Good morning! Hello po reTIRED Banker at sa lahat! Thank you po sa blogspot na ito at natahimik ang buhay ko for the last 10years. I've been a silent reader for a decade. Yung mga alahas ko nasangla ko lahat just to pay for my cards pero lahat napunta sa interest. I defaulted sa EWB(less than 20k), BDO(less than 50k) and RCBC (20k) nung nagkasakit ang asawa ko and he had to stop working for 10mos. Actually, si RCBC binayaran ko sa 3rd party collector nung 2013-2014. Hindi ko pa nadidiscover ang blogspot na ito nun. After ko mabayaran ng 18mos, the collectors were calling me again. 30mos daw dapat ang bayaran ko when an email say otherwise. Nagbabasa na ako sa diskarte nun at wala na talaga ako ibabayad so hinayaan ko na.
These past few weeks, nangungulit ang FF Magtibay Law Office/collector (different siya sa legit na Magtibay Law Office). Mag-ocular visit daw sila. Ilang buwan na siyang nagpa-final notice sa akin sa RCBC card ko. They also threatened na madedemanda ako eh Dec 2014 pako huling nagbayad. So naka-10 years na. Dati kinakabahan pa ako pag may love letter ang collector pero dahil sa blogspot na ito, na-enlighten ako.
Sa mga bagong defaulters na ginawa naman talaga lahat para makabayad pero hindi talaga kinaya, hang in there. Huwag niyo sayangin ang pera na ibayad tapos mapupunta lang lahat sa interest. Para kayong nagtapon ng pera sa balon. Unahin muna ang basic needs at ipunin ang iba para hindi na natin kailangan umutang ulit.
Hello po meron po akong cc bdo amex, 40k po ung credit limit nasagad na po lhat tapos minimum lng po bnbyran ko kasi bgla po ngka emergency. Tapos Ilang months narn akong ng stop mg pay ng minimum kc sa finance charge lng napupunta. Ngtry po ako na tmwag sa Cs sbout restructuring program pero sbi nla twagan daw po ako pg na approve Isa lng po cc ko. Maku Kulong po ba ako pg d ko muna byran pg Iipunan ko po muna kht gwn lng installment
Mg file ba cla small claim sakn I have bdo c amex po ng stop po ako mg pay ng minimum ksi sa finance charge lng nppnta my offer na restructuring program pero gang ngaun no update. Ilang months po sila bago MG file ng small claims nttkot po ako 40k po credit limit ko
I know. Kaya nga hindi ko sila pinapansin. Ilang "last settlement chances" ang natatanggap ko sa email tapos today filing of case naman ang email sa akin. Naglolokohan lang kami. May magtetext pa na add daw sila sa facebook at magbibigay siya ng bonus. Ano sira? 🥴
Hi, question lng po. meron po ba dito lately na naka received ng email from UB for payment settlement option? ang sabi sa email is collections department and UB cc default daw ako pero acct. # starting po sa 00. tinawagan ko po un collection ng UB ang sabi bka daw ho meron akong citibank cc ang sabi ko wala po akong citibank cc. or baka daw personal loan pero that was way back 2013 or 2015 na po nun na default ako? meron po ba dito maka advice kung anung magandang gawing sa ganitong scenario? Thanks.
Let them first prove that you have a defaulted loan. Then its either you negotiate and settle it if funds are there or you fight in court. Both of which takes time and.mo ey
Kumusta po? Nakaka stress mga nagpupunta sa bahay na para bang sa kanila ka may utang. Pano po kung may binabayaran na sasakyan at pagkatapos ng car loan, kukunin ba ng bank ung car?
i recently received a notice of garnishment from one of my bank. :( it has 10k on it so I couldnt able to transfer it na since nakahold na sya. And im afraid they would do the same to other banks I have. Help please anyone here na nakareceive na ng notice of garnishment. What did you guys do? This is giving me anxiety.
Hello my trial po d po umattend ng hearing meron na judgement which is to Pay the bank 6% per annum. and meron din sya interest after that judgement from 196k lumobo uli ng 300+k gawa nung mga interest at late charge after judgement na eto ha. 300+k kasi gawa nung mga attorney fees 196k lng tlga utang. So now ive received a letter and email from two of my banks regaeding garnishment. Nakafreeze isang bank sabi ng bank rep nakafreeze gawa mg garnishment. Yung isang bank account kinuha laman nasa 5k. Taz d na uli sya nakahold. Question po sana dito hanggang kelan po etong garnishment? Hanggang may magarnish po ba sila sa account? and tumutubo po ba tlga yung 6% per annum nila if d mabayaran ung monthly nila? kasi ky judgement na nga from court taz tumtubo pa dn ano yun d nakamoveon sa utang haayys please help po if someone has the same experience about this garnishment po.
