I used my credit card but then left the country to study abroad. After a few emails from lawyers, asking me for payment, which I was unable to pay, I eventually got an info from my friends in the Philippines that there was a estafa case filed against me.
Now, according to the lawyer that called my previous employer, I will be put on "blacklist". Initially I couldn't understand what they meant by that, but according to the lawyer, my name will be put on Blacklist on all "domestic" and "international" terminals. I assume that they were referring to "Hold Departure Order".
I am aware that Estafa is a serious offense... and it is also the only non-criminal offense that has jail time.
1. Is it even legal/possible for a credit card debt to escalate to estafa? Note: I did not issue any cheque as payment
2. Can they really put a HDO on my name?
3. If there is a blacklist/HDO, would it apply only within Philippines or would they also be able to submit that to other countries?
4. If ever I am caught in another country, would there be an Extradition for mere estafa case?
Thank you in advance.