legal Free Legal Advice

[Direct Hit]

Negotiate with the card company for a repayment schedule. You may wish to negotiate the amount of total payments as well. For example, you can firmly say that you are only willing to pay principal. Make sure your agreement is documented. (The person you may be talking to right now will most likely be not around the next time you call the card company.)

 

Anyway, we have a constitutional provision prohibiting imprisonment for non-payment of debt. So a jail term for non-payment of debt is unlikely.

 

There are other instances which may (effectively) land your friend in jail. Examples are (i) issuance of checks to cover for the payments and the checks eventually bounce (the Bouncing Chicks, este Checks Law); and (ii) RA 8484 you cited, but most likely these will require an allegation of fraud or misuse of the card.

 

Please check whether what your friend received was just a letter or a pro-forma complaint (template lang, no signatures). If it is, panakot lang yan. :zorro: But do ask your friend to pay his card debts.

 

 

Sir,

 

what would be the repercussion of non-payment? Is ist true that you will be banned to travel abroad? or they will sequester your personal belongings?

 

Tahnks

[jojoendejr]

thanks a lot legalavatar. i'll follow your advice.

 

thanks a lot too azayco. good point. my "delinquency" with this company might jeopardize my good standing with other card companies.

 

btw, i kept the sticker in the card. i'm really itching to talk to these people and give them a tongue lashing! just to vent out my anger and lower my bp.

 

 

Word of caution though.....if the credit card company will file a complaint in Court, they usually notify at the same time the CMAP (Credit Management Association of the Philippines). Once ur name is included in their database, any application u make with any financing/lending/bank company will surely be forwarded to CMAP. That is why applications are usually rejected (if ur name appears in their record as one who has a record for being a delinquent borrower)

[dickyryu]

don't know where to post this pero legal question din po to.. I caught my wife cheating on me she currently works abroad and her "BF" as well, we have a daughter.. now I'm planning to go out of the country to work and I'm planning to take my daughter (legaly ofcourse) with me so my wife can't get to her.. I know the when she returns she will be looking for our daughter.... can she file complaints? what loopholes are there to avoid these complaints? If I return here in the PI is there a chance I could get arrested?

 

TIA to all those who can help me in any way

[rocco69]

Sir,

 

what would be the repercussion of non-payment? Is ist true that you will be banned to travel abroad? or they will sequester your personal belongings?

 

Tahnks

 

Ang di pagbayad ng utang ay di pwedeng gawing dahilan para di ka pabiyahe-in sa labas ng bansa. Ang naglalabas lamang ng hold-departure order ay ang Regional Trial Court, at kalimitan, pwede lamang ito i-issue sa criminal cases. Dahil di naman krimen ang di pagbayad ng utang, di ka maaring i-ban sa abroad. Ang pag-sequester naman ng personal belongings ay kailangang utos din ng korte (siguro upang isubasta ito bilang kabayaran sa utang mo). Ibig sabihin, kailangan ka munang kasuhan ng nagpautang sa iyo (civil case lamang); kailangang manalo muna siya kung saan iuutos ng korte na bayaran mo ang pagkakautang mo; at pagkatapos, ay hihingi siya ng order mula sa korte upang ipatupad yung utos na magbayad ka. Ang pagsequester ng gamit na walang utos ng korte ay isang krimen (kung may pwersang gagamitin, robbery ito), at pwede kang manlaban upang ipagtanggol ang karapatan mo sa ari-arian mo.

[rocco69]

don't know where to post this pero legal question din po to.. I caught my wife cheating on me she currently works abroad and her "BF" as well, we have a daughter.. now I'm planning to go out of the country to work and I'm planning to take my daughter (legaly ofcourse) with me so my wife can't get to her.. I know the when she returns she will be looking for our daughter.... can she file complaints? what loopholes are there to avoid these complaints? If I return here in the PI is there a chance I could get arrested?

