Unpaid Credit Card

anonymous
This person has chosen to hide his/her identity.

About sa credit card...gumawa kami ng settlement ant sa utang ko sa cc. Supposedly last January 2016 matatapos payment ko kaya lang nawalan me ng work, kaya di ko nasettle. Is it ok if continuous ko sya bayaran sa BDO?


 

Reply as anonymous (Your real name and picture will not be seen)
Adelaimar C Arias-Jose
is a Legal expert in the Philippines
I think you will have to contact the collection agent and work out another settlement agreement and schedule of payment. Kasi, kung basta lang i-continue mo ang payment, baka tanggapin, pero, baka dagdagan ang mga babayaran mo (surcharge, penalty, etc.) Samantala, kung makikipag-usap ka, baka ma-less.

Minsan din naman, mas mainam pa, hayaan mo silang mag-demanda, tapos, sa husgado kayo makipag-tawaran. Make sure lang na ipunin mo na ang pambayad. Actually, puede mo ring gawing leverage ang sobrang taas ng interest rate na kanilang china-charge. Para, medyo babaan nila ang babayaran mo.

Ang pinaka-maganda, consult a lawyer. Iyong abogado na may panahon para tignan ang mga papeles mo. Good luck sa iyo. Kung ako ang banko, matutuwa ako sa iyo -- kasi, kahit nahihirapan ka, hindi mo tinatakbuhan ang iyong obligasyon.

About the author

Adelaimar C Arias-Jose

I am a graduate of the UP College of Law. Member of the Integrated Bar of the Philippines since 1995. I am currently involved in private practice in criminal, civil and labor law.
Profession: Lawyer
Adelaimar C. Arias-Jose
Office Address: #34 St. Michael Street
Philippines , Manila , Makati
The medical information contained in this section is not intended for treatment or prescription. It is used to complement, not replace, the communication between a patient and their physician. Reliance on any information provided by BuhayOFW or any medical experts is solely at your own risk. If you have a medical emergency, call your doctor or go to the hospital immediately. BuhayOFW's Medical Review Board is a team of board-certified doctors who ensure our content is medically accurate and reflects the latest in health information. Our experienced board of medical professionals verify that our content is thorough and all-inclusive, in order that you can trust the information you read here will help you through improvements in your health journey—whether that’s for yourself or for a loved one.

Disclaimer: The materials available in the Buhay OFW web site are for informational purposes and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. Use of and access to this Web site or any of the e-mail links contained within the site do not create an attorney-client relationship between Buhay OFW and the user or browser.

If you are a legal expert who would like to help answer questions, please register here.