Moneymaker69 Posted January 20, 2018 Share Posted January 20, 2018 From what I know hindi ka naman makukulong pero mablablack list ka sa lahat ng bangko. Hindi ka na makakautang and mahihirapan ka magapply ng mga telephone, cable, etc. Hindi kakakaping rin sa NBI, at huli ang yung hassle. Payo ko ay ayusin mo na sa bank para malinis ang pangalan. my two cents lang. Quote Link to comment
carpediem098 Posted July 1, 2018 Share Posted July 1, 2018 Hello po, I would like to ask po. my pinadala po na sulat galing sa Collection Agency, Alexis A. Molaer Law Offices yan po ang name, they send me the letter po na my discount po ako sa aking dapat bayaran po sa kanila. Yung 111k ko po ay maging 81k nlg po daw sabi sa letter tapos they give me less than 6 days po to pay fullpayment of 81k at yung account ko ay ma settle na po. Ano po yung dapat ko gawin? kasi po sabi nila if I fail daw to pay them they will file a civil case agains me sa Pasay po. Hindi ko po naman ma bayaran yung 81k ng full agad2. Ano po yung dpat kung gawin po? advice naman po. Salamat po Quote Link to comment
rocco69 Posted July 2, 2018 Share Posted July 2, 2018 (edited) Hello po, I would like to ask po. my pinadala po na sulat galing sa Collection Agency, Alexis A. Molaer Law Offices yan po ang name, they send me the letter po na my discount po ako sa aking dapat bayaran po sa kanila. Yung 111k ko po ay maging 81k nlg po daw sabi sa letter tapos they give me less than 6 days po to pay fullpayment of 81k at yung account ko ay ma settle na po. Ano po yung dapat ko gawin? kasi po sabi nila if I fail daw to pay them they will file a civil case agains me sa Pasay po. Hindi ko po naman ma bayaran yung 81k ng full agad2. Ano po yung dpat kung gawin po? advice naman po. Salamat poPlease read all the previous posts on this thread. Seven pages lang naman ang thread na ito. Malalaman mo karapatan mo after reading [although, siyempre, ang utang dapat bayaran!] Edited July 2, 2018 by rocco69 Quote Link to comment
flatwall Posted August 31, 2018 Share Posted August 31, 2018 Mhirap mnngil s walang pera... Kylngn my kasulatan.. Quote Link to comment
phoenix101 Posted September 2, 2018 Share Posted September 2, 2018 Kung halimbawa na isinanla ng asawa ko Ang kotse namin na sa akin nkapangalan at Hindi ko alam na isinanla nya sa isang Tao. Pwede ko bang bawiin Ang sasakyan na Hindi babayaran Yung utang? Ano pwede kong gawin? Quote Link to comment
Roubaix Posted September 3, 2018 Share Posted September 3, 2018 Kung halimbawa na isinanla ng asawa ko Ang kotse namin na sa akin nkapangalan at Hindi ko alam na isinanla nya sa isang Tao. Pwede ko bang bawiin Ang sasakyan na Hindi babayaran Yung utang? Ano pwede kong gawin? First, how did your spouse do it? It was in your name, the loan document must be signed by you. If you got the car back, there is still the money lent out. The lender will just go after your spouse. Quote Link to comment
rocco69 Posted September 4, 2018 Share Posted September 4, 2018 (edited) Kung halimbawa na isinanla ng asawa ko Ang kotse namin na sa akin nkapangalan at Hindi ko alam na isinanla nya sa isang Tao. Pwede ko bang bawiin Ang sasakyan na Hindi babayaran Yung utang? Ano pwede kong gawin?Ayun sa Family Code: Art. 96. The administration and enjoyment of the community property shall belong to both spouses jointly. In case of disagreement, the husband's decision shall prevail, subject to recourse to the court by the wife for proper remedy, which must be availed of within five years from the date of the contract implementing such decision.In the event that one spouse is incapacitated or otherwise unable to participate in the administration of the common properties, the other spouse may assume sole powers of administration. These powers do not include disposition or encumbrance without authority of the court or the written consent of the other spouse. In the absence of such authority or consent, the disposition or encumbrance SHALL BE VOID. However, the transaction shall be construed as a continuing offer on the part of the consenting spouse and the third person, and may be perfected as a binding contract upon the acceptance by the other spouse or authorization by the court before the offer is withdrawn by either or both offerors. (206a) Lumalabas walang bisa ang sangla kung wala kang pag-sang-ayon dito o pineke ang pirma mo.Pwede mong bawiin ang sasakyan. Ngunit, subalit, datapwat... Saan ba ginamit ang pera ng iyong asawa? Kung ito ay ginamit sa kapakinabangan ng inyong pamilya, ito ay