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credit card loan promissory note - to sign or not to sign

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Arresto Menor
ask ko lang po kasi my acct has been transferred to a third party. and the bank has sent me a promissory note form asking me to pay P45,000 in 3 years (P1,250 every month), while my balance is just P32k). legal po ba un? or is it too high? can i nego the length of payment? and ok lang po bang hindi ko pirmahan ung promissory note and just pay every month? thanks

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