 

TIA to all those who can help me in any way

 

dahil anak mo naman yan, meron kang karapatan sa custody ng anak mo, lalo na na ikaw lang ang magulang na nandito at nangangalaga sa bata. Kung dadalhin mo yung bata, hindi yan kidnapping o anumang krimen. In other words, walang problema dun.

 

Ang maaari mo lang maging problema ay ang travel clearance for a minor travelling abroad. Dati kasi pag isa lamang sa mga magulang ang kasama ng bata palabas ng bansa, kailangan ng affidavit of consent mula sa magulang na di kasama. Ngunit, subalit, datapwat, may narining ako na sa ilalim ng bagong guidelines ng DSWD at BI, di na ito kailangan. I-check mo sa DSWD kung kailangan pa ng travel clearance. Kung di na kailangan, paglabas mo ng bansa, kailangan kasabay mo na ang anak mo. Di na kasi mailalabas yung bata kung papahabulin mo lang sa iyo dahil mangangailangan ka ng travel clearance (minor travelling alone or w/ persons not his parents), na nangangailangan ng affidavit of consent ng ama at ina (na hindi mo naman makukuha sa asawa mo). Kung pepekehin mo naman yung pirma ng asawa mo sa affidavit krimen yun (me sabit ka).

[dickyryu]

salamat po sir kinakabahan kasi ako baka pag nag decide ako mag bakasyon dito sa Pinas eh lumabas ako sa Airport na may bracelet

 

 

about sa clearance... tumawag na po ako sa DSWD, hindi na daw po kelangan ng clearance ang kelangan lang daw po ay proof na ako ang ama ng bata.. BC and MC ok na daw po na proof yun...

 

 

maraming salamat po sir

[lexus_lexi2002]

Mr/Ms:

Four years ago I was apprehended by a MAPSA traffic enforcer with a violation of illegal counterflow & for several months I didn't get my license back, after which I was shocked to know that they charge my license by the day, so it had accumulated to almost P10,000. Is there a legal way I could get it back w/o charging me so much? Thank you.

LEX

[Google]

Mr/Ms:

Four years ago I was apprehended by a MAPSA traffic enforcer with a violation of illegal counterflow & for several months I didn't get my license back, after which I was shocked to know that they charge my license by the day, so it had accumulated to almost P10,000. Is there a legal way I could get it back w/o charging me so much? Thank you.

LEX

 

 

bakit mo pinabayaan ng ganung katagal? talagang may penalty yung ticket if not paid after 7 days. lalo na dito sa makati...

i cannot find a way to have it redeemed back legally, except pay all the charges or ask for consideration.

[lexus_lexi2002]

bakit mo pinabayaan ng ganung katagal? talagang may penalty yung ticket if not paid after 7 days. lalo na dito sa makati...

i cannot find a way to have it redeemed back legally, except pay all the charges or ask for consideration.

 

Sir,

Thanks for the feedback. with the way they charge the public mostly unfortunate like me, no wonder Makati will be very rich, it's a form of harassment, isn't it, no information before hand, this is the way they handle. Thanks Mr Google

 

 

bakit mo pinabayaan ng ganung katagal? talagang may penalty yung ticket if not paid after 7 days. lalo na dito sa makati...

i cannot find a way to have it redeemed back legally, except pay all the charges or ask for consideration.

 

Sir,

Thanks for the feedback. with the way they charge the public mostly unfortunate like me, no wonder Makati will be very rich, it's a form of harassment, isn't it, no information before hand, this is the way they handle. Thanks Mr Google

[whapak00]

Sir,

 

I'm single pero may anak na ako sa isang babae na may asawa...hiwalay na sila pero hindi legally separated tapos ung babae wala na dito sa pinas kaya ung anak ko e nasa nanay ni babae. Sa ngayon ayaw ipakita sa akin yung bata ano po ba ang pwede kong gawin para makuha ko ung bata dun sa lola? isa pa po...nung ipinanganak po ung bata nung 2004 e nakapirma n rin po ako ng affidavit na inaacept ko po na anak ko ung bata kasabay nung BC nya kaso kahit BC nung bata d ko makuha dun sa kabilang party. Any advice would be greatly appreciated kasi 4 years old n ung anak ko at ang last na nakita ko sya was when he was 4 months old p lang.

