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BANK OBLIGATIONS UNPAID - NEED LEGAL ADVISE

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1 BANK OBLIGATIONS UNPAID - NEED LEGAL ADVISE on Sat Jun 24, 2017 9:05 am

LYDS65


Arresto Menor
Dear Atty,

Due to wrong decisions, I have 3 to 4 unpaid obligations to different banks in the Philippines. Right now, I am working in Singapore to at least support my family. I am the only bread winner in the family.

Atty. ano po kaya ang gagawin ko kasi talagang pressure the kami sa mga banko.. dinala nila accounts ko sa collections companies at mga lawyer tumatawag... last time sabi ng lawyer ay kukunin ang bahay naman pambayad sa utang namin... dinala nila sa baranggay... at dahil wala talaga kaming pambayad, minabuti naming umalis nalang kaso nd naman nangyari... Pumunta sila sa bahay paulit ulit... wala talaga silang makukuha at hirap talaga... hand to mouth lang kami.

Nagawa ako ng way para makaipon at mabayaran sila isa isa kaso ito... pinipressure na naman kami pero ibang law firm na naman... gusto nila bayaran ko yong credit card obligation ko sa security bank... 25K yon pero sabi ng atty ay maghanda lang ako ng 56.5K sa loob ng isang buwan para tanggalin yong kaso ko.. kng hindi pauuwiin ako sa Pilipinas. Makikipagcommunicate daw sila sa DFA... sa immigration para pauwiin ako... pano kaya gagawin ko... halos isang linggo nako na nd nakaka2log... nagkakasakit nako ng kaiisip kong ano gagawin ko.. auko ulit mangutang para may pambayad kasi sakit ng ulo ulit panibago. Sabi naman ng atty.. problema ko daw yon... Sa Wednesday daw lang palugit ko at isampa daw ang kaso... Nd ko alam gagawin ko... yong isang banko..nagbayad lang ako ng 2K kasi yon lang talgang kaya ko... me mga anak din akong supportahan...

Sana mabigyan nyo ako kng ano gagawin ko para malutas ko problema ko... ano kaya magandang solution kng walang malaking pambayad.

Thank you
Lyd65

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thepoetsedge

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Reclusion Perpetua
http://business.inquirer.net/210737/filing-for-individual-bankruptcy

This may be your only hope in solving your financial predicament. There is also a link there that may be able to help you out. You need a lawyer's intervention to file for bankruptcy, and going to the nearest Public Attorney's Office (PAO) in a city/municipal hall is your best bet to get free legal advice regarding your matter.

Good luck.

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pepe1928


Arresto Menor
mind you..hindi lawyer ang natawag sayo..collection agent lang un..and dont let pressure you..you can sue them for tresspassing saka they cant take away anything lalo na kung walang court order..baka makulong sila nun?dare them..

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thepoetsedge

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Reclusion Perpetua
With all due respect, Sir Pepe1928, it is nerve-wracking to receive a phone call from a collection agent that works for a law firm with collection duties for a bank. That is why Ma'am Lyd is seeking for any advice on how to handle such calls and pressures from a collection agency.

You are correct that they can't really do anything in the legal sense if they lack a court order that will seize her personal and real property for the satisfaction of her debts to the bank. Just to add on that, she can't also be put in jail for her debt since a case that can be filed against her is civil in nature and civil cases do not carry any penalty of imprisonment.

However, she must handle this with the help of both a lawyer and a financial adviser so that they can help her structure out a payment scheme that she can handle while not totally depriving her of her livelihood since she has mouths to feed. It is entirely possible that she has to file for bankruptcy, especially if the debt she has is so high that it is nigh impossible for her to satisfy that even with all of her property seized.

Anyway, what is important is that she gets to talk to a lawyer and financial consultant so that her options will be explored fully.

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pepe1928


Arresto Menor
Thanks for the input sir.what i mean is do she still need to pay for lawyer?for financial adviser? kaso walang pera eh gagastos pa.

like i said dont let them pressure her,Dont let them affect her life through phone calls. If they file a case or not the decision is always "you pay" pero pano kung wala kang pambayad? make sure to priority your needs and second na ung utang..with regards sa bankruptcy not sure kung meron na dito satin and applicable na siya.

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thepoetsedge

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Reclusion Perpetua
For free legal advice, she can try to go to the PAO's office and ask there what her options are. As to free financial advice, there may be financial advisers willing to give out free advice for promoting their respective companies that are into financing.

