legal Free Legal Advice

[silvercross0816]

Sires!

Nag 10 year anniv po ako sa company namin (call center). It's been my first and only job. The problem is: now, I wanna move on. Because I have been a team lead for almost 7 years now and hindi na talaga ako ma-promote promote. I heard na may "early retirement program" daw sa company namin. Paano ko po kaya masasabi sa kanila in a professional way na "huy! kung ayaw nyo na ako i-promote, eh pakawalan nyo na lang ako at bigyan nyo ako ng early retirement option!"

In other words: Paano ako makaka-piga ng "substantial amount" sa company ko na 10-years kong pinag silbihan bago ako umalis at mag try ng ibang profession.

 

Salamat po!

 

I'm going to simplify my suggested action plan for you:

First, don't rely on on heasay, go to your HR and get a copy of your company's retirement plan.

Second, I take it that you're still a yuppie (30's or so). The law does not entitle you to a retirement benefit yet. you're best bet is if your Company provides an early retirement plan.

Third, assuming na may retirement plan nga kayo sa company, you cant get more than what is stipulated there.

Fourth, your best bet to get more than what you're entitled to is to gamble your resignation vs the idea that you are indeed an asset of the company that they company will move heaven and hell to retain you using a substantial amount of money.

[dekimasen]

bakit sa kanya? sino sya? gaano ba ka laki lupa niyo?

 

Tatay nya po ang talagang bumili ng lupa kaya lang may more than 4 hectares na na lupa na nakapangalan sa tatay. ang lupang binibili ngayon ay higit sa 3 hectares.

 

nakapagbayad na kami ng capital gain tax sa deed of sale na nakapangalan sa brod -in-law ko na tatay ng pamangkin ko pero di tinaggap ng DAR dahil sa lupang pagmamay - ari nya.

 

ngayon gusto naming sa pangalan ko na ilagay lupang bibilhin. babaguhin nalang ang deed of sale at papalitan ng pangalan ko.

 

Tanong: kailangan po ba naming magbayad ulit ng capital gain tax or pweding na yong unang binayad?

[jzeus]

thanks for posting advices, this is very helpful for those seeking free legal advise and information.

 

btw, i have question, this is in relation with having a loan in rural bank where the collateral is the title.

 

my question is: just in case the borrower fails to pay the amortization for so many times (e.g yrs). can the bank foreclose the property and transfer the title TCT on their name. if so, will the borrower be free from any liability from the previous loan when the collateral was sequester.

 

awaiting reply from all masters here.

 

thanks, jzeus

[reignman214]

Tanong lang po...

Pwedi po bang ilagay sa pangalan ng pamangkin ko ang lupa na nabili namin para makaiwas sa land reform?

siya po ay 17 years old palang at american citizen na bumibisita sa pinas paminsan-minsan.

 

tnx po.

 

The persons qualified to own lands here sa pinas in case of individuals are only filipino citizens. If american citizen na pamangking mo, he can qualify if formerly filipino citizen sya or he re acquired his citizenship.

 

Tanong lang po...

Pwedi po bang ilagay sa pangalan ng pamangkin ko ang lupa na nabili namin para makaiwas sa land reform?

siya po ay 17 years old palang at american citizen na bumibisita sa pinas paminsan-minsan.

 

tnx po.

 

The persons qualified to own lands here sa pinas in case of individuals are only filipino citizens. If american citizen na pamangking mo, he can qualify if formerly filipino citizen sya or he re acquired his citizenship.

 

Tanong lang po...

Pwedi po bang ilagay sa pangalan ng pamangkin ko ang lupa na nabili namin para makaiwas sa land reform?

siya po ay 17 years old palang at american citizen na bumibisita sa pinas paminsan-minsan.

 

tnx po.

 

 

The persons qualified to own lands here sa pinas in case of individuals are only filipino citizens. If american citizen na pamangking mo, he can qualify if formerly filipino citizen sya or he re acquired his citizenship.

[Pinoymale]

thanks for posting advices, this is very helpful for those seeking free legal advise and information.

 

btw, i have question, this is in relation with having a loan in rural bank where the collateral is the title.

