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  1. Naisipan ko lang gumawa ng thread na ganito... Totoo bang pwede akong makulong pag hindi ko nabayaran yung credit card bills ko? P40k lang ang credit limit ko dun sa card na yun... pero umabot na sa P160k ang sinisingil nila sa'kin... And to think... kaya hindi ako nagbayad ay dahil may questionable transaction na worth P8k way back 2009. Hindi ko na ginagamit yung card simula pa nung 2010... at binayaran ko yung alam kong ginamit ko... except dun nga sa questionable transaction... Mula nung 2011 ay nakailang palit na nang collection agency (law office) na nagpapadala sa'kin ng mga demand letters... Pero nung Monday... may pumuntang pulis sa bahay ko (wala ako sa bahay, asawa ko ang nakausap)... sinasabing may warrant daw ako... Nag-iwan ng telephone number... nung tingnan ko... number ng law office na nagpadala ng final demand letter dated January 23. Nakasulat sa demand letter na pag hindi daw ako nagbayad within 5 days ay kakasuhan ako ng RA44. Questions: Pwede ba akong makulong dahil dun? What if makipag-negotiate na ako... pwede pa ba mabawi yung kaso? May naka-schedule akong byahe papuntang Singapore sa Holy Week.. makakaalis pa ba ako o mahohold ako sa Immigration? Makakakuha pa ba ako ng NBI clearance? I hope merong makakasagot sa mga tanong ko...
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