pls. post your e-mail add here. although I'm retired and busy, I'll try to find time. p.s. most of those I requested like this, they never did. so, ...🤔
Hi Ella depende po sa bank legal counsel kasi ako defaulted ng 2018 kabilis lng ng process eh d ako umattend ng mga hearing and all so just last year my court judgement na and its in favor of bank to pay 6% per annum. So just last month i was surprise naka freeze ung 2banks ko which has small deposit lang naman one is still on hold, the other one is they have garnish the deposit na from one of my bank. And my worry also is the housing loan I acquired from pagibig although the title is still not under my name same with the condo which Im recently paying. Afraid that this will garnish too kahit na ung utang is 196k lang I dont know yet. I will arrange with the bank na lang pero baka kasi endorse din nila ako sa law office i actually dont know kung ano pa next step ng sheriff once na makita nilang wala ng active deposit sa bank.
it depends on how persistent the collectors are. Mine was DABU law office original 196k which has doubled due to interest penalty and attorney fees and court fees . I want to arrange this to pay the original amount na lang sana but i dont know if that is possible since there is already a judgement to pay them 6%. I also dont know until when the garnishment will be. Someone told be could lasts up to 5 yrs depending on how persistent the sheriff is to look into bank accnts and properties.
Hi po Ms. A. What happened n po woth your garnishment? Grabe ung bngay n problem now skin same tau Dabu law office dn ngfile skin and lumabas n ung notice of garnishment. Ask k lng dn po kc i have payroll ky bpi and they told me that all of it will be on hold until i fully paid the 1M+ n utang k s knila. I even told them that salary k un and im the breadwinner but they told me that it was from the court that even payroll account will be garnished. Jndi k dn alam ggwin k kng wla akng sswelduhin wla kming kakainin.. hndi k alam kng tama b un kc upon reading dn garnishment laws payroll are garnished up to only 25% of net pay. Sna po my mkareply since I dont know what to do
Hi @JMntcs the garnishment is still ongoing for Aub naka freeze pa din until now. Have to pay 300k+ to satisfy the judgement. But dont have money for now. They lifted the garnishment for bdo but cant take risk to deposit any amount not safe for now. Not sure for payroll garnishment. Maybe you can talk to hr to have it cash? Or cheque medyo hassle lang to encash. I think theres a new post from mr kabado here regarding rare case its also payroll garnishment.
@The last shot aub is still frozen pa din po. Bdo they have lifted the garnishment its also -302k previously like negative talaga @kape22 its bpi po ingat po tayo sa ban legal counsel nila talagang ngfafile sila ng case. Got the judgement already and decision is to pay the bank 6% per annum
@Ms Anong bank ka nag default? Parehas tayo na Dabu at nag padala ng writ of execution 2020, after 2 years nag send ng writ of Levi pero galing Daby walang galing sa sheriff o sa court at wala din dry seal at photocopy ng land title nag pinadala.
@JMntcs kailan ka po nag default? At kailan po lumabas judgement po? Dabu din akin bpi. Nag labas ng writ of execution after 2 years naf send ng photocopy ng land title at writ of levy property pero galing lang sa Dabu at wala dry seal tsaka wala din copy from mismong sheriff or from court. After nungg letter na pinadala jg dabu wala ng next na dunadating p maski from court.
@zel bpi din., defaulted 2018 got writ of execution last yr. They said banks dont go for properties only bank deposits not sure if its only applies if no bank deposits to garnish thats why they proceed with properties. Is the land title under your name? like the registration? If ung value ng property mo is million and the amount delinquent is only hundred thousand doesnt make any sense if they garnish your property just like that. suklian ka ba nila after nila makuha property mo? 🤔 ang sipag naman mashado ng sheriff to look into details kung san nakaregister land title mo para pqdalhan ka ng writ of levy property. Does the letter indicates they will garnish your property?
@the last shot i dunno how it was lifted all i know is they garnish the deposit amount of 5k. Previously it was -305k now its showing 0.00 for the balance. For my aub its still frozen bank manager from aub it was frozen due to garnishment they received from sheriff. it will only lift up once the amount from judgment has been satisfied.
Ms. A kamusta po BPI niyo? Same po tayo Dabu law din po Sakin ano nagkaroon na rin po ng garnishment ang worry ko lang po may property nakapangalan Sakin family home pwede ba nila makuha yun?
