legal Free Legal Advice

[moed]

Good day sa mga abogado ng MTC

 

May tanong lang ako. Balak ko sanang magnegosyo ng taxi. May nga nakausap na ako ng nagbebenta ng taxi. Yung iba with franchise, at yung iba naman for renewal ang franchise. Paano ko maveverify kung walang problema sa ownership ang sasakyan lalo na kung hindi first owner ang seller at paano ko maveverify kung marerenew pa ang franchise nito at kung walang problema sa mga papeles?

 

ANy advice kung anu-ano ang mga steps na kailangan kong i-undertake sa pagbili ng franchise at taxi?

ero

Iba pa ba ang franchise sa linya?

 

Salamat ng marami

Tingnan mo yung Certificate of Public Convenience (CPC) ng taxi na bibilhin mo at doon nakalagay ang period na puede ioperate ang taxi na may CPC. Tingnan mo rin kung ang nagbebenta sa iyo ang mayari ng CPC. Kung siya ang mayari, kung gusto mo legal ang sale and transfer ng CPC, kailangan mag apply for approval of sale sa LTFRB. Kung mageexpire na CPC, alamin kung puede pa iextend. Meron naman bumibili ng taxi at hinde pinapaaprove ang transfer pero siempre delikado rin dahil bawal ito under the law and dahil nakapangalan pa ang unit sa seller, baka maloko ka. Pagnagpaapprove ng sale and transfer of CPC sa LTFRB, kailangan abogado at may mga hearing to sa Board ng LTFRB.

[ianlone81]

Nong namatay ba lolo mo may will siya? Kung meron depende sa will ang mana sa lupa na pagaari nya. Kung wala naman, yung lupa na namana nya sa father nya ay exclusive property nya so mapupunta yung property na yon 1/10th share each ang lola mo at mga anak nya. Yung kalahati naman na nabili nong kasal na lolo at lola mo ay presumed conjugal so kalahati non sa lola mo at 1/10th share each na naman ng kalahati ay sa lola mo at sa mga anak. So all in all yung share ng lola mo sa entire property kung talagang half ay namana sa father ng lolo mo at half ay nabili nila ng lola mo ay 13/40 at bawat anak ay 3/40. Ang total na pagmamayari ng mga anak ay 27/40. Papasok ngayon ang provisions on co-ownership kung saan sa Art. 492 nagsasabi, "For the administration and better enjoyment of the thing owned in common, the resolutions of the majority of the co-owners shall be binding. There shall be no majority unless the resolution is approved by the co-owners who represent the controlling interest in the object of the co-ownership." Art. 494 naman:"No co-owner shall be obliged to remain in the co-ownership. Each co-owner may demand at any time the partition of the thing owned in common, insofar as his share is concerned." Sana lang malakilaki ang lupa para substantial ang share ng bawat isa.

 

Salamat po ng marami. By the way how about po yung tungkol sa SPA ng ate nila? Lola ko lang may pirma at yung mga witness niya is mga office mates/friends nya since patago ng pinagawa nya yun. pano po ba aalisin yun. At ano po mga legal steps para makuha na nila mga shares nila?

[moed]

Sorry sa double post. Di alam pano nangyari.

Edited January 3, 2011 by moed

[moed]

Salamat po ng marami. By the way how about po yung tungkol sa SPA ng ate nila? Lola ko lang may pirma at yung mga witness niya is mga office mates/friends nya since patago ng pinagawa nya yun. pano po ba aalisin yun. At ano po mga legal steps para makuha na nila mga shares nila?

Ang ownership ng lote ay matatransfer from owner to heirs by operation of law, meaning after mamatay, malilipat ownership sa heirs. Pero para mapalitan tct nyan para mareflect ang ownership sa lote,kailangan ng Extrajudicial Settlement at kailangan muna bayaran ang estate tax ng namatay. Sa pag file ng estate tax na yan, nakalagay lahat ng ariarian ng namatay, real at personal, pati bank accounts para macompute and estate tax at ang estate tax na binabayaran ay depende sa value na iniwan ng namatay. Pag nabayaran estate tax, iisue ang BIR ng Certificate Authorizing Registration, na requirement sa pagpapalit ng TCT sa pangalan ng heirs. Tapos sa municipyo naman kailangan ng tax clearance sa Real Estate Division, Transfer Tax sa City Treasurer's Office at ng TCT. Mahirap mag extrajudicial settlement pag hinde magagree heirs sa kung ano dapat mapunta sa kanila.

