Feeling overwhelmed by credit card debt? You're not alone. There are millions more, with more debts than you do.
But here's the truth – the sky isn't falling, and you have more power than you realize.
🔵 Myth vs. Reality: Collection agencies may paint doomsday scenarios, but let's set the record straight. In the Philippines, being a credit card defaulter isn't a criminal offense. You won't be thrown in jail for unpaid debts. These are just scare tactics.
🔵 Knowledge is Your Shield: Understand your rights. Collection agencies can only harass you if you do not know and allow them to do so. Threats, intimidation, or any form of harassment are illegal, and yet they continue to use them because defaulters you do not know. Dare their bluff and meet them in the barangay, in police station, and report them.
🔵 The Power of Truth: If you start believing the lies spun by unscrupulous collection agents, you give them power at your expense. The more you understand your rights and the legalities of debt, the less influence they have over you.
🔵 Take Control: Ignoring the problem won't make it disappear, but you have options. Talk to your creditors. Negotiate a realistic repayment plan. Seek financial counseling if necessary. You have the ability to navigate through this. But make sure that your priority is to survive. If you do not have the capacity to settle, then don't. Even with decided cases and with writ of execution and garnishment, if you have no money to PAY, then so be it. Why worry if you have decided civil cases? There are other millions in the same boat.
🔵 Stand United: Share your knowledge. The more people know the truth, the less power these myths hold. Together with similar experiences, create an environment of understanding and support, not fear and misinformation.
🔵 Remember: Your credit score can recover; your peace of mind is priceless. Don't let the fear of the worst overshadow your journey to financial freedom.
We're not just defaulters. We're are individual human beings with rights, options, and the power to change your situation. Do not let false fears dictate your lives and your future. Do not allow the CA crooks to control your life. Control the situation. Manage your life. Learn the diskartes.
In due time, you can recover.
Katatangap ko.po ng demand letter Kay cendania neri..kailangn ko daw bayaran Yung amount..ang laki po. Lalo d ko mababayaran. Bngyn ako ng taning na bayaran sa dec 12 2023 ano po gagawin ko salamat po
ReplyDeleteOld script. Tapon. You will receive similar useless demands and threats. Don't mind them. Chill ka lang.
DeleteKatatangap ko po ng demand letter kailangn bayaran ko po Yung amount na sinabi bago Dec 12 daw po pag d nabayaran aaksyunan daw po..wla po tlga ako pambayad ano po gagawin ko. Cendana neri pp ang nagpdala
ReplyDeleteThank you so much po for this. sobrang laking tulong po. Dahil kalmado na ang isip mas makakapag isip na ng maayos kung pano bumangon ulit at magkaron ng enough na income, para in the future mabayaran na lahat ng utang sa mga creditors.
ReplyDeletePrioritize your diskartes on how to recover. Pag wala pa talaga pambayad, eh di wala. Kahit ilang decided cases pa yan, no worries. As banker would always say, the court is our friend. It is always formal, legal and fair. If you recover later and decide to settle, negotiate on your terms.
DeleteHello po. Just in time po kaka open ko lang po ng email ko and may Ganitong letter po na dumating di man lang po sinabi Kung anong bank po ung case Kung meron man.. Ano po pwede kong gawin. Meron na po ba dito nakatanggap ng Ganitong letter. Ano po Kaya ang pwede ko pong reply dito.. Pa help naman po..
ReplyDeleteWrit of Execution to seize Property against you will be executed on December 6, 2023 03:00PM, by Court sheriff's & Authorities in line of your Civil Case at Pasig City MTC br. 69 Secure your presence at your Residence Venue to avoid any untoward incidents & issuance of warrant of arrest against you. Coordinate Atty. Mario Cayetano at 0921-4831183 / (02) 8642 3749
For details to avoid full extent of the law.
NCRPO CAMP BAGONG DIWA
Police master sergeant Carlito Mallari
09552035576
ncrpocampbagongdiwamain@gmail.com.
Pwede ko po kayang ireport yan sa bsp. Form po ba Kaya yan ng harassment. Sana po. Masagot
Old script. Tapon. You will receive similar useless threats. Don't mind them. Chill ka lang.