She has to make an effort in finding these services. We can only do so much in helping her out here in this forum, unfortunately.

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pepe1928


Arresto Menor
thepoetsedge wrote:For free legal advice, she can try to go to the PAO's office and ask there what her options are. As to free financial advice, there may be financial advisers willing to give out free advice for promoting their respective companies that are into financing.

She has to make an effort in finding these services. We can only do so much in helping her out here in this forum, unfortunately.

Yup thats correct.Hopefully maayos na niya problem niya and yung burden and stress mawala na

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8 Please Advice me po!! on Wed Jul 05, 2017 9:40 am

joannelazaro


Arresto Menor
Magandang araw po!!!
Atty, naway matulungan niyo po ako sa suliranin ko may nagtext po sa akin na ganito;
"Ms. / Mrs. insert my name po
this is from the Fiscal Office of Makati City Prosecutors Office. This is to inform you that your court summon and subpoena will be served
within 48 hrs regarding to Art. 315, RA 8484 Access Devices Regulation Act of 1998 (SECTION 9 ) of the revised penal code civil case filed which is due for court warrant to be assisted by NCRPO CAMP BAGONG DIWA
TAGUIG.

Kindly coordinate REX ESPANTO clerk of court"

Atty sobrang natakot po ako sa text na ito kaya tinawagan ko po yung nagtext cya din pala ung clerk of court binigay niyà po no. ng anogado sa akin hingi daw po ako ng affidavit of desistance at TRO kasi on the way na daw po yung aaresto sken.Sa sobrang takot ko po tinawagan ko agad yung abogado na sinasabi nia nung nakausap ko po pinababayaran nia saken ang balanse ko na 45727, ang alam ko lang naman pong balanse ko 18k hindi ko po inakala na lalaki ng ganoon sa 5 buwan kong hindi paghuhulog.Sa totoo lang po nagbabayad po ako ng tama nagkataon lang po nà nagkaproblema ako sa pagbubuntis ko na naging dahilan kung bakit ako nakunan at natigil sa trabaho.Plano namin magbayad ulit ngayong July dahil tinapos po muna namin ng asawa ko mga kailangan sa pag aaral ng mga anak ko.Asawa ko lang inasahan namin sa gastusin may 2 pa kaming anak at nakikitira sa bahay ng magulang ko.Kakabalik ko lang din po sa trabaho.Nung makausap ko po yung abogado sb nia po "oh asan ka nakakulong kana ba?" dahilan para lalong madagdagan kaba t pangangatog. ng tuhod ko.Sabi niya kailangan ko daw magbayad ng buo hanggang 5pm sobrang takot ko po at awa ko parasa mga anak ko nakiusap po ako ng ibang paraan pa.Tinanong nia po ako magkano pera ko sa takot ko sabi ko po 7k yun po kasi sinahod ng asawa ko pinahulog nia po sa loan account no. ko at sabi nia yung kulang ko po kailangan ko mabayaran hanggang July 7 kundi aarestuhin na po ako.Atty walang wala na po ako mailalabas kundi ung sasahurin lang namin mag asawa kahit isang buwan na palugit kulang pa po.Wala din naman po akong ari arian.Tinanong ko po kung saan opisina nila para makapunta ako at makiusap ng personal (promissory note) pero nilihis niya po sagot nia.Wala din naman po akong nareceive na letter o notice galing sa law firm nia.
Atty umaaasa po ako na mabigyan nio ako ng kasagutan para po sa ikatatahimik ko dahil sa totoo lang po hindi na ako makapagtrabaho ng maayos maging sa pagtulog ko nadadala ko ang suliranin ko.
Maraming salamat po
jo08

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joannelazaro


Arresto Menor
naway may makatulong po sa akin dito,pasensya na po kayo hindi ko po kasi alam paano gumawa ng ganitong trend ba tawag dito? maraming salamat po

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10 Re: BANK OBLIGATIONS UNPAID - NEED LEGAL ADVISE on Wed Jul 05, 2017 12:46 pm

joannelazaro


Arresto Menor
naway may makatulong po sa akin dito,pasensya na po kayo hindi ko po kasi alam paano gumawa ng ganitong trend ba tawag dito? maraming salamat po