@Ms A nagamit na for loan yung title before sa same bank nabayaran o natubos n before kasi may ibang land naman pero yung land na niloan before s Bpi yun din yung nilagay sa letter ng dabu for levy pero nung finollow up naman wala naman naka attach sa land title o sulat. mas mahal yung land kesa sa utang. nung kumausap ako ng Pao before ko maka usap sila banker ang sabi mag go after daw sa land at isell daw sa mababa or auction. may bank account naman pero hindi sila nag go after may time lang na hindi ako naka widraw sa bdo account ko sa atm wala may promt message lang nakalimutan ko na anong message ang ginawa ko triny ko sa online bank trinansfer ko sa ibang ewallet nag push naman matransfee pero hindi ko na iniiwanan ng laman yung bank na un.
I dont keep bank account for bpi anymore too risky to make any deposits. I tried making deposits from other banks and sadly just this year march 2025 they sent garnishment of deposits to all of my bank accnts which has recent and active transactions. Havent talked to bank legal counsel yet to bpi which I wanted to do right now. Im thinking they will just endorse me to DABU. I also have property which is still mortgage but right now paying the mortgage from other payment method. The property is not yet under my name its still under company. They said properties are safe for garnishment, but im not really sure like case to case basis maybe someone here can enlighten us and give us more info. For example property is under your name and you have received the writ of levy property (were you able to receive a bank garnishment bank deposit garnishment prior to this)? Coz i got mine this march which freaked me out lol. So after receiving that email from one of my bank, I immediately stop making deposits and let them garnish whatever the balance I had in that bank account.
So you might wanna use dummy account for bank deposits like can ask your family member (husband children sibling) bank accnt to keep deposits (ofcourse someone you trusted too ☺️ make sure you have access to thatbdummy bank account too for monitoring transactions for your own benefit i know its too risky but if thats the last option to keep deposits why not.
@the last shot got the writ of execution 2022 then 2023 writ of levy na photocopy and not from the sheriffs office but it was sent by dabu thru lbc. payroll bpi i guess depende sa branch manager mine is safe yung sa bdo ko lang one time hindi ako naka widraw pero wala ako narereceive na notice or writ of garnishment . pero still active din account depende lang cguro sa mga bank manager kung saan account mo? plus alam ko hindi kasama payroll panuo mabubuhay yung may utang kung un kukunin nila ng buo?
Isang criminal case ang isinampa laban sa iyo sa Regional Trial Court para sa Estafa (Art. 315) at Swindling (Art. 318) ng Revised Penal Code. May sapat nang ebidensiya, at ang pagdinig ay sa Marso 17, 2025. Hindi pagtugon = agarang subpoena/summons.
Dahil sa patuloy mong hindi pagbabayad, isasampa na ang Collection of Sum of Money with Preliminary Attachment. Maaaring kumpiskahin ang iyong mga ari-arian, i-garnish ang suweldo, at ikaw ay ma-detain sa CIDG custody.
AGAD NA MAGBAYAD upang maiwasan ang mabigat na legal na aksyon!
Hello po Banker, naka-receive po ako ng text saying these:
Good day, This serves as STERN AND STRONG FINAL WARNING from FF MÀGTÍBÀY LAW OFFICE,on behalf of CollectÍÚs Philippines for your EASTWEST BANK acquired account. For how many times and in several attempts, our company sent its repeated demands for you to settle and pay your obligation but still unheeded. Thus, AGAIN we will be giving you only until March 21 2025 from receipt of this letter as your last opportunity to pay your Outstanding balance. Otherwise, we will proceed in securing the necessary warrant and writ against you, affecting your real and personal properties including your bank accounts once garnished through court process. Be that as it may, FF MÀGTÍBÀY LAW OFFICE on behalf of COLLECTÍÚS is willing to work on reasonable terms with you, just to settle this matter amicably. As such, you may contact these numbers ...
Hopefully may makatulong po sa akin, na-receive ko lang tong text message na to ngayon (March 19 , 2025)
Good day, This serves as STERN AND STRONG FINAL WARNING from FF MàGTíBAY LAW OFFICE,on behalf of Colleéctíus Philippines for your EASTWEST BANK acquired account. For how many times and in several attempts, our company sent its repeated demands for you to settle and pay your obligation but still unheeded. Thus, AGAIN we will be giving you only until March 21 2025 from receipt of this letter as your last opportunity to pay your Outstanding balance. Otherwise, we will proceed in securing the necessary warrant and writ against you, affecting your real and personal properties including your bank accounts once garnished through court process. Be that as it may, FF MàGTíBAY LAW OFFICE on behalf of COLLEéCTíUS is willing to work on reasonable terms with you, just to settle this matter amicably. As such, you may contact these numbers 0... and look for VINCENT. Thank
Meron na po ba dito naka receive ng FINAL DEMAND letter galing mismo sa BDO collections with letter head ng bangko tas jRS ang nag hatid? defaulted po ako nung 2022 sa knila, @retired banker, pag po ba d ako nag bayad within 5 days na sinasabi sa letter eh makakasuhan nako? 87k po ung nasa amount nung letter, TY po.