[dickyryu]

yet again I have to ask help from our legal Gurus....

 

It's regarding about annulment/legal separation.. what is the difference? which is cheaper? how do I file? how long will it take and does it require that I have to be here in the Philippines to apply?

 

so many questions in my part.. hope our member have time and patience in answering them TIA again...

[ej_qn]

mga sirs/maam,

 

I have a friend of a friend who is working in a call center. They have hazzard pay and night time diff. Pero the problem was when half her team weren't performing above their target metrics eh tinanggalan sila ng hazzard pay. When I read their contract regarding their hazzard pay eh nothing is stated that their hazzard pay will be dependent on their performance. Ngayon ko nga lang narinig itong kalokohan na ito sa buong working life ko! Alam ko pwede sila mag bawas ng sweldo dahil sa absents or tardiness pero I didn't know pwede nila kalikutin ang hazzard pay mo? For a big company nga eh 10% lang ang night diff nila at ang pambawi nalang nila is yung daily hazzard pay nila sabay yun pa ang tatanggalin.

 

Ang alam ko lang dito if it's not stated in the contract or maski binanggit ng Management Team or Payroll Team eh pwede sampahan ng kaso ang ganun. Tama po ba?

[mlpf]

Sir,

 

I'm single pero may anak na ako sa isang babae na may asawa...hiwalay na sila pero hindi legally separated tapos ung babae wala na dito sa pinas kaya ung anak ko e nasa nanay ni babae. Sa ngayon ayaw ipakita sa akin yung bata ano po ba ang pwede kong gawin para makuha ko ung bata dun sa lola? isa pa po...nung ipinanganak po ung bata nung 2004 e nakapirma n rin po ako ng affidavit na inaacept ko po na anak ko ung bata kasabay nung BC nya kaso kahit BC nung bata d ko makuha dun sa kabilang party. Any advice would be greatly appreciated kasi 4 years old n ung anak ko at ang last na nakita ko sya was when he was 4 months old p lang.

 

You can get a copy of the birth certificate from the National Statistics Office or the Civil Registrar of the city where the birth certificate was registered. In this case, the mother alone has parental authority over the child. The two of you cannot marry for she is still legally married to another. In fact, the husband can even file adultery charges against both of you. The solution is for you to file adoption proceedings. Adopt your own illegitimate child. However, I am sorry, but the consent of the mother may be necessary. You can try to ask a court to divest the mother of parental authority, but you will have to have a very good ground like abandonment, child abuse, etc.

[Dr_PepPeR]

mga sirs/maam,

 

I have a friend of a friend who is working in a call center. They have hazzard pay and night time diff. Pero the problem was when half her team weren't performing above their target metrics eh tinanggalan sila ng hazzard pay. When I read their contract regarding their hazzard pay eh nothing is stated that their hazzard pay will be dependent on their performance. Ngayon ko nga lang narinig itong kalokohan na ito sa buong working life ko! Alam ko pwede sila mag bawas ng sweldo dahil sa absents or tardiness pero I didn't know pwede nila kalikutin ang hazzard pay mo? For a big company nga eh 10% lang ang night diff nila at ang pambawi nalang nila is yung daily hazzard pay nila sabay yun pa ang tatanggalin.

 

Ang alam ko lang dito if it's not stated in the contract or maski binanggit ng Management Team or Payroll Team eh pwede sampahan ng kaso ang ganun. Tama po ba?

 

If hazard pay is stipulated in their contract, and is not dependent on performance (which is not the practice anyway), then you friend has every right to expect it. You might want to ask your friend if he/she violated any company policy. If you really think that your friend was swindled of the hazard pay, let your friend send a written memo or email to HR and ask why it wasn't given. Go through the process first before jumping the gun.

Edited July 14, 2008 by Dr_PepPeR

[winfred]

sino po ang may contact no ni atty katrina legarda paki pm nalang po maraming salamat