Yang SPA na inexecute ng lola mo sa kapatid ng nanay mo, effective lang yan sa share ng lola mo sa lote nya. Hinde yan effective as sa ibang mayari na hinde siya ginawang attorney in fact.

[akoi2]

hello po!

 

yung asawa ng friend ko po n confined sa ospital dahil sa maga ang paa, d naman daw natapilok, after 3 days d na nya maigalaw ung half body nya, then ni refer sila sa ibang hospital na may CT SCAN at neuro surgeon and neurologist. Pag hatid ng ambulance sa hospital dala yung referal na admit sila, Tinanong pa daw ng friend ko kung available ang neurologist at neurosurgeon that time at sinabi nila na available daw. then after the CT Scan nakita na may dugo s brain, ang sabi ng neurologist na kailangan na maoperahan agad at ang chance ay 50/50. Ng bigay ng go signal yung friend ko but yung neuro-surgeon ay wala during that time, more than 24 hrs ang lumipas at wala parin yung neuro surgeon, d daw nila ma kontak at off ang cp at nsa conference. Pagdating ng neuro surgeon after 2 days ay kailangan daw ng Blood Platellets dahil mababa ung platelette count at kailangan na daw maoperahan agad. Ang hiniging Bloodtype ay B. Since nasa province sila isang ospital lang ang makukunan ng dugo at nakakuha naman yung friend ko ng dugo. After 7 hours after maibigay ng friend ko s kanila yung dugo sinabi nila na mali yung dugo at hindi TYPE A kundi AB. Sinabi nila na hindi nila daw naisalin yung dugo but after naibigay ng friend ko yung maling dugo sa kanila ay na comotose na ang asawa nya at brain dead na daw at namatay after 1 day. MAy copy po ang friend ko ng request ng ospital sa blood bank at dun nakalay na Type B ng ang hiningi nila.

Please tulungan nyo po ang friend ko.

Ala sya pambayad ng lawyer, San makakakuha ng lawyer na libre o pedeng pumayag na pag nanalo ay may part sya sa ibabayad ss friend ko.

Pede ba kasuhan sila? ano pong kaso na pedeng ifile s Doktor at sa Ospital?

Ang ospital po ay nsa Naga. Pede ba sa may maynila o s ibang lugar i file yung kaso?

 

Kung ano ma po ang isasagot niny maiprint ko at maipakita sa kanya. May number po ba kami na pede twagan?

Salamat po.

[stainted]

mga sirs,

 

legal advice naman po. I am a manager for a local bank. naprapraning lang po ako. Several years back when I was still a branch supervisor, we require documents to be microfilmed by tellers for backup. Now, several years after, the bank cannot locate those documents and they need it for a court case because the client is denying taking money out from his account. Can I be held liable to pay for the client's claims? We are only required to forward the microfilm for developing and rerun documents that were not fully captured. The thing is, nung nalaman ko na kelangan ireun ulit yung mga docs, pinadala na ng bangko sa client yung mga ito (checks)

 

TIA!

[ianlone81]

Ang ownership ng lote ay matatransfer from owner to heirs by operation of law, meaning after mamatay, malilipat ownership sa heirs. Pero para mapalitan tct nyan para mareflect ang ownership sa lote,kailangan ng Extrajudicial Settlement at kailangan muna bayaran ang estate tax ng namatay. Sa pag file ng estate tax na yan, nakalagay lahat ng ariarian ng namatay, real at personal, pati bank accounts para macompute and estate tax at ang estate tax na binabayaran ay depende sa value na iniwan ng namatay. Pag nabayaran estate tax, iisue ang BIR ng Certificate Authorizing Registration, na requirement sa pagpapalit ng TCT sa pangalan ng heirs. Tapos sa municipyo naman kailangan ng tax clearance sa Real Estate Division, Transfer Tax sa City Treasurer's Office at ng TCT. Mahirap mag extrajudicial settlement pag hinde magagree heirs sa kung ano dapat mapunta sa kanila.