Hello po uli, naka-receive naman po ako ng another email from ca kahapon (March 20), Demand with Notîcé to Sue.
We write on behalf of our client, COLLèCTíUS PHILIPPINES, who duly and legally acquired your delinquent account from EASTWEST BANK1 PH under this account number . Records show that you have continuously failed to settle your outstanding balance amounting to Php 57xxx up to date. The actual outstanding balance will vary based on penalty and/or interest applicable until you have fully settled your obligation.
Several demands were made but went unheeded. Therefore, FINAL DEMAND is hereby made upon you to settle your outstanding loan obligation in full. Your failure to comply with the foregoing final demand within FIVE (5) DAYS from receipt hereof will constrain us to institute the necessary legal actions, whether criminal and/or civil. By then, we shall be demanding from you the appropriate amount of damages, attorney’s fees, and litigation expenses due to our client.
Hello everyone. Out of topic inquiry po, I just want to get your opinion. I have 2 credit card delinquent accounts, one from EWB and the other is from BPI. I am planning to apply for a Pagibig Housing loan, would that affect my application? I recently availed for a credit report through an app and my score was low. Now I'm worried that I might not get approved sa Pagibig. Your honest opinion will matter to me. Thank you.
may account po ako sa secbank na nagauautodebit sa payroll account which is wala ako magawa kase doon ako nasweldo. the thing is 30k a month yung kinakaltas nila which nagpapastdue dahil hindi naman malaki ang sweldo ko.
dahil dyan nawalan ako ng pambayad sa other credit cards namen which i am trying my best to settle at least the min due to avoid yung collections... kaso even ang daily expenses suffered na rin dahil sa patong patong na problema. kakayanin pong mabayad pero isa isa lang kaso lolobo interest ng iba and hindi na nga rin kayang bayaran magmula nung ganyan ang ginawa ng SB saken. umaabot na sa more than 1M kung pagsasama samahin pero mga balance convert po na hidni ko macover yung installment puro min due lang
nacollections na po yung SB ng asawa ko which balance convert yun kaya umabot na ng 289k nasa collections na po.. and yung BPI gusto ko na din sana magantay ng amensty kase 210lk na sya.
kapag mga ganyang amount po ba nadadala po ba talaga sa court or ilang years po bago madala sa court?
.. sa husband ko kase yung card ako nagmamanage... or bago gawin yun eh magooffer po ba?? muna sila at least ng amnesty until may pay off po sya please help me wat to do
Meron pong nag email sa akin about sa utang ko sa CC.totoo po ba kaya to na kapag nagbayad ako ng 50% sa kanila ay settle n ako. Please enlightened po ako..
By: ATTY. FRANCO SAMSON.
ATTENTION! Dear Debtor/ BORROWER,
This is HARRY from the office of Atty. Franco Samson Legal Department of Bank & Trust Company,
Please be aware that the status of your account is still recommended for Court Settlement. Despite repeated reminders and follow ups, our Officer is still giving you a chance to avail the Program instead of paying the whole amount of your Outstanding Balance. You can pay the discounted amount 50% Less from your Outstanding Balance. This extension is valid until On or Before APRIL 10, 2025 only.
If you still failed to settle your account. Our office is proceeding for the file for writ of attachment and also requesting a formal court hearing on MAY 5, 2025. This procedure is a Legal process based under Article 315 of Revised Penal Code of your unpaid debt. And Expect our Legal team for Execution of your property.
Thank you, Legal Assistant Office of Atty. Franco Samson
Hello Banker and peeps.. Pano po kaya maganda gawin or na experience nyo na po ba at naulit ba.. Ang lungkot lang kasi.. Un CA crook ang ginawa ng punta sa barangay.. Ang segway nya tinatanong nya un number address ko kahit madali naman hanapin ilang houses away from barangay lang.. Nagkataon andon ang Nanay ko may kausap.. Pinareceive nya un sulat sa nanay ko at nagbigay ng number ng agent nila.. Hindi po ba bawal un pagtatanong nya pa sa barangay san address ko.. O para paraan nila para mangulat..hindi ko naman kaya tlg makabayad pa.. Paano po kaya pag don pa rin sila sa barangay bumalik.. Nahiya ako sa Nanay ko kahit alam nya na namroblema ko. Salamat po
Email a Privacy Violation complaint sa m bsp. Cc mo ang bangko at CA. Adult ka na dapat sayo lang ibinigay ang letter. Sabihan mo din nanay mo na dont talk to strangers 😅
Meron ako ganyang experienced. Nagulat boss ko may tumawag sa office namin at meron daw akong warrant of arrest. Alam naman natin na scam yun. Kaya nag email ako sa kanila sinabi ko na huwag na ako tatawagan sa opisina. At wag sila magpapadala ng demand letter sa office namin.