DeleteSonnixx Haven salamat po.. May nakalagay po kasi logo ng ncrpo camp bagong diwa. Kaya medyo kinabahan po ako.. Gusto ko po Sana replayan na ire report ko sila sa bsp for harassment Para di na sila makapanakot. If ever po may mag punta ano po ang gagawin ko.. Thanks po
Deletedo not allow them to get into your heads. lies and lies lang yan to pressure you to pay. pag magpunta sa house, hatid lang ng sulat yan. will you allow them na bastusin ka sa sarili mong bahay? if mambastos sayo, report mo sa barangay o sa police.
Deletebetter yet, maraming open posts dito that can help you with diskartes. backread ka. that will give you peace of mind.
Thank you so much po sir.. You and other admins and banker are big help..
DeleteI also received the same email yesterday. Grabe ung kaba ko! Good thing I saw this vlog very helpful for my sanity but still hindi maiwasan kabahan everytime I hear noises outside I feel na CA sila looking for me
Deletemay nakasuhan na po ba ng defaulted personal loan na may na issued na cheke?
ReplyDeleteMaraming na share na about this dito. For personal loans with issued checks, you have to find other ways for settlement
DeleteHello po. Ask ko lang kung nagdedemanda po ba ang PSBank? Anyone po na may defaulter sa bank na ito? Salamat po.
ReplyDeleteMost banks do. Though wala pa akong narinig sa PSBank. Yung may experience, pa share.
DeleteSorry po to ask
ReplyDeletemay PNB CC po ako na nahirapan n po ako bayaran ung min. due to health status n need ko iprioritize sa pagbuget reason kaya min na lang ang nababayran ko. silent reader din po ako.
Just want to Know lang po kung may History na po ba na nagfile ng demand ang CC ng PNB? pasensya na po sa tanong 🫣
Yes, and most banks do. But in many instances it is better that way. The courts are always formal, legal and fair. The banks will assess if it is worth filing the case. Kung may makuha pa sila sayo, then definitely they will file. kung wala, there is no point.
DeleteHi ask ko lang po sa BDO may 39k po ako na hindi mababayaran since nawalan na po ako ng Job ngayon. Tho nagemail po ako na I can't pay yung cc kaso wala pa po ako narereceived. Ano po kaya ang mangyayari, ilang years po ba bago mabenta po account ko sa iba? I think mga 2 years pa po ako makahanap ng stable job kasi naghahanap pa ako ng work ngayon. Thank you po
DeleteHello po..ask ko lang po how many years na defaulted bago ka mademanda ng bank? mag 2 yrs na rin akong defaulted sa 5cc pnb metro ub citi sana makaahon pa.
ReplyDeleteHow much po defaulted nyo.. Hindi po b kayo kinukulit sa calls ng mga collector?
DeleteNasanay na po..pero nung una halos sumabog na fone ko sa walang tigil na calls sinasagot ko nman na wala pa talagang pambayad iisa lng yanglitanya ko, nung nag more than a year na nag off na rin ako ng fone nagrereply n lng ako sa message at email nila, nagdadala din sila ng demand letter sa bahay tanggap lng din.sana makaahon pa..prayers ang pangpakalma ko at basa basa dito.
DeleteSa ngayon p okasi nagbabayad pa ako ng min. hoping na after ng medication ko macontinous kuna mabayaran ang PNB cc ko ng atlist mas malaki sa Min until mafully paid.. kaso may time na kinakapos talaga at sumasagi sa isip na istop kuna kasi sa interes napupunta ung binbayad ko natatakot lang din ako sa stress na maaring idulot ng di pagbayad
DeleteHello po sir Sonixx, nag email po ulit ako sainyo. Sana po may time po kayo at mapansin nyo po. Badly need your advice po sana. Salamat po.
