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unpaid loan in hongkong

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1 unpaid loan in hongkong on Fri Aug 03, 2018 2:16 pm

anne351


Arresto Menor
Hello Atty,
I have unpaid loan in Hongkong year 2011 na hindi ko nabayaran in the amount of $21,000 hongkong dollar. 3 weeks ago, naka receive ng call ang mama ko from the police station sa bayan namin na gusto nila dalhin mama ko sa police station to settle my debt. Tapos ngayon tumatawag sila sa kapatid ko demanding to tell me to pay the debt or i padlock daw bahay ng mama ko if hindi makabayad. Tapos 2 days ago, someone sent messages sa mga cousins ko sa fb regarding my unpaid loan. Ang tanong ko attorney, pwede ba ako mag pay only the principal amount or reduce the interest they are asking? sabi nila, I owe $104,000 hongkong dollar na including the interest. Hindi naman ako mayaman na makabayad ako ng ganuon ka laki. Pangalawa, can they file a case against me for not paying the loan in Philippines na sa Hongkong naman ako nangutang? Tatlo, how to stop them harassing my family?. Lastly, makulong ba ako if hindi ako makabayad?

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2 Re: unpaid loan in hongkong on Thu Aug 09, 2018 12:33 am

arnoldventura


Reclusion Perpetua
1. Pwede mo bayaran lang ang principal but don't expect that your creditor will stop there. Kung gusto mo talagang i-contest ang interest rate mo, sa court mo lang yun magagawa.

2. They can file a collection case against you kahit sa Hongkong ka nangutang. Sa criminal cases lang applicable yung rule na kung saan nangyari, doon ang demanda. Pag civil cases (tulad ng collection), valid venue either yung residence ng plaintiff or residence ng defendant. Since taga dito ka sa Pilipinas, pwede ka dito sa Pilipinas idemanda.

3. Isumbong mo sa Bangko Sentral yung creditor mo. Better yet, ignore mo na lang, dahil puro salita lang yan. Hindi totoo yung mga pulis kuno na pupunta sa bahay mo or ipapadlock ang bahay ng mother mo, dahil kung sino man ang gagawa nun, pwede mo idemanda ng damages.

4. Hindi ka makukulong. Ulitin ko lang: collection case lang ang pwedeng isampa laban sayo, at ang collection case ay CIVIL case, hindi criminal case. https://www.alburovillanueva.com/proven-ways-debt-collection

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