Hello po. Itatanong ko lang po, paano po kung nag issue ng cheke sa bangko? Personal loan po. 5.years default na po. Puro about credit card po kasi ang nababasa ko dito. And kahapon lang po nabuhay na naman si CA. May business po kasi noon at dahil sa pandemic bumagsak ang business namin. Nagka cancer ang tatay ko, at kami lang po ang nagpapagamot sakanya. Pero kahapon makulit talaga itong CA. Nanghihingi pa siya ng kahit 5k daw which is alam ko naman na sakanila lang mapupunta. Sabi sa bangko daw ideposit para sure na legit. Tapos bp22 nga daw case ko kasi nag issue nga daw po ako ng cheke. Paano po ba sa mga personal loan na kagaya ko? May mga personal loan din po ba dito? Maraming salamat po sa inyo.
Hello everyone and reTIRED banker, I was surprised to received a call from Icon Collection this morning for the collection of unpaid CC debt. Please advise me how to handle an unpaid CC debt from Standard Chartered Bank that was almost 20yrs. Is the statute of limitations never ends? Thanks po..
Anyone po with experiences sa Home Credit Cash Loan? I was in stress lately kasi pumupunta sa office dala dala ung picture ko and asking everyone in the building about me, he went in the office but wala ako that time and yet my officemates told him na wala na ako doon nagwowrl which he dont bite it.. he came back d next day and showing my picture to everyone buti at nasanasa conference room ako.. he told my officemates. A he will never stop coming back.. what is d best way to deal with this person, bumabalik ang anxiety ko.
HELLO. TALK TO THE KOLEKTOR AND FEEL THEM NA YOU KNOW YOUR RIGHTS...
GANYAN MGA FIELD VISIT NI HOMECREDIT MAKAKAPAL MUKHA PERO TUMITIKLOK YAN KAPAG ALAM NIYA NA ALAM MO KARAPATAN MO. HARAPIN MO SILA. SABIHIN MO SA NBI KAYO MAGUSAP OR BRGY. WAG KA PAPAYAG NA GANYANIN
Good day everyone and retitred banker. Question lang po, halimbawa po ba nakasuhan ka na and may court order na pwede nang pumasok or halughugin ng sheriff kung ano man ang pwede nila makuha? Yung titulo ng bahay is hindi nakapangalan sakin, apo lang ako ng nakapangalan.i hope po masagot, thank you and more power
Hello po. May delinquent CC po ako sa PNB. Principal amount is 10,000 pesos then, nag balloon ng 18,000 pesos. Nakatanggap po ako ng email:
This serves as STERN AND STRONG FINAL WARNING from S.P. MADRID AND ASSOCIATES LAW FIRM on behalf of MBA CONSULTING PHILIPPINES on your unsettled PNB CREDIT CARD. For how many times and in several attempts, our company sent its repeated demands for you to settle and pay your obligation but still unheeded. Thus, we will be giving you only THREE (3) DAYS from this of this letter as your last opportunity to pay for your OUTSTANDING BALANCE. Otherwise, we will proceed in securing the necessary warrant and writ against you, affecting your real and personal properties including your bank accounts once garnished through court process.
Be that as it may, S.P. MADRID AND ASSOCIATES LAW FIRM on behalf of MBA CONSULTING PHILIPPINES is willing to work on reasonable terms with you, just to settle this matter amicably. As such, you may contact these numbers: 0998 968 8608 | 09190599878 | (028) 4651273 / Email address: mlegal@spmadridlaw.com Thank you and God bless.
Magandang araw po ang RCBC ko po ay balanse na 355k pero hndi po yan ang utang ko talaga may pinadala po si alexis moaler na letter sa akin bali 4 pages po ito at ung isa din ay ung suggestion nila sa bank na kasuhan na ako . Usually po ilan taon bago magkaroon ng kaso at kung may kaso na po ilan araw bago magarnish . Wala nman po akong ari arian salary ko lang po ang meron ako which is 15k a month po. A
Wala deadma. Wala kasi din ako pambayad hahaha. Also, di ko na din sinasagot tawag nila. Kapag email naman deadma din or minsan pinapatulan ko na sa court nalang.
hindi po umattend brother ko nung 2023 when he received summon (due to fsmall claims n file ni Cases &Chun for his Bank of Comerece CC)so after that all fam member didnt accept any letter na dumarating s bahay..
so ngaun 2025 nakareceive sya ng letter from bPi since may Payroll sya doon na they received garnishment order..
