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non payment of loan from a lending firm

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1 non payment of loan from a lending firm on Wed May 11, 2011 3:41 pm

airenenavarro


Arresto Menor
hello po....i need your advice po...nagsalary loan po ako sa isang lending firm way back 2008with an amount of 28,000pesos na may interest na 3%per month nakapagbayad lang po ako nang 6000 then hindi na po ako naapagbayad dahil nawalan po ako nang trabaho...ngayon po ay nakareceive ako nang notice of hearing at pinuntahan po ako nang isang attorney sa aming bahay na sya pong nagdala at nagbigay nang subpoena sa akin...scheduled po ang hearing this june 8, 2011. sa letter po nila ay umabot na po ang utang ko nang 60,000. Plano ko pong bayaran ang utang ko pero hindi pa ako makapagbayad ngayon at plano ko lang sanang bayaran ay yung amount na niloan ko dahil hindi ko na po kayang bayaran kasama ang interest. Ayaw ko rin pong umabot na maniningil sila sa akin sa skol na pinagtatrabahuan ko dahil mahihiya po ako sa aking mag estudyante at kapwa guro. Pag hindi po ako nakapagbayad agad sa hinihingi nila pwede po ba nila akong puntahan sa skol at doon maniningil? pwede din po ba clang makipag usap sa principal tungkol sa utang ko?
Pwede po bang bayaran lang ang principal amount? Mabibilanggo din po ba ako sa utang kong ito? hindi po ako nag issue nangcheck?

pleas po tulungan nyo ako

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2 Re: non payment of loan from a lending firm on Wed May 11, 2011 10:24 pm

airenenavarro


Arresto Menor
help naman po

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3 Re: non payment of loan from a lending firm on Thu May 12, 2011 3:02 pm

attyLLL


moderator
if they have filed a case, then it would be improper for them to continue harassing you elsewhere. how do you know that the person who brought the subpoena is a lawyer?

is what you received a summons to a small claims case?

failure to pay a debt is not a crime.


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4 Re: non payment of loan from a lending firm on Fri May 13, 2011 9:52 am

airenenavarro


Arresto Menor
thanks po Atty sa pagsagot agad...cguro po sheriff ang naghatid nang subpoena...yes po bale small claim case po ang natanggap ko...at sa june 8, 2011 na nga ang hearing kaso nga po hindi ko pa po talaga kayang bayaran ang amount in full.
Paghindi po ako nakapagbayad agad ay kukunin ba nila ang properties ko? pero la po akong properties under my name. sa husband ko po meron so makukuha ba nila iyon?

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5 Re: non payment of loan from a lending firm on Fri May 13, 2011 11:41 pm

attyLLL


moderator
yes, they can try to execute against properties in your husband's name.


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6 Re: non payment of loan from a lending firm on Tue Apr 03, 2012 2:05 pm

matt13


Arresto Menor
hi sir/Ma'am... hi if they will both transfer or sell their property to their son do they still able to execute?since the properties are not under their name? is it legal way for them not to acquire properties?

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7 Re: non payment of loan from a lending firm on Thu Apr 05, 2012 8:41 pm

attyLLL


moderator
if they sell the property, they better show records of an actual money transfer so that there will be no accusation that it was a transfer intended to defraud creditors.

don't donate it.


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8 Re: non payment of loan from a lending firm on Thu Apr 05, 2012 10:26 pm

makoy


Arresto Menor
Good day atty,
Ask lng po ako ng advise tungkol sa utang ng pinsan ko na nasa akin po ang signatory bali co maker ako.ginamit nya ang pera dahil may nagprenda sa kanya ng lupa in her name.Nalalaman ko na yung lupa na iprenenda sa kanya ay naprenda rin sa iba.Ang tanong ko pwede ba ako makahabol sa may ari ng lupa kunin ko yong declaration at gawing collateral sa inutang nyang pera with my name?Ano ba dapat kung gawin ?na wori na po kasi ako dahil lumaki na ,wala dito pinsan ko nasa Hongkong cya na detain.

Salamt sa reply..

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9 Re: non payment of loan from a lending firm on Thu Apr 05, 2012 10:57 pm

makoy


Arresto Menor
atty,another problem na itatanong ko involve din ako sa cousin ko parin ito,sguro sa sobrang awa ko hindi ko na nakita ang posibleng consequences na ako pala magsuffer at the end,tungkol po ito sa BP22 case na isinampa sa amin dahil nangutang cya ng pera sa lending last 2008 pa ito worth 80,000 at umabot na ito ng 135,000 dala interest,pinapirma kami ng 18checks worth 7,516.00 each,ako ang tinawagan ng lending nagbayad po ako tingi2x dahil hindi kaya sa budget ko hanggang umabot sa punto na nagfile cla ng case,pinatalbog nila 2checks,at first nagpunta kami sa korte for arraignment so ok na yong 2cheks,pinagtaka ko lng after a year mayroon na naman letter from prosecutor din mtc,covered pa rin yong checks na nabayaran namin ahead,tanong ko ilang beses ba patalbugin yong the same checks? 3 beses na sa loob ng tatlong taon,ginawa ko tinawagan ko na lng yong lending na instead magappear kami sa court magbayad na lng ako kasi malayo yong cebu sa maynila at may work din ako,pumayag cla na magbayad ako ng 20,000 tama ba ginawa ko?Sa ngayon nakapagbayad na ako sa kanila ng 112,000.00 nagbigay cla ng account number sa metrobank para doon ipasok yong payments,this year expect ko na rin po na the same thing will happen kaso wala na ako pambayad kasi yong binayad ko prior ay inutang ko rin 2 years to pay.Hanggang kailan ba ganito sitwasyon?Ano ba dapat kong gawin balak ko nga 135,000.00 lng bayaran ko tapos wala na.yong pinsan ko walang nagawa poro pasakit,ni isang sentimo wala akong nakuha sa pera na yon,sana po atty ay mabigyan nyo po ako ng gabay kung ano dapat procedure gawin ko.nasa akin po lahat ng resibo sa bangko na binayaran ko sa lending na yon dami ko pang threatened na natanggap sa lending firm na yon.
Sana po bigyan nyo ako ng sapat na gabay kong ano gawin ko...maraming salamat po.God bless

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