ReplyDeleteLurker
Good evening po paano kung di na Po kaya bayaran lahat dahil sa patong patong na tubo pwede Po ba mawala Yung tubo at Yung mismo utang lang Po mabayaran
ReplyDeleteGood day po. Pa advice naman please. Defaulter po ako ng bpi at my decision na po ang korte last march 2021 pa. Nag aantay nalang talaga ako dun sa letter ng garnish.. kasi yun po yung nababasa ko dito dati na After decision garnish na yung kasunod. Actually ang laki talaga ng tulong nitong blog sakin na maging buhay normal kahit defaulter. Kaso ngayon po bumalik nanaman yung kaba ko. Kasi yung mother ko hindi nya tinanggap yung letter galing korte po ata yun. Bali pangalawang letter na ang dumating sa bahay po nila, parehong di nya tinanggap at sinabi nya di na ako dun nakatira... Dun po kasi naka address yung bpi ko. Nung kinasuhan kasi ako ng bpi nag aapartment na po kami ng husband ko. Pero nirereceive naman nya lahat ng letter na dumarating. Etong huli hindi daw. Tinanong ko kung anong letter ba yun. Ang sabi daw sa kanya nung nagdeliver subpoena daw. Kaya kinabahan po ako. Sabi ko sana nirereceive padin nya lahat ng letter para sa akin. Pa advice po..Dapat po ba akong kabahan. Baka kasi kinasuhan na ako ng stafa ng dabu dahil di nila ako mahanap. Posible po ba yun? Ano po bang dapat kong gawin? Sinabi ko sa mother ko lahat ng letter ireceive padin nya basta para sakin. Pa advice please.😔 Stress nanaman po ako kakaisip dahil kinakabahan nnaman po ako. TIA
ReplyDelete@Yuichi nabasa ko d2 pde d sumipot sa korte. Talo pa din sa case kung mag attend ka o ndi. Kung wala pa payment wala din naman sila magagawa. Kalma lang 😁
ReplyDeleteSalamat po sa reply.. My decision na po ako ng korte nung march 2021 pa po.. hindi din po ako umatend ng mga hearing.. bali yung inaantay ko nalang yung letter sana na mag gagarnish na sila. Kaya ang kinababahala ko po yung hindi pagtanggap ng letter na dumating dun s bahay ng parents ko. Twice na daw kasi yun hindi nya tinanggap. Yung huling letter tinanong daw nya sa delivery man kung ano ba daw yun. Ang sabi daw subponea. Possible po kaya yun na magkaso na sila agad ng ganun. Diba po hindi na civil case yun kung my subpoena na. Kaya kinakabahan po ako. Baka iniisip nila tinakbuhan ko na yung utang ko after decision ng korte. Kasi yung number ko din kasi na gamit ko sa bpi putol na din po yun matagal na. Ano po kaya maganda gawin.. need ko po ba tawagan yung dabu law office? Wla pa din kasi akong pambayad. Lubog padin kami sa utang gawa nung pandemic.
DeleteBaka para sa ibang card mo yun? Kasi kung may decision na nung March 2021 pa bakit ka padadalhan uli?
ReplyDeleteWala po akong ibang.cc. Bpi lang po ang meron ako at mga 13yrs kung gamit bago ako na default. Nagsara kasi yung business namin tapos sunod sunod ang problema kaya nalubog kami sa utang. Pag my decison na po ba hindi na sila magkakaso pa ng iba. Maniningil nalang po talaga? Na stress po kasi ako dun pag naiisip ko yung sinabi ng nagdala ng sulat na subpoena daw yung letter, yung kaba ko po sobra.
Delete@Yuichi when they file a case and eventually win they will hunt for assets. Based on posted experiences here they look for money in banks. But theres always that possibility they could go after other properties. Talk to BPI baka kaya pa magawan ng paraan. Goodluck.
DeleteA subpoena is issued by a court for you to know that you have a case and attend the hearing/s. If I may know how much is your defaul with BPI?
Delete700k po yung need bayaran with 6% interest per annum.. So possible po ba kinasuhan ako ng bpi aside sa civil case? Paano po yun just incase na subpoena nga po yun at hindi ni received ano po mangyayari? And ano po kaya ang pwedeng gawin?😔
Delete@Kinakape Meron na din po akong nareceived na motion for execution. Tapos nakalagay po ng writ of execution na date ay June 2023. Yan na po ba yung date ng garnishment na tinatawag or iba pa po yun?
Delete@Yuichi - hello, may balita ka dito? Meron narin akong Decision, and waiting for Writ of Execution. Nag garnish ba sila sayo? Are you still employed and commercial bank nacrecredit salary mo?