Yang SPA na inexecute ng lola mo sa kapatid ng nanay mo, effective lang yan sa share ng lola mo sa lote nya. Hinde yan effective as sa ibang mayari na hinde siya ginawang attorney in fact.

Salamat po uli hope na makatulong ng malaki to sa kanila ng matapos na ang problemang ito.

[redblack]

question po:

magma-migrate ang kapatid ko sa amerika. ayaw na niya bayaran ang mga credit card bills niya na halos P50k at P100k ang halaga. ang bilin sa akin ay huwag na tanggapin ang mga dadating na bills. pwede ba siya habulin ng credit card company? pwede din po ba habulin ng company ang mga naiwan niyang pamilya dito sa pilipinas?

 

thanks po

 

For all intents and purposes, the credit card bills pertains to your sibling only and cannot be claimed against you or your siblings relatives. It can be claimed however against any property that your sibling may presently have or acquire in the future, e.g., does he have any land or car or bank account now, will he inherit anything from your parents, those kind of stuff. Even if the bill is not received it is already a loan incurred by your sibling (when he charged a service, or a sale) and can be enforced in a proper court collection case. Usually, unpaid credit cards once a final and executory judgment is rendered has already accumulated to the extent that a P100,000.00 credit card bill can balloon to triple that amount, after the interest, penalties and surcharges are added already. Once a collection case is instituted, the collectable amount would included legal fees. So later on he or she may be facing instead of a P100,000.00 credit card bill, it can very well be a P500,000.00 judgment award for the credit card company. Expect the credit card company to really undergo this proceeding and try to collect since this is the only way they can recoup the credit card charge either to collect the loan itself or get it as a tax-deductible entry (meaning bad loans).

 

HOWEVER, WHAT MAKES SETTLING THIS LOAN IMPORTANT FOR YOUR SIBLING WHO IS IMMIGRATING TO THE US?

 

Is the credit card company affiliated with Visa or Mastercard?

 

There is such a thing as a "credit rating" in the US. The credit rating or score determines the credit worthiness of an individual. Usually new immigrants start from "zero" considering that you are only starting out as a US resident, thus, he or she should expect high interest rates (if ever he or she would borrow). Only through time and a proper management of your credit (through ontime payments of your credit card bills, utility bills, etc.) would the score improve.

 

Presently, the local banks do not share this bad credit info but if in the future they do undertake to do it, considering that this local credit cards are affiliated with Visa and Mastercard, whatever gains in the credit rating of your sibling may be erased where there is a sharing of such an information to US banks and credit card companies.

 

That being the case, your sibling can take the risk and not pay it. But this is not advisable as (1) you can still avoid the accumulation of the amount of penalties, surcharges or interests, if you address the credit card bill now (before it reaches the courts); and (2) his or her credit rating in the US may suffer if the credit corporations in the US get wind of his or her bad credit situation here.

[enzo88]

For all intents and purposes, the credit card bills pertains to your sibling only and cannot be claimed against you or your siblings relatives. It can be claimed however against any property that your sibling may presently have or acquire in the future, e.g., does he have any land or car or bank account now, will he inherit anything from your parents, those kind of stuff. Even if the bill is not received it is already a loan incurred by your sibling (when he charged a service, or a sale) and can be enforced in a proper court collection case. Usually, unpaid credit cards once a final and executory judgment is rendered has already accumulated to the extent that a P100,000.00 credit card bill can balloon to triple that amount, after the interest, penalties and surcharges are added already. Once a collection case is instituted, the collectable amount would included legal fees. So later on he or she may be facing instead of a P100,000.00 credit card bill, it can very well be a P500,000.00 judgment award for the credit card company. Expect the credit card company to really undergo this proceeding and try to collect since this is the only way they can recoup the credit card charge either to collect the loan itself or get it as a tax-deductible entry (meaning bad loans).

