 3:10 pm

Pedro Parkero


Reclusion Perpetua
kugn di ak sure, i sure mo. pwede mong sulatan si law opis at hingin ang kopya ng pinirmahan mo kuno kasi di mo na matandaan...

at saka mo na isipin ang pangalawang hakbang kapag sinagot ka nila

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3 Re: Co-maker for long overdue loan on Wed Dec 12, 2012 3:15 pm

chloe04


Arresto Menor
Thanks for the reply. But if records show na nag sign nga ako, pwede pa ba nila akong singilin? Ang tagal na kasi. May maximum number of period ba para singilin nila ako? Is there such a thing as writing off ng loans pag ganito katagal na?

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4 Re: Co-maker for long overdue loan on Wed Dec 12, 2012 3:25 pm

Pedro Parkero


Reclusion Perpetua
hanggang doon na lang po ako. mahirap kasi sagutin ang tanong na may halong "im not sure" at "most likely"... Smile

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5 Re: Co-maker for long overdue loan on Thu Dec 13, 2012 11:47 am

chloe04


Arresto Menor
Sorry kung medyo may mga not sure. Pero pwede pa ba akong habulin nung bangko after 7 years? Thanks in advance.

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