Nagfile po ba sila case? Etong mga banks? Kasi po yung akin BPI and my court judgement na to pay them 6% per annum . Defaulted last 2018 just this yr I i received email from my banks na freeze na . They garnish the deposit from one of my bank . Just small amount. so question is until is this garnishment thingy. Pag wala na sila mkitang bank deposits proceed po ba sila sa properties? Khit d pa totally naka pangalan sakin?
Hello. Not all banks filed a case. Minsan swertehan lang din kung mag file.
YES po. Nagarnish na yang account mo. One time lang po yung garnishment. After the sheriff magpadala ng letter sa lahat ng bank ay kukunin nila mga laman nun so better not to save money sa bank.
As what they say, your properties are good but we need cash. They only go for deposit.
That is my problem kasi ipapasok sa bank loan yung property baka ipahold lang :( napaka persistent nila. Iniisip ko na baka pwede mkipag nego na lang at bayaranyyng original at wag na bayadan ung mga interest courtfee and other charges not sure kung san ako punta if sa bank legal counsel nila O useless na na since meron na court judgement. para lang wala stress sa bank home loan
may legit sumon po nareceive brother ko wayback 2023 for 57,000 due to defaulter sya sa BOC.. since di nya inatenan ung hearing di na kami nakareceive ng news.. not until today
My Brother already receive letter from his payroll bank (BDO) na hold na ung certain amount (2,000) na meron sa payroll account yun due to garnishment.. and upon checking online may negative na po ung account nya.. (-55,000)
His digital bank is hindi nmn po nagarnish..
question po is kung ang sahod n expected nya ay 15k lang at naka -52,000 na meaning ung buong salary na ppasok sa account is kakainin lang nung -52,000.?
hindi po ba ito dapat certain amount lang hanggang da maubos ung -55,00?
also if ever magoopen sya s ibang bank ng account possible po ba na ihold din yun.?
1. meaning po ba since naka -55k na yung payroll account nya sa BDO is hindi na magagarnish ung ibang account nya like ung ioopen account p lng nya sa same bank or other Bank.?
2. until when po effective ang garnish.?
3. since nangyari to kay brother inaalala ko po ung CC ko na defaulter ako yr 2013 pa tho minsanan may pramdam ung CA possible din po ba un mauwi s small claims.? kahit 1 adecade na ung CC kung san ako defaulter.? pasensya na po nagpanic lang ako dhail s nangyari kay brother
Once lang po ang Garnishment hindi pwede tumambay yan sa account. Question is bakit yan naka -55k, did he already ask the branch of account regarding diyan.
2. Kung idedemanda ka ng bank noon pa yun. Dekada na po. Expired na yan kasi gang 10yrs lang pwede ikaw idemanda. Si CA na problem mo na tatakutin ka hehe
since BDO payroll nya is naka -55k na He ask for HR help na cash na lang but the company can only issued chequr with the same bank (BDO) question ngayon ni brother is maeencash nya kaya un since sa BDO nya din ung naka -55k dahil sa garnish.? or possible ihold din ito.?
Ito na naman kami, after may tumawag sa boss ko last December na ako raw ay may warrant of arrest ngayon naman sa barangay naman namin tumawag at meron daw mga Sheriff na pupunta at ipa padlock daw bahay namin. Tinawagan pa ako ng kapitbahay ko na taga barangay sinabi ko lang mga scammer yan, kaya natakot at hindi na rin binigay ung yung cellphone number na binigay sa barangay. Eastwest bank ang nire represent nilang bangko. Although alam ko naman na tolerated yan ng mga bangko at ng bangko sentral nag file pa rin ako ng complaint sa EastWest at bangko sentral. Sabi ng eastwest iniimbistigahan daw nila . Wait and see muna
Hello everyone.. silent reader here. Kumukuha po ako ng lakas ng loob dito. But just last week, EWB mismo nag message po sa akin thru SMS. nag worry po ako kasi straight from EWB po yung nag message. Sobrang financially challenged dahil sa sunod2 na problema ako, hindi ko Naman kinakalimutan but Hindi pa talaga kaya magbayad sa ngayon.. sana mapansin po..