 

HOWEVER, WHAT MAKES SETTLING THIS LOAN IMPORTANT FOR YOUR SIBLING WHO IS IMMIGRATING TO THE US?

 

Is the credit card company affiliated with Visa or Mastercard?

 

There is such a thing as a "credit rating" in the US. The credit rating or score determines the credit worthiness of an individual. Usually new immigrants start from "zero" considering that you are only starting out as a US resident, thus, he or she should expect high interest rates (if ever he or she would borrow). Only through time and a proper management of your credit (through ontime payments of your credit card bills, utility bills, etc.) would the score improve.

 

Presently, the local banks do not share this bad credit info but if in the future they do undertake to do it, considering that this local credit cards are affiliated with Visa and Mastercard, whatever gains in the credit rating of your sibling may be erased where there is a sharing of such an information to US banks and credit card companies.

 

That being the case, your sibling can take the risk and not pay it. But this is not advisable as (1) you can still avoid the accumulation of the amount of penalties, surcharges or interests, if you address the credit card bill now (before it reaches the courts); and (2) his or her credit rating in the US may suffer if the credit corporations in the US get wind of his or her bad credit situation here.

 

Thanks for the reply cutie!

[TeeUp]

For all intents and purposes, the credit card bills pertains to your sibling only and cannot be claimed against you or your siblings relatives. It can be claimed however against any property that your sibling may presently have or acquire in the future, e.g., does he have any land or car or bank account now, will he inherit anything from your parents, those kind of stuff. Even if the bill is not received it is already a loan incurred by your sibling (when he charged a service, or a sale) and can be enforced in a proper court collection case. Usually, unpaid credit cards once a final and executory judgment is rendered has already accumulated to the extent that a P100,000.00 credit card bill can balloon to triple that amount, after the interest, penalties and surcharges are added already. Once a collection case is instituted, the collectable amount would included legal fees. So later on he or she may be facing instead of a P100,000.00 credit card bill, it can very well be a P500,000.00 judgment award for the credit card company. Expect the credit card company to really undergo this proceeding and try to collect since this is the only way they can recoup the credit card charge either to collect the loan itself or get it as a tax-deductible entry (meaning bad loans).

 

HOWEVER, WHAT MAKES SETTLING THIS LOAN IMPORTANT FOR YOUR SIBLING WHO IS IMMIGRATING TO THE US?

 

Is the credit card company affiliated with Visa or Mastercard?

 

There is such a thing as a "credit rating" in the US. The credit rating or score determines the credit worthiness of an individual. Usually new immigrants start from "zero" considering that you are only starting out as a US resident, thus, he or she should expect high interest rates (if ever he or she would borrow). Only through time and a proper management of your credit (through ontime payments of your credit card bills, utility bills, etc.) would the score improve.

 

Presently, the local banks do not share this bad credit info but if in the future they do undertake to do it, considering that this local credit cards are affiliated with Visa and Mastercard, whatever gains in the credit rating of your sibling may be erased where there is a sharing of such an information to US banks and credit card companies.

 

That being the case, your sibling can take the risk and not pay it. But this is not advisable as (1) you can still avoid the accumulation of the amount of penalties, surcharges or interests, if you address the credit card bill now (before it reaches the courts); and (2) his or her credit rating in the US may suffer if the credit corporations in the US get wind of his or her bad credit situation here.

 

I tend to agree with reason #1 why your sibling should pay. Note however that the statute of limitations to enforce an obligation under a contract is 10 years. That is, the credit card company has to sue and collect within that time period. Otherwise, the claim will be forever barred. Filing a case against a non-existent defendant does not make sense unless the creditor has a strong showing that the debtor has assets it can pursue. By doing so, it stands to lose more in legal and attorney's fees.

 

Reason #2 is very unlikely to happen. Visa and Mastercard are not a creditors. It is an organization that facilitates use of credit through a card issued by the bank for a fee. It simply is a payment courier. That being said, Visa or Mastercard does not have any interest in helping the banks recover the debt since it has been paid at the time the transaction took place. As correctly stated above, Philippine branch of say, Citibank, does not exchange credit information with Citibank in the US. Moreover, Citibank US does not aid in collecting owing to Citibank Philippines.

