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Unpaid Credit Card Debt

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1 Unpaid Credit Card Debt on Sun Sep 10, 2017 5:24 pm

Anan14


Arresto Menor
Hi, i'm outside the Philippines right now and I have an unpaid credit card debt.

A collection agency started to get in touch with me regarding it.

My question is.. is there any kind of civil or criminal case filed against me? how to make sure there's none? or does transferring the debt to an agency mean there's no case?

Last question.. is any of this going to affect my NBI certificate?

Thanks!

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2 Re: Unpaid Credit Card Debt on Sun Sep 10, 2017 7:48 pm

xtianjames


Reclusion Perpetua
no one can no if a case has been filed against you. you can check with the bank if they filed a case against you.

unless they filed a criminal case against you, then no.

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3 Re: Unpaid Credit Card Debt on Sun Sep 10, 2017 8:03 pm

Anan14


Arresto Menor
Thanks! But usually the bank or collection agencies file civil case not criminal, right?

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4 Re: Unpaid Credit Card Debt on Mon Sep 11, 2017 1:52 pm

xtianjames


Reclusion Perpetua
it depends. if simple debt collection, civil case. if you have issued a cheque and it bounced, it will be a criminal case. also, if they will claim that you defrauded them, this can also be a criminal case.

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