EWB Advisory: MR./MS.__: This message serves to remind you that your EastWest Bank Credit Card ending in __ is under evaluation for possible legal action. EastWest has proactively sought to assist you by offering various repayment options and payment holiday since last year. In recent months, while the bank has been reaching out to you via calls, SMS, field visitation and email, your account remained unpaid. Failure to update your account is in violation of the Terms and Conditions Governing the Issuance and Use of EastWest Bank Credit Cards. Please settle your Outstanding Balance of PHP2***** or AVAIL OUR ONE TIME PAYMENT offer of PHP1***** on or before 23-Apr-25. Else, we will be constrained to endorse your account for possible legal action. Please call / to avail or should you need further assistance. Please disregard if full payment has been made or if you are not the intended recipient of this message. Thank you.
Mr kabado..txt ang security nag ooper na installment na utang ko..hindi ko pa po kya ano po gagawin ko? For filling na raw po. Madrid daw sla..reply daw ako sa txt nla d po ako nagrereply wala pa.ksi ako ibabayd. Tnxpo
Lagi naman silang for filing para takutin ka na pumayag agad sa offer nila.
A year from now at kung sila pa rin ang may hawak ng account mo sasabihin nila na for filing uli or kung makatanggap ka pa rin ng notice is FINAL DEMAND LETTER.
Good day po! Mag aask lang sana ako ng advice. May letter po akong natanggap from rtc. Ito po yung last paragraph sa letter.
In the light of the foregoing, thr court hereby grants the plaintiff's Motion for execution. Let a writ of execution issue enforcing the decision dated ...
May lupa po na nakapangalan sa aming magkapatid, may way po ba sila na malaman na may lupa kami and possible po ba for garnishment ito?
Ano po ang mga possible na magarnissh at ilang percent po ng sahod ang pde magarnish?
Hello po! I've been doing a lot of reading in here... kaso di pa rin ako mapakali. Kaya permission to vent po at baka may makuha akong advice from you guys. For context, good payer ako dati. But with family emergencies, responsibilities and overwhelming payables, it has led me to make lots of financial mistakes that I am now suffering from. Hanggang sa MAD nlng nakayanan ko bayaran sa mga CC ko for 3 years and it ballooned na to almost 1.5M lahat2x. OD na ako for almost a year na rin, kasi have to prioritize survival at needs ng stroke patient sa family. :( Now, knowing where I stand financially, hindi ko pa rin kaya mag settle. CAs have been giving me emails, letters/notices sa bahay, etc.. The banks and the CAs have been offering some amnesty, kaso ang problema is yung malakihang downpayment. Thanks sa mga nabasa ko dito, I was able to handle the CAs a lot better, though grabeh ang anxiety level na dulot nito sa akin. Pinipilit kung maging okay, kaso minsan, I'm haunted by all my ODs. Nag try din ako mag apply sa IDRP, kahit pa nasa 0.5% nalang yung interest , di kaya i-sustain yung monthly eh.. What I fear is baka months from now, may emergency na naman, at mag lapse lang ang payment, masasayang lang bayad ko. Very true talaga yung nabasa ko rito paulit-ulit na never negotiate for payment arrangements if hindi kaya masustain. Should I inform the banks na hindi na ako mag push thru sa IDRP application ko? OR hayaan ko nalang? Part of me wants to make our living home a collateral for a big loan, kaso I know that shouldn't be an option. Hirap na nga ako maka loan, bread winner and all. My biggest fear is if and when magkakaso ang banks, mabigyan kaya ako ng magandang offer sa court na sustainable? Hayst. Still rolling. My CCs will keep ballooning, for sure. Kaya, ipapa saDiyos ko nalang muna ang lahat. But any advice from you guys would surely help.
I defaulted on 5 cc's in 2019 w total amounting to almost 2M. I've been able to settle with 2 (maybank and rcbc) banks which gave steep discounts (80% and 75%) which means possible talaga to get steep discounts, at issue lang dito you, patigasan, you need to endure receiving emails/texts/calls from CA's. Also, your CC debt wont keep on ballooning, kung ano yun unpaid amount mo when you defaulted yun lang ang starting point tapos discount from there.
Hello po! Sana malaking discount din sa akin.. @Pink.. so ibig sabihin, yung starting point ko is yung time na below MAD ang payment? or yung zero payment na talaga?
hi po.. hindi po ba sila nagfile ng civil case.. natatakot po kase ako. ihave 289k sa sec bank and and bpi 2 mos past due pa lang pero like here hindi pa kaya for now.. hindi naman tatakbo...ilang years po ba bago icorte or ilang amount po ba ang utang na kinokorte nila?
