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questions about co-maker

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1 questions about co-maker on Thu Apr 16, 2015 11:24 am

claire B. bautista


Arresto Menor
hi, good day po, may tanong po ako tungkol sa co-maker. kumuha ng tricycle ang pinsan ko sa isang company, 6 months installment, kinuha nya po akong co-maker, kaya lang po nagkasakit bigla yung pinsan ko, na stroke po sya. kaya di sya makapagbayad ng monthly installment dun sa company ng tricycle. at ang problema binenta narin nya yung tricycle sa iba. at binayaran na siya ng buo nung binentahan nya.. ginamit nya yung pera sa pagpapagamot. ang problema, ayaw nya pong sabihin sa akin kung kanino nya binenta,kc baka daw sabihin ko sa company. kasi pilit pong pinapa surrender ng companya yung unit, which is hindi nya po daw pwede sbihin kc, bayad na sknya yung bumili,nahihiya sya dun sa bumili sa knya. kaya ngayon ako ang pinipilit ng company na mag bayad o isurrender yung unit which is hindi ko nga po alam kung nasaan. pero nangangako naman yung pinsan ko (principal) na babayaran nya sila. kc my mga property pa na man ang pinsan ko na pwedeng ibenta. at yun ang pambabayad sa kanila.. ako kc ay wala din kakayahan na mag bayad, napilitan lang akong pumirma as co-maker dahil sa naki usap sakin yung pinsan ko... pwede ba nila akong (co-maker) iharass na magbayad kahit nakikipag negotiate pa sa kanila ang principal na magbabayad sya sknila na once na mabenta ung property nya. ano po ang pwedeng mangyari sa co-maker (sa akin) kung sasampahan nila ng legal case? pwede po ba akong ikulong? wala po kaming chekeng innisue sa kanila na tumalbog. ano ang pwedeng nilang worst na magagawa sa akin as co-maker kung di rin ako mkapagbayad..salamat po.

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2 Re: questions about co-maker on Thu Apr 16, 2015 12:12 pm

LandOwner12


Reclusion Perpetua
sariling interpretasyon to ah...

wla namang nakukulong sa utang, basta di lang tinatangi.. at since nariyan naman ang principal, sya dapat ang makikiusap sa lendor na bigyan ng palugit or iprenda ang mga gamit nya,,
but as u being the co-maker,, eto..

copied from Bangko sentral ng Php. and i quote..

"
When the principal borrower fails to pay the loan, is the co-maker required to pay it?
Yes, the lender does not need to proceed or collect first from the principal borrower and may immediately take the following actions against the co-maker if the principal borrower is unable to pay:

• Collect the full amount of the loan, including interests and other charges, from the co-maker; or
• Sue the co-maker along with the principal borrower in an attempt to collect payment; and
• Demand the payment of late fees or collection costs from the co-maker

What is the remedy of a co-maker who is made to pay the loan and the interest thereon?
The co-maker can demand the principal debtor to reimburse whatever amount he was made to pay. "

malinaw na???

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3 Re: questions about co-maker on Thu Apr 16, 2015 12:16 pm

raheemerick


Reclusion Perpetua
actualy im not a lawyer. pero ganto yan. co-maker is also stand as a co-buyer. but sa co-maker lng mag kakaron ng responsibilidad to pay this debt kapag dead na si principal buyer.
then again.. itong si trycicle will be recorded as delenquent or hndi maipapa rehistro ng bumili kc. as instalment na vihicle. ang .o.r.c.r original nyan ay naka name pa sa comp na pinag kuhanan. malilipat lng yan s abuyer kapag fully paid na. dnt wory. as long as nakikipag comunicate and re-constract si principal buyer sa comp wer the said vihicle bought? safe na safe ang co-maker. kc secondary ka lng sa obligation. pag totaly disapear na si principal? ska lng papasok sa eksena si co-maker. thats the sense why my co-maker sa mga instalment item. back up yan pag babayad pag nawala si principal buyer.

another thing. wlang nakukulong sa ganyang case. kapag hndi na pull-out ang item sa pinsan mo? i turn-over ng comp ang case sa bank na financer nila. if you notice sa pinirmahan nyong contrata sa pag kuha ng tricicle, naka saad don na cash amount ang kunuha nyo ni principal at di unit. if im not mistaken ganun yan. kc sa bank ang financer ng mga ganyan eh. anyhow. if thats will happen. i turn over yan s abank at sila maniningil sa inyo. if di pa din nag bayad si principal. jan papasok ang legal case sa mga legal ofc. but it takes a years bago mangyari yan. pero dont wory as i said. wlang nakukulong jan. kapag dumating sa point na nasa legal na ang case? pwdeng makipag reconstract jan and paid them in a very light term. mas payag ang legal sa re-constract coz they will gain nothing if idemanda nya kau. gets? trust me.. kaya alagaan mo mabuti si prinsipal at wag mo pabayaan hahaha:)

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