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debt with 20% interest

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1 debt with 20% interest on Fri Aug 17, 2018 8:48 pm

che22


Arresto Menor
good day po..gusto ko po sana magtanong kung ano ang dapat ko gawin.meron po ako inutangan ng 50t pesos na may 20% interest kada 15 days.wala po ako pinirmahan s kanya,verbal lang po.inutang ko po ito last december,pero hanggang ngayon po ay binabayaran ko pa rin ang tubo at hindi pa din nababawasan ang kapital na inutang ko.nahihirapan n po ako kasi napupunta po palagi sa tubo ang perang pinapadala sa akin ng asawa ko.ano po kaya ang pwede ko gawin pra matigil na ang interes at mabayaran ko na lang ang kapital na utang ko.salamat po

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2 Re: debt with 20% interest on Sat Aug 18, 2018 3:38 pm

arnoldventura


Reclusion Perpetua
Since verbal lang ang agreement ninyo, valid parin ang principal obligation mo pero WALANG INTEREST ang legally due. Sa batas kasi natin, valid lang ang obligation to pay interest pag ito ay nasusulat. https://www.alburovillanueva.com/credit-debt-collection So ang gawin mo, bayaran mo lang yung utang mo hanggang ma-cover mo ang entire 50K na principal ng loan mo. Just make sure intact lahat ng proof of payments mo. After covering the entire 50K, don't give in anymore to his demands to pay interest. Since hindi ka immune ma-demanda (walang sinuman ang immune mademanda), kung sakali man umabot sa point na idemanda ka ng creditor mo for collection, you can show as defense yung payment mo ng entire 50K (I told you to keep your proof of payments intact, right?), at kung magclaim sya ng interest, you can legally question such claims for interest payments because it is not in writing. In that scenario, wala na syang masisingil mula sayo kahit singkong duling.

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3 Re: debt with 20% interest on Sun Aug 19, 2018 12:31 pm

che22


Arresto Menor
Meron po ako pinipirmahan s knya kapag nagbabayad po ako...pro nsa knya po..hindi ko yun hawak.ano po ng dapat ko gawin..actually kung ico compute ko po lagpas na 50k ang nabibigay ko s knya...thank you po ulit

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