DeleteHello question po. Totoo po kaya ito? Yung domain po kc ng email is from @constantinolaw.com. kinakabahan po.
ReplyDeleteAll of our efforts to settle the above matter amicably have been unsuccessful. We have made numerous calls, to date, have not had the courtesy of a call back. We have delayed legal proceedings up to now based on your assurance that our client would be paid. Please be advised that you have left us no alternative but to file suit immediately. We understand your cash flow problems but our patience has now reached an end.
Your account is being turned over for filling and/or Court Litigation. While we regret the necessity of this action, we must advise you to govern yourself accordingly. We will be giving you an authority to pay your due Today until Tomorrow November 23.2023. To avoid Legal Damages and inconvenience on your part.
For filing after the due date
Thank you.
Regards..
Ms. Marycel Dorion
Legal Officer
Constantino & Associates Law Office
Cookie cutter email. Kung may pambayad magbayad kung wala pa let them know na wala pa. Thats all you could really do. And all that they could do is either wait or file a case.
Delete
DeleteGOOD DAY,
We received a paid ad "NOTICE TO THE PUBLIC" against -------------------dragging the name of DOSE FOODS Indicating that there is a violation of ARTICLE 315-318 OF THE REVISED PENAL CODE/ R.A 8484 Access Device.
We noticed that it will bring negative publicity against you in line with our mandate of protecting the interest of member newspaper organizations and promoting ethical standards in the profession.
In granting the same, may we request that you coordinate with the advertiser's representative of said advertisement. It will be published starting by FEBRUARY 16, 2024 in a newspaper and paid by a certain LAWYER.
Note: This is avoidable.
We recognize the duty to air the other side and promptly correct substantive errors.
Sincerely yours,
Mark Andrade
--
ANY FURTHER INFORMATION
PLEASE CALL THIS NUMBER URGENTLY!!!
FAQ: People's Journal
The
Nakarecib po ako nito sa email ko ... as far as i know wala naman akong alam na DOSE FOOD legit po kaya ito?? Pls help
Don't waste your energies on this. Delete.
DeleteThank you @Sonnixx Haven
Delete@Yuichi wala silang ibang pwedeng ikaso kundi civil case / sum of money. And dahil may desisyon na wala ka na magagawa.
ReplyDeleteGood day po ako po ay magtatanong defaulter po ako MB at EW na Hindi ko na rin po kinaya bayaran at dahilan na mag isa lang po ako bumubuhay sa 3 Kong anak. Ako po ay muling nakatanggap ng email na nakalay.
ReplyDeleteCourt Order: Property Ejectment
Despite repeated demands for you to pay your past due..etc . Schedule of field visit will be served to you with. Coordination of your Brgy Officials that will be held this Dec 18. By our legal representative in line of the Complaint filed against you. Please secure your presence to avoid untoward incidents & commotions. Coordinate with Atty Jonathan Acosta No. 09061650323 to avoid full extend of the law.
Sheriff. Dominador Masangkay
Municipal Trial Court
Email from: nlrc.sheriff.dm@gmail.com
Totoo na po ba kaya ito na may court order na. Ikukulong po ba? ANO po ba Ang gagawin ko.lagi po ako nagbabasa Dito muli nnmn ako nakatanggap ng email at bigla nnmn po ako nakaramdam Ng matinding takot at Di makatulog. Naway MATULUNGAN po ninyo ako kung ano po Ang gagawin ko. Maraming sSalamat po
Kung lagi ka nagbabasa dito alam mo na sana kung scam yan or totoo
DeleteNational Labor Relations Commission is NLRC. lol!
ReplyDeleteGood day. I received email from Collection ng Eastwest para sa amnesty kaso di pa rin kaya since nawalan ako work this year. May nakalagay po dun na possible for legal action. Hinde naman po nag ffile ang EWB di ba? Naka CC sa email Constantino Law office pero ang title naka sama open close parenthesis RGS. Salamat po
ReplyDeleteFirst time ko po madedefault sa cards and just want to know if sa QC ako nakatira pero yung permanent home address ko sa Bulacan, pupunta ba sila sa Bulacan? Or as long as updated present address ko sa bank, dun lang sila magpadala letter at magvisit? And kung magrereply naman po ako sa emails and sasagot calla, tatawagan pa din ba nila yung nasa emergency contact ko na nilagay ko sa application before? Salamat po.
