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Default Case para credit card

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1 Default Case para credit card on Wed Mar 28, 2018 1:17 pm

ipbgnatu


Arresto Menor
hello po! need ko po sana ng legal advice tangelo po sa problema ko.  nakatanggap po ako ng summon galing sa dabu & associates law office last feb 13 sunday.  ang hearing date mar 14.  kinabukasan ng feb 13 - feb 14 monday tumawag ang isang staff ng dabu & associates law office kinausap ako tangelo sa aking unpaid bialance sa bpi credit card ko. sabi ko gusto ko sya isettle pero kaya ko lang hulughulugan. sabi nya tatawagan nya ako. tumawag rin ako sa bpi para magsettle pero naipasa na yung kaso ko sa collection department kaya kailangan ko sila tawagan para alamin kung papaano ang gagawin ko.  hindi na tumawag yung staff ng dabu kaya ako na lang nagfollow up kung papaano na yung settlement ko. sabi icompute pa nya tawagan ako.  hanggang ngayon hindi pa sya tumatawag.  hanggat sa nalimutan ko na pinatatawag pala ako sa hearing nung march 14. hindi ako nakapunta dun dahil sa alam ko inaayos na ng dabu & associates law office kung papaano yung settlement ko.  kaso nung march 26 naka receive ako ng sulat galing sa metropolitarn court:

In today's hearing on the motion to declare in default only the counsel of plaintiff-movant is present.

On the present motion, as no proof of service is attached to their motion hereby given 15 days from today to submit the same.

To monitor its submission and compliance, set hearing on the motion on April 25, 2018 at 8:30 am.

==============

ano po ang gagawin ko? default na ho ba ako? may way pa ba ako na magkaroon ng settlement?

please po tulungan nyo po ako. hindi po ako makatulog at makakain hindi ko po alam ang gagawin ko...

salamat po.

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2 Re: Default Case para credit card on Wed Mar 28, 2018 2:00 pm

xtianjames


Reclusion Perpetua
Ang nagpapadala ng subpoena eh ang korte at hindi ang law office. sure ka ba na from MTC talaga yung sulat? nagtry ka na ba mag inquire sa court kung saan naka file yung case?

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3 Re: Default Case para credit card on Wed Mar 28, 2018 2:29 pm

ipbgnatu


Arresto Menor
thank you po sa reply.

correction po sa sulat ko kanina. yung summon po pala nakalagay sa 1st page yung pangalan ng court at branch. hindi po sya nakaenvelope 14 pages po sya sunday po dinaala sa bahay. yung natanggap kong sulat naman nung march 26 naka letter envelope nakalagay MTC. hindi ko pa po naiinquire sa court kung nakafile yung case?

ano po kaya ang tamang gawin?

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4 Re: Default Case para credit card on Wed Mar 28, 2018 2:42 pm

xtianjames


Reclusion Perpetua
una mong gawin is check mo sa court kung saan naka file yung case. dalin mo yan nareceive mo letter at nakalagay dyan yung case details. if there is really a case, then just participate para din mabigay mo side mo if kakailanganin.

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5 Re: Default Case para credit card on Wed Mar 28, 2018 2:49 pm

ipbgnatu


Arresto Menor
Salamat po ulit sa reply nyo. Gagarin ko po yung sinai nyo. Pero ano po ang big sabihin nung ruling sultan na natanggap ko? kailangan ko lang ho bang hintayin ang april 25 para mag hearing kami?

In today's hearing on the motion to declare in default only the counsel of plaintiff-movant is present.

On the present motion, as no proof of service is attached to their motion hereby given 15 days from today to submit the same.

To monitor its submission and compliance, set hearing on the motion on April 25, 2018 at 8:30 am.

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6 Re: Default Case para credit card on Wed Mar 28, 2018 2:56 pm

xtianjames


Reclusion Perpetua
self explanatory naman yung nakasaad. nakalagay lang na yung nagreklamo lang ang umattend sa hearing at during the hearing, hinanapan ng ebidensya ang nagreklamo (proof of service). binigyan sila ng 15 days para makapag provide ng hinihinging dokumento. nagset ng sunod na hearing para maipasa ang requested na dokumento.

btw, just curious, magkano ang utang mo sa bank?

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7 Re: Default Case para credit card on Wed Mar 28, 2018 3:37 pm

ipbgnatu


Arresto Menor
salamat po ng marami. pasensya na po sa abala.

yung utang ko daw po ay 350k...

ibig pong sabihin hindi pa po ako default?

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8 Re: Default Case para credit card on Wed Mar 28, 2018 6:05 pm

xtianjames


Reclusion Perpetua
actually nung hindi ka naghulog as per terms ng loan mo eh default ka na nun. kaya sila nagsampa ng case sayo eh for collection of payment para mapilit ka magbayad. kung may ari arian ka, pwede kang utusan ng korte na liquidate mo yun para maipang bayad sa utang.

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9 Re: Default Case para credit card on Wed Mar 28, 2018 8:15 pm

ipbgnatu


Arresto Menor
salamat po ulit sa reply.

ibig po bang sabihin pag nasa korte na hindi na ako pwede magrequest na hulughulagan yung utang ko? wala naman po akong ari-arian eh.

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10 Re: Default Case para credit card on Wed Mar 28, 2018 8:30 pm

xtianjames


Reclusion Perpetua
once makakuha ng favorable judgement yung bank, korte ang mag sasabi kung pano ang magiging payment terms. kahit pa may judgement na ang korte eh kung wala ka naman talaga pang bayad eh wala sila magagawa.

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11 Re: Default Case para credit card on Wed Jun 06, 2018 5:52 pm

alisa0406


Arresto Menor
Hello po. Just now nakareceive po ako ng letter xerox copy po ng complaint against me n nakafile po s Metropolitan Trial Court Makati City n nakalagay po s letter. Ang credit card debt ko po is 203k. Ang nakalagay p po s complaint is civil case for sum of money.ano po b ibig sabihin nitong letter n ito at ano po dapat kong gawin?

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12 Re: Default Case para credit card on Sun Jun 10, 2018 6:05 pm

attyLLL


moderator
alisa, you have to file an answer to the complaint. it seems like a small claims case was filed against you


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13 Re: Default Case para credit card on Sun Jun 10, 2018 6:20 pm

alisa0406


Arresto Menor
Hindi po ang court ang nagpadala sakin nung complaint copy kundi ung collector company po n nangungulit sakin. Hindi ko nmn po gustong takasan ang utang ko mangyari lng po n nagkaroon kmi ng problema mag asawa kya wla po ako pambayad n. Knino ko po iaddress ang answer ko s complaint?

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14 Re: Default Case para credit card on Sun Jun 10, 2018 7:05 pm

attyLLL


moderator
go to the court to verify


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Warning and Disclaimer: I am not your lawyer; and you are not my client. With the limitations of an  Internet forum, a thorough review of your concern is not possible. View my comments at YOUR OWN RISK. It is best to actually retain a lawyer for your individual concerns.
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15 Re: Default Case para credit card on Mon Jun 11, 2018 2:07 pm

alisa0406


Arresto Menor
Ok. Thanks po ng marami. God bless po

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