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Unpaid BPI Credit Card Debt

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1 Unpaid BPI Credit Card Debt on Thu Sep 21, 2017 6:08 pm

Livie


Arresto Menor
Hi,

I'm a single mom. My son got sick in 2016 and unfortunately hindi covered ng health card yung professional fee ng doctos sa ICU. I needed to pay 50k for it. Due to that hindi na ko nakabayad ng credit catd bill. 200k yung balance ko. I tried to do a settlement with them pero they need me to pay 30k before I can do a repayment plan for 10k monthly. I was asking them if pwede habaan para mas mababa monthly payment pero hindi daw pwede. I've received a letter now from a law office na if di ko daw nasettle yung account they will file a case sa makati regional trial court. Is there anyway for me to file Bankrupcty para maayos ko yung repayment plan based on what I earn? Is this going to be a criminal case that can affect future employments?

Thank you kindly for anyone who will reply.

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2 Re: Unpaid BPI Credit Card Debt on Sat Sep 23, 2017 8:54 am

arnoldventura


Arresto Mayor
Unpaid debts are only civil in nature, and not criminal. There is no imprisonment for non-payment of debt. Try reading this, by the way. I hope this helps you understand better the legalities of debt collection. https://www.alburovillanueva.com/credit-debt-collection

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