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11 Re: BANK OBLIGATIONS UNPAID - NEED LEGAL ADVISE on Wed Jul 05, 2017 12:57 pm

xtianjames


Reclusion Perpetua
una sa lahat hindi po nagtetext ang piskal para magnotice. mukhang kumakalat na yung gantong tactic ngayon ng mga collection agency. usually kung court talaga ang magissue ng subpoena eh via snail mail or may sheriff na magseserve.

pangalawa, ano ba yung pagkaka utang mo? credit card ba or may inissue ka na cheke or what? ano ang pinanghahawakan nila against you na tingin mo pwede nila gamitin para kasuhan ka.

pangatlo, mag relax ka lang. most probably collection agency lang yan na nananakot sayo. sabihin man natin na kasuhan ka nila, arrest warrant po ang dapat serve nila para makulong ka. tapos nakalagay pa sa text na civil case so hindi po kayo makukulong pag ganun.

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pepe1928


Arresto Menor
xtianjames wrote:una sa lahat hindi po nagtetext ang piskal para magnotice. mukhang kumakalat na yung gantong tactic ngayon ng mga collection agency. usually kung court talaga ang magissue ng subpoena eh via snail mail or may sheriff na magseserve.

pangalawa, ano ba yung pagkaka utang mo? credit card ba or may inissue ka na cheke or what? ano ang pinanghahawakan nila against you na tingin mo pwede nila gamitin para kasuhan ka.

pangatlo, mag relax ka lang. most probably collection agency lang yan na nananakot sayo. sabihin man natin na kasuhan ka nila, arrest warrant po ang dapat serve nila para makulong ka. tapos nakalagay pa sa text na civil case so hindi po kayo makukulong pag ganun.

Totally agree with this. San ka nakakita ng magseserve ng warrant na itetext pa yung pagdadalhan?may case ka na ba?kung meron tingin mo makukulong ka sa utang?wala pa ko nabalitaan unless estafa ang case mo. :p

pwede mo nga sila kasuhan ng extortion eh..save their text messages and once magpunta dyan hingin mo authorization from the bank and endorsement letter pag wala napakita alam mo na Laughing Laughing

wag ka din maniwala abugado yun..baka nga highschool lang natapos nung collector na un nagpapanggap lang para mapressure ka magbayad..old tactics Mad Mad

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pepe1928


Arresto Menor
They cant arrest you..pag nagpumilit tumawag ka ng pulis at kasuhan mo ng extortion or slander..sila pa makukulong nyan..magkaiba ang civil case sa criminal case. :p walang nakukulong sa utang base sa batas natin

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joannelazaro


Arresto Menor
ano po ba ang basehan para maging estafa yung case ko? natatakot pa din po kasi ako sa pwede nilang gawin sa akin kaya po gusto ko sana well informed na ako at may lakas n ng loob next na gawin nila sa akin ito which is probably sa July 7.

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pepe1928


Arresto Menor
joannelazaro wrote:ano po ba ang basehan para maging estafa yung case ko? natatakot pa din po kasi ako sa pwede nilang gawin sa akin kaya po gusto ko sana well informed na ako at may lakas n ng loob next na gawin nila sa akin ito which is probably sa July 7.

hindi porket nagbigay ka ng check estafa na yun..may mga elements na kailangan mameet bago masabi na estafa yun.eitherway i dont think makakasuhan ka ng estafa dahil sa credit card..second thing..yang mga due date na sinasabi nila gawa gawa lang nila yan..tignan mo mageextend pa yan..hanggang sa mga susunod na taon..

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16 Re: BANK OBLIGATIONS UNPAID - NEED LEGAL ADVISE on Thu Jul 06, 2017 10:05 am

joannelazaro


Arresto Menor
maramimg salamat po sa mga advices ninyo hindi nio lang po alam pra akong nabunutan ng tinik s dibdib s mga nalaman ko! wala po tlga akong plano n tkbuhan ung obligasyon nagkataon din na nakunan ako at hnd nkpag trabaho. marami pong slamat

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17 Re: BANK OBLIGATIONS UNPAID - NEED LEGAL ADVISE on Fri Jul 07, 2017 10:16 am

pepe1928


Arresto Menor
first priority muna yung family at mga needs mo..pag may pera kana saka ka magbayad..pero directly sa bank..wag sa collector