 

I am not encouraging your sibling not to pay the credit card bills. I am just stating my opinion over the matter.

[Firewolf9]

Mga sir tulong naman itong kaso ko. Inakyat ung bahay last november. Cellphone, wallet na may laman na pera at saka Digicam ang nakuha. Yung suspek eh yong taong 2 dalawang kanto ang layo sa amin. Yong sunod na araw na yun nabalitaan namin na binibenta nila ung camera at nakuha ng kapatid ko. Ginamit pa nila ung camera kaya nung naibalik nandoon lahat ang mukha nila. So nireport namin sa pulis, gusto sana nila damputin na kaagad kaya lg di nila makuha kasi kailangan daw nasa labas ng bahay. Ginawa ko pinablotter ko na s barangay. So nag-usap kami sa baranggay at sabi nila di daw sila umakyat s bahay, nandun lg s kanila ung camera kasi balak daw nila bilhin. So ang tinuturo daw nila ngaun eh ung tao na tumulong sa amin na maibalik ung camera. Sabi ng barangay mahina daw ang kaso namin kasi wala talaga makapagturo kung sino umakyat sa bahay.

 

Tanong:

A. Pano ba maimbestigahan kung kanino galing ung camera(Sabi ng barangay di nila responsibilidad yan)

B. Mahina ba talaga ang kaso?

 

Gusto ko sana iakyat to sa korte para mahuli na mga tirador na un.

* Nung pumunta kami sa PS6, di na pinagfile ng blotter. Sabi ng hepe palabasin mo lg ng bahay then text nyo kami at damputin namin yan(Taniman na lg daw ng kutsilyo para makulong)

 

Next hearing namin s baranggay next tuesday. Sana mabigyan nyo ako ng hint kung anong magandang gawin.

[redblack]

Reason #2 is very unlikely to happen. Visa and Mastercard are not a creditors. It is an organization that facilitates use of credit through a card issued by the bank for a fee. It simply is a payment courier. That being said, Visa or Mastercard does not have any interest in helping the banks recover the debt since it has been paid at the time the transaction took place. As correctly stated above, Philippine branch of say, Citibank, does not exchange credit information with Citibank in the US. Moreover, Citibank US does not aid in collecting owing to Citibank Philippines.

 

I am not encouraging your sibling not to pay the credit card bills. I am just stating my opinion over the matter.

 

I think you misread my opinion which you referred to as Reason # 2. True, US Banks does not seek to involve itself in the local collection of debts owed to Philippine banks or for that matter Visa or Mastercard.

 

The fact that he or she is actually immigrating to the US, makes paying off his or her credit card debt important since that may affect his or her credit worthiness, once already in the US. Surely once in the US, he or she will eventually borrow money to buy a car, house, gadgets or whatever. US lenders (banks, credit cards, savings and loans associations, etc.) take "credit ratings" very seriously. This determines whether or not a person can avail of a loan or not, or how high or low the interest rate chargeable to the person. If your "credit worthiness" is graded a high credit rating banks are more inclined to lend to you at a more favorable interest rate. If you have a low credit rating, banks are more inclined NOT to lend to you or lend to you at a higher interest rate.

 

Thus, in the situation of his or her sibling who goes to the US, generally US lenders would not look into his or her past credit history in the Philippines, so they would rely on the immigrants credit history in the US only. But if they get wind of the sibling's BAD credit history in the Philippines, US lenders may totally close their doors and not lend anything to the immigrant because of that bad credit history or charge his or her a high interest rate.

