Loan monthly installments not paid, teach borrower unpaid loan a lesson

ER Santi
is a QA in the Philippines

Nagbenta po ako ng brand new Samsung S4 sa kasamahan ko sa trabaho dito sa Pilipinas. May agreement po kami na babayaran niya per payday for 4 months and aside from that pinagawa ko po siya ng letter stating yung amount ng cellphone na dapat niyang bayaran at kung paano niya ito babayaran.

Pero natanggal po siya sa trabaho, at lumipat ng ibang company. In short, hindi na niya po ako nabayaran. I tried calling him po pero blocked na yung number ko and i also tried send emails sa kanya several times pero dumating yung point na hindi na siya nagrereply.

Ano pong dapat gawin? Hope you could help me, dahil gusto ko lang matuto ng leksiyon yung mga taong ganyan.

Thank you so much

Your immediate response is highly appreciated.


Translation: I sold a brand new Samsung S4 to my co-worker/officemate at work in the Philippines. We had an agreement that he would pay for it in 4 monthly installments. I also asked my coworker to write a letter stating the amount of the cellphone/mobile phone, which he/she owes me and how it would be paid.

But he/she got dismissed from work and moved to another company. He/she did not pay me anymore the amount owed me. I tried calling him several times, until it came to a point when he stopped replying. What should I do? I want to teach him a lesson.


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Adelaimar C Arias-Jose
is a Legal expert in the Philippines
Well, you can file a case for estafa kung may fraud. O kaya, you can file a case for collection. Kailangan ay alam mo kung nasaan ang taong ito – kung saan nakatira or nagtatrabaho para kung magpapadala ng demand letter (first step) ang abogado, alam kung saan ito ime-mail.
Kailagan din ay alam mo kung nasaan ang taong ito kasi, para maipa-aresto mo siya. Kailangan din na ikaw ay maghain ng habla. Kung hindi ka maghahabla, hindi mo makukuha ang amount na dapat at maibayad sa iyo.

Kung nais mong turuan ng leksiyon, isumbong mo sa HR ng opisina nila. Kalimitan ay mahigpit ang mga opisina sa moral code ng mga empleyado. Kapag nagkaroon ng kaso ang empleyado, medyo baka matanggal siya. Kaso, baka ma-iskandalo ang tao, ikaw anaman ang idemanda. Please consult a lawyer para makapag-evaluate ng kaso mo kung ano ang pinaka-magandang gawin.

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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