Ano mangyayari pag hindi na ako nakak

Harold Gomez
is in the Philippines

Ano mangyayari pag hindi na ako nakakabayad ng due amount ko sa credit card. diko na po kasi nahuhulugan almost 3months na. lagi po kasi short sa budget. nag send na po sila ng demand letter at umabot na po sa 90k ang total amount na pinapa settle saken? ano po ba ang mangyayari kung di parin po ako makakabayad? salamat po at sana mabigyan nyo po ako ng advise.

 

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Jescelyn Del Rosario
is a Legal expert in the Philippines
Maaring the credit company will file a civil case for collection or criminal case under Section 14, of RA No. 8484 "A cardholder who abandons or surreptitiously leaves the place of employment, business or residence stated in his application or credit card, without informing the credit card company of the place where he could actually be found, if at the time of such abandonment or surreptitious leaving, the outstanding and unpaid balance is past due for at least ninety (90) days and is more than Ten thousand pesos (P10,000.00), shall be prima facie presumed to have used his credit card with intent to defraud. Ibig sabihin your intention to defraud ang magiging ground ng company if hindi ka nag inform sa credit company kung sakaling umalis ka sa inyong tinitirhan/work place na may outstanding balance kapang dapat bayaran more na than 10,000. Kasi wala naman talagang nakukulong sa utang kaya lang pag may fraud na papasok na ang kriminal case na pwede isampa. Maari rin naman hindi nalang sila magpapafile ng kaso kaya lang ito ay makasisira sa iyong credit standing sa mga banks and other financial institution if ever mag apply ka ng loan sasabit kana dahil sa record mo. Mas mabuti sigurong makipag ugnayan ka sa kanila kung paano mo ito mababayaran ng ayon sa iyong makakaya.
Harold Gomez
is in the Philippines
salamat po sa reply. nag send po kasi sila ng demnd letter thru email po. tas yung collection officer po panay ang tawag gusto maisettle ko po lahat ang balance na 90k at makukulong daw po ako kung di ako magbabayad. pag po ba lumagpas ng 90days automatic po ba blocklisted na ako sa lahat ng financial institution? salamat po ulit
Jescelyn Del Rosario
is a Legal expert in the Philippines
Well, kung talagang in good faith na wala ka talagang kakayahan na bayaran ito ng buo maaring maging depensa mo ito kung magpapafile sila kriminal case laban sa iyo. They will continue to call or send demand letter hangga't kailan gusto nila. Actually, may union ang mga banks and other financial instutions that are operating in our country regarding credit reporting so if yong credit company is a member of this then they will share your credit records with the other members. So if mag apply ka sa isang bank at member din makikita ang credit history mo probably you will be denied or else blacklisted in their union.
Harold Gomez
is in the Philippines
sabi po nung collection officer na tumatawag sakin pwedi daw po ako makulong pag diko na settle yun. Makukulong po ba talaga ako kung diko yun mababayaran?
Jescelyn Del Rosario
is a Legal expert in the Philippines
Hindi ka naman basta2x makukulong kung hindi sila magpafile ng kasong krimenal laban sa iyo. Makakatanggap ka naman ng summon kung sakaling magfile talaga sila ng kaso. If sakaling makatanggap ka ng summon at wala ka ring pambayad sa isang private lawyer maari ka namang magpatulong sa PAO lawyer pumunta ka lang sa kanilang opisina. In the meantime, subukan mo muna kausapin sila o kaya mag ipon ng pambayad nito.

About the author

Jescelyn Del Rosario

Legal Services and Litigation works Philippine/Foreign Paralegal Works Graduated AB Political Science and Bachelor of Laws at University of San Jose Recoletos-Cebu Completed Lawyers Trial Academy Training sponsored by IBP Cebu Chapter AIT-DOST Scholar at Cebu Institute of Technology
Profession: Lawyer
MJ Del Rosario Law Office and Associates
Office Address: Block 19, lot 26-27, Deca Homes, Talisay
Philippines , Talisay , Cebu
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