ReplyDeleteWe really cant tell whats the CAs next move. We can only control ours
DeleteHello po. May 1 month old card palang ako sa UB pero something happened kasi so baka di ko siya mabayaran, kapag ganong case po ba ng default possible mademanda? Matatag ba as fraud? Kinakabahan po ako.
ReplyDeleteBackread ka kung talagang kinakabahan ka.
DeleteNagbackread naman po ako pero wala ako nabasa na same case, yung bago palang card then madedefault agad :(
DeleteAng utang sa credit card ay simpleng utang maski ano pa yan.
DeleteI am a silent reader since March 2018. Gusto ko lang mag thank you sa gumawa ng website na to dahil nakakalakas ng loob, and Yes Madami akong natutunan. Btw, I am a defaulter of 3 CCs (my 1st CC was not yet settled di ko pa sila kinakausap, 2nd CC- on going na; my 3rd - paid, well binawas sa account ko) Anyways, para dun sa nabasa ko na nagtatanong if pwede mag apply ng another CC with different bank, based on my experience po ito nag apply ako even I have defaulted CC na and approved naman.
ReplyDeleteMy experience, nakakareceived din po ako ng demand letters but I chose to ignore based sa mga payo dito, yun ibang letters nga napunit ko na ng hindi binubuksan, May nagpunta daw sa bahay dati hinahanap ako I dont know if CA to but kapitbahay ang nakausap, di ko na inalam kung anong na disclose, di rin naman kinuwento ng kapitbahay, still as of today close pa din naman kami with our kapitbahay. And even I am a CC defaulter, I was approved with the car loan - in house financing under my name, need ni Parents but hindi na approved under ng name nila. Also, Nakakalabas pa naman ako ng ibang bansa as a tourist.
Haba na po ng message ko gusto ko lang po talaga mag Thank you, si Banker and si Ms. Cherry palang before ang nakikita ko sumasagot sa queries, ngayon nakakatuwa na nadagdagan na. And wag po tayo masyadong magpakastress, our health is more important kesa sa utang. Happy Holidays po sa lahat.
Haiz, salamat Naman at may nag-thank you ! 🤗
DeleteNasa magkano po yung defaulted balance niyo?
DeleteHi sir retired Banker, pwede ko po mahingi email nyo po? May ask Lang po sana,, important lang po.. Thanks po..
DeleteADVANCE NOTICE
ReplyDeleteWrit of Execution to seize Property against you will be executed on December 20, 2023 03:00PM, by Court sheriff's & Authorities in line of your Civil Case at Pasig City MTC br. 69 Secure your presence at your Residence Venue to avoid any untoward incidents & issuance of warrant of arrest against you. Coordinate Atty. Mario Cayetano at 0936-2164515 / 0921-4831183 (02) 8642 3749
For details to avoid full extent of the law.
Pa help naman po. Kahapon ko lang nabasa yung email. Tumawag po ako Kay atty cayetano and he said na Meron nga pong civil case at yung babayaran ay nasa 400k daw po. He also read po yung papers as to why my civil case ako (change of address without informing the bank daw po - nag dodorm po kasi ako Kaya papalit palit po) Pero Ang alam ko po nasa 200k po yung nasa statement of accnt. Yung nadagda daw po kasi is bayad Nya as atty. if mag settle daw po ako hnd na daw po Nya papabayaran pamasko na lang daw po Nya sakin. I ask po if anong pwede na solution para hnd na mag punta pa sa province (where the writ of execution will be held) dahil nasa Manila po ako at yung parents ko lng yung nasa province. Ang sabi po Nya bayaran ko daw po yung 200k sa secbank then sya na daw po bahala mag counter ng case. Sinabi dn po Nya sakin na if wala ako sa province mag tuloy Ang case and worst hnd na ako makaka kuha ng NBI clearance and mag ka hold departure if balak ko po mag abroad.
Wag ka magpa SCAM. Backread.
