Jailed because of loan, gadget, loan collector agent, legal suit case

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

Ako po ay nag loan. Gadget po yung kinuha ko sa isang mall na hindi ko po nabayaran dahil sa nawalan ako ng trabaho. May pumunta po kasing agent sa bahay namin at sabi 19 thousand na daw po yung utang ko at nasa legal office na daw po yung paper ko? Gusto ko lang po kung anong mangyayare ? Makukulong po ba ako?


Translation: I took a loan for a gadget that I bought from a mall. I wasn't able to pay for the loan because I lost my job. Then an agent went to to our house and said that the loan is already 19 thousand pesos and the legal suit has been filed in the legal office. What would happen to me? Would I get jailed?

 

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Adelaimar C Arias-Jose
is a Legal expert in the Philippines
Hindi ko maubos maisip kung paano ka naka-kuha ng instalment mula sa mall kung hindi at ikaw ay gumamit ng credit card. So, kung credit card ito, wala naming nakukulong dahil sa utang dito sa Pilipinas. Sa ibang bansa, hindi ko masagot. Pero, idedemanda ka pa rin nila ng civil case for collection. Hindi husgado ang dapat mong katakutan – yung collection agent – kasi, madalas nang ha-harass sila.

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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