Sana may sunagot sa aking mensahe.
May utang po si mama sa isang tao, nagstart po yun nang year 2016. Monthly po ay nakakabibigay kami nang Interest sa kanya, dumating po yung April 2017, Maibabalik sana namin yung capital kaso hindi po sila pumayag, kaya kung baga po yung pang bayad sana sa capital ay binawas nila sa interest dahil hindi sila pumapayag. Kaya naging 15k ulit yung capital, Dumating po yung time na , naaksidente kapatid ko. Nagastusan po kami nang milyon, nagstay po kami nang 5 months dahil sa hindi makabayad till now may utang pa kami sq hospital. Yung inuutangan po namen ay nagsabi na hindi muna niya kami sisingilin dahil naawa sa amin, yun yung sinabi niya. From October 2017 to March 2018 nasa hospital kami, opo binigyan kami nang chance nung inuutangan namin. Hindi po sila nagsabi na , continuing pa rin yung interest. Ngayon po is umaabot na sa 50k yung interest lang po at wala pa po yung capital doon na 15k. Before pa po is , nakabigay na kami nang nakabigay, ngayon naman po yung isang may utang kami is 8k po yung capital inaabot na po nang 30k total interest po. Ngayon ay gipit na gipit pa po kami, dahil sa pagkaaksidente nang kapatid ko. Ano po kaya pwedeng legal advice?
Hihingi po sana ako nang payo ano po bang dapat gawin?
Jescelyn Del Rosario
is a Legal expert
in the Philippines
Unang-unang mas mabuting makipag negotiate sa kanila personally na gagawa kayo ng agreement na kung maari maireduce ang interest at capital na dapat bayaran. Kung hindi subukan na ipatawag sila sa Barangay para ng sa ganun may record naman na willing kayong makigpag ayos sa kanila ayon sa inyong makakaya at wala kayong intention na takasan ito. Kung talagang hindi magkasasundo lumapit nalang po kayo sa isang lawyer at magpagawa kayo ng letter na kung pwede malower ang inyong obligasyon. In this way, baka matakot sila na ilower lalo na if subrang taas ang interest na iniimposed nila. Baka in the future maghain sila ng complaint laban sa inyo atleast may evidence din na you tried your best to settle this amount pero subrang taas talaga ng interest. Sometimes, mas mabuti pa nga kung sa korte na mag usap ang parties dahil ang judge will reduce the interest if sa tingin niya aty excessive talaga kailangan lang ang mga evidence tungkol dito.
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