utang na sagutin ng inyong ari-arian, kung kaya't pwedeng maghabol ang pionagsanglaan sa inyong mga ari-arian.Pero, nasa pinagsanglaan ang burden of proof para patunayan na nakinabang ang inyong pamilya sa pera. Hangga't hindi niya napapatunayan ito, walang pananagutan ang inyong ari-arian sa utang. Ito ay magiging utang ng esposo mo lamang, at ang pagbabayad nito ay dapat kunin lang sa hiwalay niyang ari-arian. P.S. Kung pineke ang pirma mo, baka sampahan siya ng kasong falsification o estafa ng pinagsanglaan. Isa pa, kung pineke ang pirma mo, kailangan mo munang patunayan na peke ang pirma mo. Baka kailanganing pumunta ka sa PNP Crime Lab o di-kaya'y sa NBI para ipasuri ang mga dokumento sa pagsasangla. mas madali para sa kaso mo kung wala ka talagang pirma at loko loko yung pinagsanglaan, tinanggap kahit wala kang pirma. Yari siya nun. Edited September 4, 2018 by rocco69 Quote Link to comment
SAKIT SA ULO Posted October 23, 2018 Share Posted October 23, 2018 Hi po, ask ko lang may utang ako sa credit card ko na 87k, nag text sakin yung collecting agency na magpa file daw sila ng case under ng rule on small claims cases, magkakaroon daw ng hearing ..possible po ba na totoo eto, at makakasuhan ako? Quote Link to comment
jc44 - RETIRED Posted October 23, 2018 Share Posted October 23, 2018 Hi po, ask ko lang may utang ako sa credit card ko na 87k, nag text sakin yung collecting agency na magpa file daw sila ng case under ng rule on small claims cases, magkakaroon daw ng hearing ..possible po ba na totoo eto, at makakasuhan ako? Yes. Credit card debt is considered a loan obligation. Such obligations can be the subject of a small claims case, and 87k is within the limit for such cases. Small claims cases exclude lawyers. Only the parties involved are present. The hearing is closer to mediation than a formal hearing. A representative of the credit card company (or the collection agency if the agency bought out your debt) will appear and simply state their claim against you. Generally, the judge will ask you about your capacity to pay, and will most likely come up with a payment schedule that you can manage. Best to be prepared with a payment schedule in mind that you can manage with your current income. Quote Link to comment
jean.grey Posted November 16, 2018 Share Posted November 16, 2018 Hi. I just want to ask kasi kumuha ako ng appliances thru a Financial Institution bale installment sya. I have been trhough rough times and lost my job earlier this year that I can no longer afford to pay it and sabi ko sa collector last August kung gusto nila kunin ang appliances hatakin na lang kasi ayaw ko na din ng sakit sa ulo at hindi pa ganun ka stable ang trabaho ko. Ngayon I received a call from a Maj ______ ng CIDG na nagsasabi na may complaint ako from Atty. _____ law office ngayon ineexplain ko ang nangyare dun sa abogado over the phone sbe niya dapat bayaran ko dw lahat kay dun sa Financial Institution kahit na ipahatak ko pa. Sobrang harrasment na kasi ung ginagawa nila matagal na ako nag agree sa collector na hatakin na lang nadadamay pa ang ate ko. Ano po ba pwede ko gawin sa kanila? kasi sabi may kaso na daw ako eh wala naman ako na receive na summon tapos manghihingi sila saken ng certain amount Quote Link to comment
jc44 - RETIRED Posted November 16, 2018 Share Posted November 16, 2018 (edited) Hi. I just want to ask kasi kumuha ako ng appliances thru a Financial Institution bale installment sya. I have been trhough rough times and lost my job earlier this year that I can no longer afford to pay it and sabi ko sa collector last August kung gusto nila kunin ang appliances hatakin na lang kasi ayaw ko na din ng sakit sa ulo at hindi pa ganun ka stable ang trabaho ko. Ngayon I received a call from a Maj ______ ng CIDG na nagsasabi na may complaint ako from Atty. _____ law office ngayon ineexplain ko ang nangyare dun sa abogado over the phone sbe niya dapat bayaran ko dw lahat kay dun sa Financial Institution kahit na ipahatak ko pa. Sobrang harrasment na kasi ung ginagawa nila matagal na ako nag agree sa collector na hatakin na lang nadadamay pa ang ate ko. Ano po ba pwede ko gawin sa kanila? kasi sabi may kaso na daw ako eh wala naman ako na receive na summon tapos manghihingi sila saken ng certain amount General advice: contact the financial institution and deal with them directly. If they insist that you instead contact the collector, inform them that you made a prior agreement that the collector reneged on, and so you do not trust them to act in the best interest of the financial institution. Remember, all the FI cares about is getting its money back with interest. As long as you can show that you're willing and able to deal, they'll deal. Once you reach an agreement with the financial institution on how to settle your debt, make sure that the agreement is reduced to writing. As for the collector: Collection suits are civil in nature and shouldn't involve the police. I'll leave it at that. Edited November 16, 2018 by johncarter44 Quote Link to comment