DeleteHello. Po.. May natanggap din po akong ganyan na email.di ko po tinawagan. Atty. Cayetano din po ang pinapakausap
DeleteAnyone here who experienced updating their address pero si CA still went to the old address for the demand letter? Sana po masagot 😭 I'm a new defaulter. 3 CCs with around 130k each na di ko nabayaran.
ReplyDeleteCan't control on what the CAs do. Maghahatid lang ng sulat yan. Dont talk to strangers.
DeleteSalamat po sa reply Kinakape 😊 Mas ok ba sabihin nalang ng family members ko na wala na ko dun sa address na un? Para matigil na sila kakahatid ng letter?
DeleteThey will still send letters to the registered address. Just tell youre relatives not to receive correspondence not under their name.
DeleteHello po. Is this text message truly from SB Legal Team or CA? I defaulted this year for 150k
ReplyDeleteDear Security Bank Cardholder
This is Jayson Francisco Legal office of Security Bank. You have been continuously ignoring our demands for the payment of your SECURITY BANK MASTERCARD ACCOUNT. Your continued failure to settle said account may cause SECURITY BANK CORPORATION file a Liquidation stage to recover your obligation. Call us at 0912 733 7324 and look for Mr. Jerome Gerente for the possible settlement to your account. More so, failure to pay this time will list your name on the Listed of No Intention of Paying and take legal action. We will await your response.
CA yan medyo sablay ang grammar ei 😅
Delete@Kinakape Thank you so much po sa pagreply nyo po sa akin nakaraan. Sobrang malaking tulong po. Nung magka problema ako sa cc ko sa dami kong sinearch eto lang blog talaga na to yung malaking naitulong sa akin.. Palagi lang ako nagbabasa dito dati.. Kaya Thank you banker and Maam Cherry na palaging nag rereply dati sa mga question po dito.
ReplyDeleteTuloy lang ang diskarte sa buhay. Pag medyo natataranta backread lang dito sa blog 🙂
DeleteHi po! Magtatanong lang po ako I am a RCBC defaulter since 2020, nagstart po ako ma default because of hospitalization bills.. from the start goodpayer naman po ako. Year 2021 nag open po ako ng savings acct. sa rcbc and made me as hexagon club member. Recently I received a call from CA GCSS& Assoc. intimidating po si CA and telling me na bat wala pa daw ako pambayad eh may trabaho naman daw po ako. Sabi ko naman sakto lang ung sinasahod ko sa pangangailangan ng pamilya ko as a breadwinner. And she’s telling me na demandable na daw ung case ko kaya maghintay nalang daw ako ng demand letter. As of writing today may na received na letter from law firm ung ka work ko kasi dun po pala pinadala and they received the letter with my consent. Now po, i dont know what’s inside the letter.
ReplyDeleteIf madedemanda po ako, makukuha po ba nila ung mga property na merun po ako? For example po merun po ako sasakyan and this coming march is fully paid na po ito. Do they have the rights to seized it po? Hope matulungan nyo po ako. Maraming Salamat po.
Silent reader here since 2020. Super thankful sa blog po na ito.
Hello, ask ko lang po if legit yung "Approved One-Time offer" sent by Constantino Law Office. Sabi if masettle yung full amount na yun within due date, I will receive Certificate of Full Payment afterwards. All other charges like remaining balance, penalties, etc will be waived. Thanks
ReplyDeleteIf the offer was emailed using their corporate email add, most likey, yes.
DeleteVerify with the bank as well. Goodluck
Ano po mangyayari pag 1MM up ang utang sa card (Metro Bank) nag file ba ng case ang metro?
ReplyDeleteThis comment has been removed by the author.
Deletemost probably, they will. but they will usually their homework to ensure that they will be able to collect from you and recoup the legal costs. alam din ng banks na useless panalo nila pag wala ka rin naman pambayad later. just manage well the crooks. do not allow them to destroy your common sense and sanity.
DeleteLupet ni unionbank, yung natira sa existing payroll ko basta basta na lang kinuha. As in 0 natira. Visa setoff request ang nakalagay sa transaction. Payroll ko pa naman ito,ano po pw3de gawin?