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18 Re: BANK OBLIGATIONS UNPAID - NEED LEGAL ADVISE on Fri Jul 07, 2017 10:33 am

joannelazaro


Arresto Menor
Mulit muli po uulitin ko npakaraming salamat po sa mga words of advice nio.Naway marami pa po kayong matulungan.Godbless po

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19 Re: BANK OBLIGATIONS UNPAID - NEED LEGAL ADVISE on Fri Jul 07, 2017 10:44 am

joannelazaro


Arresto Menor
Tinext po ito sa akin kaninang umaga
"Gud am !
MR./MS.JOANNE MARIE CALAMAYA LAZARO,we would like to inform your payment today with your HOME CREDIT ACCOUNT.As you agreed with atty you have to pay php.38,775 today july 7,2017.Kindly update the payment".
Kapag hindi ko po ba ito nàcomply my charges nnman akong case s kanila? wala nman po ako mailalabas na kasi 7k na po ung nabigay ko last friday and ofcourse kaya po ako humingi ng tulong s inyo pra po malinawan at opo sa sobrang kaba ko napa Oo po ako na magbbgay ako kasi sb po ikukulong na daw ako e.
"Gud am !
MR./MS.JOANNE MARIE CALAMAYA LAZARO,we would like to inform your payment today with your HOME CREDIT ACCOUNT.As you agreed with atty you have to pay php.38,775 today july 7,2017.Kindly update the payment.

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xtianjames


Reclusion Perpetua
ano po ang tanong nyo ngayon? kasi same scenario padin naman yan ng una mong dinulog.

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Lfhh


Arresto Menor
Hi po, i need po advice tungkol po sa unpaid credit card ko po. I admit po na madami po akong cc na unpaid po kasi nagkaron po ng financial difficulty sa family. I received a summon po from one of the cc company. Ano pong kailangan kong gawin? Sabi po kailangan ko sumagot in 15 days pero hindi ko naman po naiintindihan kung ano po yung laman nung papel. Nagtanong po ako sa PAO on what to do, ang sabi po need ko kumunsulta sa lawyer kaso po wala po akong pambayad kasi napakamahal po ng fees. At the same time po natatakot po ako kasi hindi ko po alam kung anong mangyayari. Please help

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joannelazaro


Arresto Menor
hi sir xtianjames opo same scenario lang pasensya na po narattle po ako that time maraming salamat po

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pepe1928


Arresto Menor
Lfhh wrote:Hi po, i need po advice tungkol po sa unpaid credit card ko po. I admit po na madami po akong cc na unpaid po kasi nagkaron po ng financial difficulty sa family. I received a summon po from one of the cc company. Ano pong kailangan kong gawin? Sabi po kailangan ko sumagot in 15 days pero hindi ko naman po naiintindihan kung ano po yung laman nung papel. Nagtanong po ako sa PAO on what to do, ang sabi po need ko kumunsulta sa lawyer kaso po wala po akong pambayad kasi napakamahal po ng fees. At the same time po natatakot po ako kasi hindi ko po alam kung anong mangyayari. Please help

summon from court or from cc company? Rolling Eyes Rolling Eyes Rolling Eyes

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pepe1928


Arresto Menor
joannelazaro wrote: Tinext po ito sa akin kaninang umaga
"Gud am !
MR./MS.JOANNE MARIE CALAMAYA LAZARO,we would like to inform your payment today with your HOME CREDIT ACCOUNT.As you agreed with atty you have to pay php.38,775 today july 7,2017.Kindly update the payment".
Kapag hindi ko po ba ito nàcomply my charges nnman akong case s kanila? wala nman po ako mailalabas na kasi 7k na po ung nabigay ko last friday and ofcourse kaya po ako humingi ng tulong s inyo pra po malinawan at opo sa sobrang kaba ko napa Oo po ako na magbbgay ako kasi sb po ikukulong na daw ako e.
"Gud am !
MR./MS.JOANNE MARIE CALAMAYA LAZARO,we would like to inform your payment today with your HOME CREDIT ACCOUNT.As you agreed with atty you have to pay php.38,775 today july 7,2017.Kindly update the payment.

almost same scenario pero iba ata policy ng mga lending company..normally sila yung nagfifile talaga ng case

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Lfhh


Arresto Menor
pepe1928 wrote:

summon from court or from cc company? Rolling Eyes Rolling Eyes Rolling Eyes

Summon po from court. Pasig mtc po. More than 200k po yung unpaid balance ko po. Wala po akong means now to settle

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