goltebfive Posted November 21, 2018 Share Posted November 21, 2018 Hi sirs and ma'am need advice lang po i received an email demand letter from DOS1 ( partner daw ni globe sa paniningil sa mga post paid plans) and demanding me to pay ung unsettled bill q sakanila... ano po ba legal implications nun at magreresort daw po cla sa pgffile ng case ...ngsearch po ako at ung DOS1 po e isang BPO callcenter na business... thanks po in advance for any help Quote Link to comment
rocco69 Posted November 21, 2018 Share Posted November 21, 2018 Hi sirs and ma'am need advice lang po i received an email demand letter from DOS1 ( partner daw ni globe sa paniningil sa mga post paid plans) and demanding me to pay ung unsettled bill q sakanila... ano po ba legal implications nun at magreresort daw po cla sa pgffile ng case ...ngsearch po ako at ung DOS1 po e isang BPO callcenter na business... thanks po in advance for any helpano po ba legal implications nun at magreresort daw po cla sa pgffile ng case? Your questions answers itself, magfafile daw sila ng case, entonses, magkakakaso ka. Makukulong ka ba dahil sa utang? Hindi, walang nakukulong dahil sa utang. Section 20, Article III of the Philippine Constitution states: “No person shall be imprisoned for debt or non-payment of poll tax.” Quote Link to comment
Big Mac26 Posted May 16, 2019 Share Posted May 16, 2019 Wala bang nakukulong sa utang na scam kasi kami ng 200k sumali kami na parang peramyding daming naloko ng mag asawa na kakilala nanin mga worth millions ang ibang naging biktina pero hanggang ngayon hindi pa din nakukulong puro hearing lang ng hearing kawawa mga naloko at naniwala sa mag asawa na yun na kikita daw monthly ng 10 percent ang invest mo kaya daming naloko ng mag asawa ngayon ant siste pa at large pa din cla at nakakagala kawawa mga taong niloko nila ano ba magandang justice pwede namin makuha .... Wala bang nakukulong sa utang na scam kasi kami ng 200k sumali kami na parang peramyding daming naloko ng mag asawa na kakilala nanin mga worth millions ang ibang naging biktina pero hanggang ngayon hindi pa din nakukulong puro hearing lang ng hearing kawawa mga naloko at naniwala sa mag asawa na yun na kikita daw monthly ng 10 percent ang invest mo kaya daming naloko ng mag asawa ngayon ant siste pa at large pa din cla at nakakagala kawawa mga taong niloko nila ano ba magandang justice pwede namin makuha .... Wala bang nakukulong sa utang na scam kasi kami ng 200k sumali kami na parang peramyding daming naloko ng mag asawa na kakilala nanin mga worth millions ang ibang naging biktina pero hanggang ngayon hindi pa din nakukulong puro hearing lang ng hearing kawawa mga naloko at naniwala sa mag asawa na yun na kikita daw monthly ng 10 percent ang invest mo kaya daming naloko ng mag asawa ngayon ant siste pa at large pa din cla at nakakagala kawawa mga taong niloko nila ano ba magandang justice pwede namin makuha .... Quote Link to comment
jc44 - RETIRED Posted May 17, 2019 Share Posted May 17, 2019 Wala bang nakukulong sa utang na scam kasi kami ng 200k sumali kami na parang peramyding daming naloko ng mag asawa na kakilala nanin mga worth millions ang ibang naging biktina pero hanggang ngayon hindi pa din nakukulong puro hearing lang ng hearing kawawa mga naloko at naniwala sa mag asawa na yun na kikita daw monthly ng 10 percent ang invest mo kaya daming naloko ng mag asawa ngayon ant siste pa at large pa din cla at nakakagala kawawa mga taong niloko nila ano ba magandang justice pwede namin makuha ....Kung civil yung kaso, wala talagang kulong yun. Collection suit lang yan. Kung kinasuhan sila ng criminal, tulad ng estafa halimbawa, puwede namang nagbayad yung mag-asawa ng bail para hindi muna sila makukulong habang tumatakbo yung kaso nila. Either case, puwede naman silang makipag-settle, pagkatapos ay ipadidismiss na yung kaso. Hindi naman porke't obvious na may ginawang mali, dapat kulong agad. May proseso tayong sinusunod. Quote Link to comment
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