 

my question is: just in case the borrower fails to pay the amortization for so many times (e.g yrs). can the bank foreclose the property and transfer the title TCT on their name. if so, will the borrower be free from any liability from the previous loan when the collateral was sequester.

 

awaiting reply from all masters here.

 

thanks, jzeus

 

Yes, the bank can foreclose the mortgage if the borrower defaults on the amortization payments. Usually, the bank will file an application for extra-judicial foreclosure. An auction will be held and the property will be sold to the highest bidder, which is usually the bank. A certificate of sale is annotated on the title. The mortgagor or a third party may redeem the property within 1 year from the date of the annotation of the certificate of sale. After 1 year and no redemption has been made, the bank can have the title transferred to its name.

 

If, after the auction, there is still a balance (called a deficiency) remaining from the loan, the bank may file a claim to recover that deficiency.

[Pepernoten]

Good day po sa inyo, tanong ko lang po kung gaano po katagal bago ma desisyonan ang Motion for Reconsideration?

[bonito99]

depends. what's your case?

[jzeus]

Yes, the bank can foreclose the mortgage if the borrower defaults on the amortization payments. Usually, the bank will file an application for extra-judicial foreclosure. An auction will be held and the property will be sold to the highest bidder, which is usually the bank. A certificate of sale is annotated on the title. The mortgagor or a third party may redeem the property within 1 year from the date of the annotation of the certificate of sale. After 1 year and no redemption has been made, the bank can have the title transferred to its name.

 

If, after the auction, there is still a balance (called a deficiency) remaining from the loan, the bank may file a claim to recover that deficiency.

 

thanks Sir for the reply.

 

just in case sir the mortgagor pa rin yun mag redeem, ano ang magiging basis ng price ng property. btw sir, accrdng dun sa friend ko eh nasa bank na yung property under their name. eh since na-default nga siya eh pwede pa ba syang singilin dun sa balance nung unang loan nya kahit na-auction na at sila ang highest bidder.

 

awaits reply sir. thanks again.

[Pinoymale]

thanks Sir for the reply.

 

just in case sir the mortgagor pa rin yun mag redeem, ano ang magiging basis ng price ng property. btw sir, accrdng dun sa friend ko eh nasa bank na yung property under their name. eh since na-default nga siya eh pwede pa ba syang singilin dun sa balance nung unang loan nya kahit na-auction na at sila ang highest bidder.

 

awaits reply sir. thanks again.

 

 

If the mortgagor redeems the property, the redemption price is

 

1. the amount due under the mortgage deed, with interest thereon at the rate specified in the mortgage, and

2. all the costs, and judicial and other expenses incurred by the bank by reason of the execution and sale and as a result of the custody of said property less the income received from the property.

 

This is based on the General Banking Act.

 

If the auction price of the property was less than the mortgage amount then the bank can still collect the balance from the mortgagor.

[jzeus]

If the mortgagor redeems the property, the redemption price is

 

1. the amount due under the mortgage deed, with interest thereon at the rate specified in the mortgage, and

2. all the costs, and judicial and other expenses incurred by the bank by reason of the execution and sale and as a result of the custody of said property less the income received from the property.

 

This is based on the General Banking Act.

 

If the auction price of the property was less than the mortgage amount then the bank can still collect the balance from the mortgagor.

 

 

thanks sir again for the reply. this gives me an idea. this dec. 13 e samahan ko sya dun sa rural bank na nakuna nya ng loan. based dun sa mga receipt na nakuha ko eh nakakabayad na sya sa bank ng around 400k, ang problem is maeedad na sila eh di alam ang mga pinasok nilang contract.

 

more power

[Pinoymale]

thanks sir again for the reply. this gives me an idea. this dec. 13 e samahan ko sya dun sa rural bank na nakuna nya ng loan. based dun sa mga receipt na nakuha ko eh nakakabayad na sya sa bank ng around 400k, ang problem is maeedad na sila eh di alam ang mga pinasok nilang contract.

 

more power

 

 

If it's still within the redemption period, you can redeem it for them but the payment would be under their name since they are the clients. You can make a contract with them stating that they will reimburse you for the amount you paid to redeem the property.