Edited January 5, 2011 by redblack

[HardOn]

Tingnan mo yung Certificate of Public Convenience (CPC) ng taxi na bibilhin mo at doon nakalagay ang period na puede ioperate ang taxi na may CPC. Tingnan mo rin kung ang nagbebenta sa iyo ang mayari ng CPC. Kung siya ang mayari, kung gusto mo legal ang sale and transfer ng CPC, kailangan mag apply for approval of sale sa LTFRB. Kung mageexpire na CPC, alamin kung puede pa iextend. Meron naman bumibili ng taxi at hinde pinapaaprove ang transfer pero siempre delikado rin dahil bawal ito under the law and dahil nakapangalan pa ang unit sa seller, baka maloko ka. Pagnagpaapprove ng sale and transfer of CPC sa LTFRB, kailangan abogado at may mga hearing to sa Board ng LTFRB.

 

Thanks sir Moed.

 

Follow up question lang. Nakita ko na yung CTC. Nakapangalan sya sa seller. Pero expired na ang franchise. May application for renewal. Nagdaan na sa first hearing at na-dismiss kasi wala yung document na vineverify yung previous owners. Kasi daw dumating yung araw ng hearing eh yung return to sender from post office hindi pa nadating. Pero nagfile na sya ng motion for reconsideration. Pano ko malalaman kung pwede pa marenew? gusto kasi nung seller ako na magtuloy ng process. May nirefer sya sa akin na naglalakad sa LTFRB. ang sabi nun naglalakad, kayang kaya nya raw yun. Please advise. Thanks

[HardOn]

Lapit ko lang din yung legal problem ng office mate ko.

 

Naka-loan kasi sya sa PSBank last March 2004 under Flexi Credit Line ng 50K nA merong revolving credit line agreement.. He already made several payments. Actually malaki na rin ang naihuhulog nya hanggang sa natigil ang pagbabayad nya kasi nagkaproblem sya financially. Then dinemanda sya ng bank last june 2006 ng civil case for sum of money. Hindi nya pinansin yung demanda kasi wala rin naman syang pambayad dito. Until 2009, umabot na ang utang nya sa 300K. That time, nakipagayos na sya. Nagbigay sya ng 30K last Jan 2009 with verbal agreement na huhulog hulugan nya. Pero hindi rin sya naka-comply. Gusto nya sanang ayusin. Pinatatanong nya kung:

1. Since gipit pa rin sya financially ngayon, pwede ba na makiusap sya sa bangko na since nagbigay na sya ng 30K last year at marami na syang naibayad before, baka pwedeng hindi na sya magbayad considering na 50K lang naman ang amount ng utang nya (sobra sobra na dito ang total ng naibayad nya.

2. Nung Novermber 2009, pinadalhan sya ng letter ng abogado ng bank ng demand letter na may banta na kakasuhan sya ng kriminal for estafa or culpable insolvency dahil sya daw ay nagtatago na. Maaari ba talaga syang sapahan ng criminal case gayong utang lang naman yun?

 

Maraming salamat sa mga magbibigay pansin sa tanong na ito.

[moed]

Thanks sir Moed.

 

Follow up question lang. Nakita ko na yung CTC. Nakapangalan sya sa seller. Pero expired na ang franchise. May application for renewal. Nagdaan na sa first hearing at na-dismiss kasi wala yung document na vineverify yung previous owners. Kasi daw dumating yung araw ng hearing eh yung return to sender from post office hindi pa nadating. Pero nagfile na sya ng motion for reconsideration. Pano ko malalaman kung pwede pa marenew? gusto kasi nung seller ako na magtuloy ng process. May nirefer sya sa akin na naglalakad sa LTFRB. ang sabi nun naglalakad, kayang kaya nya raw yun. Please advise. Thanks

Mahirap na yan dahil nadismiss na nga sa first hearing ang application for extension. Usually nag aapply renewal bago mag expire CPC. Yang guarantee sa yo ng maglalakad wala kang makuha jan pag hinde naextend. Ikaw lahat gamble jan pag hinde naextend at yang taxi na bilhin mo magiging private car na maraming kilometro na nabiyahe. Tagilid ka sa usapan na yan. Saka malabo yang sinasabi na nadismiss dahil kulang sa document na nagveverify previous owners, ibig sabihin yan, hinde pa naapprove yung sale and transfer ng CPC sa seller dahil vineverify pa ang previous owners.

Edited January 5, 2011 by moed