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what will happen if you dont pay the Credit card debts

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john hard


Arresto Menor
helow po mga attorney hingi sa na po ng advice

what will happen if you dont pay the Credit card debts ?

ang pagkakaalam ko po kasi sir di po makukulong pag di ka nagakapagbayad ng credit cards meaning civil liable lang po daw but mayroon po ba ground or intances para maging criminal liable sa di pagbayad ng credit card?

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attyLLL


moderator
the applicable law is the access device regulations act. you are correct that it is only a civil liability. just don't change your address or work without informing the credit card company or else that will be considered prima facie evidence of fraud.


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Susan Santos


Arresto Menor
hello. good afternoon. In case of application for NTSP, yun po bang duly notarized letter-request should be prepared by the person requesting for NTSP or meron pong form na makukuha sa immigration? Thank you po for your time to reply.

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attyLLL


moderator
hello susan, i am not familiar with the acronym NTSP, and how it is related to the thread topic of credit cards.


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jamjoe


Arresto Menor
hi attorney,

nag work ako sa dubai last 2008-2009 and was terminated my the company due to global crisis, the y had no choice but to cut off the manpower, so ayun n nga po napauwi ako, during my stay dun halos lahat ng bank dun ung mga agent na nila ang lumalapit sa tao 2 avail credit card. in short i had credit cards there. I was a good payee during that time and di pa sagad ang limit. so nung naterminate kami at pinauwi obviously my unsettled bills kami dun.

until these past month my collecting agency ata d2 na naniningil at NANGHAHARASS na para bayaran ung balance ko s credit card s dubai.

pano po ang gagawin ko kung naterminate ako at napauwi ng di ko nman ginusto at maiwan ang mga obligations ko dun. my jurisdiction po ba ang philippine government regarding dun?? makukulong po ako? eh bat po ung mga ksama ko naka balik ng dubai widout settling those account..

pls give me advice.. tnx

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attyLLL


moderator
you are not alone:

http://www.pinoylawyer.org/introduce-yourself-f30/unpaid-credit-card-and-personal-loan-t2320.htm

http://www.pinoylawyer.org/obligations-contracts-credit-transactions-f48/unpaid-loan-in-the-uae-t2092.htm

for collection, they can file a collection case against you here in the philippines.

i heard that it is a crime in dubai not to pay loans. criminal jurisdiction is territorial and uae law cannot be enforced here.


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William001


Arresto Menor
john hard wrote:helow po mga attorney hingi sa na po ng advice

what will happen if you dont pay the Credit card debts ?

ang pagkakaalam ko po kasi sir di po makukulong pag di ka nagakapagbayad ng credit cards meaning civil liable lang po daw but mayroon po ba ground or intances para maging criminal liable sa di pagbayad ng credit card?

hey dear,

If you don't pay your credit card bills there are several unpleasant things that will happen like creditors calling, being reported to the credit bureaus, and legal action taken against you.

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