Utang sa bumbayPinatay yung bumbay tapos yung kapatid nya ang naghahabol sa pa

anonymous
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Utang sa bumbay Pinatay yung bumbay tapos yung kapatid nya ang naghahabol sa pautang marami ang di nagbayad sa kapatid nya.. if di ako magbabayad ano kaso ko nun?


 

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Adelaimar C Arias-Jose
is a Legal expert in the Philippines
Naku, hindi ka makakasuhan kung sa Bumbay ka nangutang. Lalo na't wala namang kasulatan ang Bumbay. Usually ay may notebook, diba? At ang notebook ay nasa iyo, diba? So, ikaw lang ang may hawak ng mga lista ng iyong ibinayad.

Pangalawa, usually, ang Bumbay ay 5-6. Sa ilalim ng batas, ito ay usurious. Kaya, kung magdedemanda sila, talo sila sa husgado dahil hindi din nila makukuha ang interest. Iyon lamang principal ang kanilang masisingil, at legal interest (ang legal interest sa Pilipinas ngayon ay 6% per annum lamang).

Pangatlo, ang utang ay isang personal na contract. Ibig sabihin, iyon lamang iyong pinagka-utangan ang may karapatang maningil noon mula sa iyo. Kung siya'y namatay na, ang kanyang estate lamang ang puedeng maningil nito.

Pang-apat, ang karapatan to file an action ay nandoon sa namatay. Kaya kung namatay siya, hindi na puedeng magfile ng action kung walang kasulatan.

You still need to go and see a lawyer kung ikaw ay idemanda. Pero malamang sa gigipitin ka lang nila. Kukulitin ka nila sa tirahan o tindahan mo.

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
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