[NewbieinManila]

Hi sir. I'm just asking if meron pa bang hold ang school sa retirement fund ko (forced savings from them).

 

This is the case: I'm already cleared with my clearance but I was the one handling the school paper. Then came summer, may mga nawalang parts daw ng computer and the allegedly pointed to the staffers na sila ang kumuha or nakawala dahil nasa kanila ang key ng room. Ang problema, wala na ako noong summer( April onwards) dahil hanggang March na lang ako. Wala na ako doon sa time na sinabi nilang nawala ang gamit.

 

I talked to the VP for Administration at sinabi nya na kailangan ko daw mag submit ng agreement between me and the student and make a recommendation para makuha ang savings ko. Ginigipit kasi nila ako. The new moderator would not accept the responsibility dahil may sirang gamit (parts of a computer, 2 batteries at lost camera charger) Eto po ang tanong ko:

 

1. Kailangan ko po bang sundin ang sinasabi ng VP for Admin hinggil sa agreement and recommendation na gagawin ko daw?

2. Ano po ba ang magagawa ko, since wala na ako noong time na nawala ang parts at may sirang gamit?

3. Should I seek a lawyer para makuha ko yung forced savings from the school?

 

Thanks po.

[ChiliMac]

Good day mga online Attorneys,

 

Ask ko lang po kung maga-apply yung R.A.9262 sa situation ng friend ko. Yung friend ko kasi may bf na naanakan siya. Sunod dun siya tumira sa parientes ng bf niya hanggang manganak siya. Bago siya manganak naging malamig na trato sa kanya ng bf niya, kinutuban na siya na ayaw nag panagutan yung baby nila. Nung manganak nga siya nag decide na siyang bumalik na lang sa mga magulang niya. Ang suggestion ko kasi eh mag file ng Petition for Support eh di pumirma yung bf sa birth certificate, baka humaba pa proseso kung proof of filiation pa mangyari. I read na baka pumasok sa emotional violence and economic violence yung di niya pag suporta and di niya pag acknowledge sa baby nila. Pasok ho ba mga sir yung R.A.9262? Naawa talaga kasi ako sa friend ko parang wala lang sa lalaki sa ligaya lang siya nung lumabas na naglahong parang bula. Salamat in advance.

[mlpf]

Good day mga online Attorneys,

 

Ask ko lang po kung maga-apply yung R.A.9262 sa situation ng friend ko. Yung friend ko kasi may bf na naanakan siya. Sunod dun siya tumira sa parientes ng bf niya hanggang manganak siya. Bago siya manganak naging malamig na trato sa kanya ng bf niya, kinutuban na siya na ayaw nag panagutan yung baby nila. Nung manganak nga siya nag decide na siyang bumalik na lang sa mga magulang niya. Ang suggestion ko kasi eh mag file ng Petition for Support eh di pumirma yung bf sa birth certificate, baka humaba pa proseso kung proof of filiation pa mangyari. I read na baka pumasok sa emotional violence and economic violence yung di niya pag suporta and di niya pag acknowledge sa baby nila. Pasok ho ba mga sir yung R.A.9262? Naawa talaga kasi ako sa friend ko parang wala lang sa lalaki sa ligaya lang siya nung lumabas na naglahong parang bula. Salamat in advance.

 

Pwede po sa RA 9262. Emotional violence. Section 5(i).

[subsistence]

Sirs, ask lang po may karapatan bang tapyasin ng "Asawa ng Tito" ko yung bahay namin pag ang dahilan nito ay right of way? 4ft ata kasi yung dinadaanan nila at gusto nilang luwagan yung daan.

 

Bali eto po ang scenario

 

2 Pamilya sila sa looban, yung isa gustong tapyasin yung gilid matandang bahay (bahay ng lola at lolo ko na tinitirhan na namin ngayon) para lumuwag pa yung dinadaanan nila na more or less 2 meters.

 

RANT:

Di ko alam, inggitera kasi yun, porke yung bahay namin ang pinaka malaki (eh ano magagawa namin pinamana ng lolo/lola ko yung bahay na ito sa Erpat ko bunso kasi)

Edited January 2, 2012 by subsistence