ReplyDeleteThats an offset but Banker once posted that you could file for a certiorary. Ask for legal advice
DeleteMeron po akong default credit card sa Eastwest bank pero hindi ko po mabayaran kasi nagka cancer po ako. Hindi ko narin po nasasagot yun tawag ng CAs kasi wala naman po ako pambayad. Nagpadala na po sila ng mga messages na magpapadala sila ng officials ng barangay. Sinagot ko po yun isang text na may due process po before mag occular ng property. Tama naman po sinagot ko? Kasi kahit meron na po akong mga medical certificates ng sakit ko, grabe parin sila mang harass.
ReplyDeletemagkano po outstanding balance nyo with eastwest? yun din kasi yung may highest debt ako. may i ask what happened po sa situation nyo?
DeleteGood day! I'm a defaulter of RCBC, meron na po ba dito nakasuhan ng civil case? ALEXIS MOLAER LAW OFFICE po ang nag-email sakin. Nasa 10K+ lang naman po ang unpaid ko. Sa ngayon po wala pa po talaga ako pambayad. Should I ignore the calls, texts and emails? or better na sumagot ako and tell them na wala pa akong pambayad.
ReplyDeletesagutin mo and tell them wala pa. never allow them na murahin ka. drop the call agad if that happens. ang liit ng amount, di yan mag file ng case sayo.
DeleteHello. Im officiallly broke. I dont have money from the posts u have read nagdedemanda po un bank ko na madedefault what should i do? Nsa 500k po outstanding ko sa knila.. d ko po kaya bayadan.. willing namn po ako magbayad kaso yung monthly dues ko sa knila sobra pa kinukita ko.. what step shouls i do.nagkautang utang ako sa knila to keep up with my bills in the end nabaon lang ako.. stress na stress na po ako advice please waht can i do worst pa d pa alam ng mister ko bka hiwalanyan nya ako pag nalaman nya to..
ReplyDeleteMaaapektuhan po ba ang visa application sa Canada if may cc debt sa pinas?
ReplyDeletehello tanong lang po about home credit nag pa file po ba sila nang case?
ReplyDeleteHello po,
ReplyDeleteDefaulter po ako for over 3 mos now. Sobrang kulet ni telan law office CA ni rcbc everyday walang palya ang tawag sa office to the point na iirita na ang receptionist namin sobrang aggresive din maningil ng kausap ko. right now talaga struggling pa ako financially and short pa talaga sa funds. I’m expecting I can get back on track mga march pa talaga, ang worried ko lng by that time sobrang laki na ng interest and penalty fees not to mention ang sobrang kulet na CA’s. Please help naman po whats the best way to deal with them, naka try na po kayo magpa waive ng interest? Gusto ko po talaga makabayad at masalba ang ibang cards.
sabihan mo sila sa estado mo ngayon. negotiate with them. backread to know how to manage sa mga hunghang na kolektors
DeleteHello po, ask ko lang po kasi may nareceived na call ung barangay samin Police daw po named Roberto Medina at nagpapaassist po for property garnishment under sa name ko para bukas pero hindi naman sinabi anong company and ung number na binigay sa barangay unattended naman lagi at wala naman po ako narereceive na letter or demand letter prior this.
ReplyDeletenadali na naman barangay nyo. next time pag mag inform ang barangay, sabihan mo na naglipala ang scammers ngayon. pag walang documents, automatic scam yan. kahit sino pwedeng gawin yan at ipadampot si kapitan nyo. 😂 old scare tactic ng hunghang na kolektor yan. it is your right to educate your barangay officials of the right way. back read ka na rin. maraming na share na on this dito.
DeleteATTENTION
ReplyDeleteThis is from National Capital Region Police Office ( NCRPO) Camp Bagong Diwa. This is to inform you that we will assist and conduct operarion will be served within 24 hrs under Article 1170 Breach of Contract and Article 318 Deceit Tantamount to Swindling Case with motion of attachment of properties. Kindly call look for PMAJ Alvin Eugenio RTOC Division.
Hello,
ReplyDeletequestion lang po.. since 2011 pa po ako defaulter ng MBC and wala nman po nrinig from them since then tpos ngaun SP is calling me.. not sure pano nila nakuha number. Can i just let it go.. wala na po plan na bayaran? but i've learned the lesson nman po.
nalampasan mo nga for more than 10 years. ngayon pa. hahaha. let it go. let it go. diskarte lang.
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