Hi po badly need help. Nkagarnish n ung payroll account k with bpi dhil my notice n po ako ng garnishment. And my branch of account told me that hndi cya malilift until fully paid k n ung 1M+ k n utang with bpi. Wla daw ako makukuha khit singko s account k even payroll cya. Then nkalagay s notice is continuing garnishment cya. Hndi k n po alam ggwin k since bread winner ako and un lng inaasahan for my family with 3kids.kahit paulit ulit k sbhin n payroll un ksama daw un s garnishment. Ano po ggwink hndi k n po alam san lalapit..
Sorry to hear what happened. I seldom visit my blog now as I am with my other advocacy - street children. should you wish, you may post your email add/cp number here? (it won't get published) 👍
Hello. I just open the blog about Prism Blue same case kayo na BOBO si manager. Once lang po ang garnishment. Pakibasa yung post doon it explain the process
Yes BPI dn po ang payroll k and ngmamatigas c DABU law which is ung my hawak ng case k n included daw ang payroll and my cnsbi cla n 4 months preceeding ng execution lng ang exempted. PAO is not also helpful. Since my court order n daw wla n cla mgagawa. I can't afford to hire legal lawyer since wla nga ako salary which is un lng tlga knkunan k ng panggastos nmin.
@JMntcs Parang ang bilis naman ng preceeding ng execution ng iyo? kailan ka nagDefault sa BPI? Same tayo ng bank same Dabu din kaso ang ginawa npa sa akin nag padala sila ng Writ of Levy sa property pero photocopy at wala din akong copy natanggap from court or sheriff pero kay copy sila ng land title na inattached sa writ of Levy na signed ng sheriff pero walang book # sa ilalim para sa file ng case at walang dryseal. 2023 ko natanggap ung writ of Levy. writ of execution natanggap ko 2022.
Good day Paano po ba malalaman kung yung email is legit na galing talaga sa court? Ano po ba usually ang sample ng email if kinasuhan ka na ng bangko? Salamat po, and more power
I badly need help po! may delinquent card po kasi ako sa BPI. Fast forward po, nagkaroon ako ng sum of money case at nagkaroon na po ng decision. Ngayon po, may natanggap po ako na letter from the court po na ganito po ang sabi.
In the light of the foregoing, the court hereby grants plaintiff's motion for execution. Let a writ of execution issue enforcing the resolution and decision dated 24 November 2020."
based po sa letter, march 5, 2024 pa po ito at ngayon lang po naipadala.
Ngayon po, meron po kc binili ung parents ko na land at sa aming dalawa po ng kapatid ko pinangalan.
Ang alam ko po kc malelevy yung property pag na issue na ung writ of execution. Kaya po na sstress ako kasi hindi alam ng parents ko na may utang ako na ganun kalaki na hindi ko po nabayaran.
Ang issue ko po ngayon is may remedy ba para ma save ung lupa sa levy? Or ano po ang pwede kong gawin para ma halt ung writ of execution once nagkaroon na? May pwede po bang gawing paraan?
Same experience tayo. Nagkaroon ng annotation yung titulo ng lupa ko na encumbered na siya and naka line up siya for auction dahil sa court order. Ewan ko lang kung paano sa case mo na may kahati ka sa titulo ng lupa. Pa kuha ka ng certified true copy ng title mo ng lupa kung nagkaroon ng annotation sa 3rd page. Or kung nakita ng Sheriff ang lupa mo mag papadala naman sayo yan ng letter na successfully nila nalagyan ng annotation ang titulo mo. No choice kundi bayaran at mahirap na din makapag negotiate.
Magandang araw po banker. Magtatanong lang po ako if ang lupa (walang bhay na nakatayo) is automatic na kukunin ng bangko pag nagkaroon na ng writ of execution?
Yan sabi ng banko. They only go for deposit not sa bahay mo.
After magkaroon ng decision ay garnishment dapat muna once lang yun kapag after nun ay wala na. Then if ever they go for writ of execution but it never happen naman
Hi po Mr. Kabado, maraming salamat po! wala pong bahay pa na nakatayo doon sa lupa. Sabi po ng atty na kakilala ko, "pwede" daw yun makuha kung hindi daw "family home" yung property. Inexplain nya sakin na ang lupa na walang bahay eg hindi considered family home.
Kaya po ako nagtatanong kung may same scenario po ba sa akin na nakuha yung lupa nila dahil kulang o walang na garnish.
Nalaman na din po ng parents ko at galit na galit po sakin at pinalayas na po ako. Naaapektuhan na din po mental health ko.
Pagnagkaroon po ba ng writ of execution, gaano katagal ko kabilis ma garnish yung mga bank accounts?
hello Mr Defaulter, reading alot here since 2004 post. madami na nagarnish at wala pa po nakunan ng bahay at lupa or lupa kahit piso lang nakuha sa account at milyon ang utang.
I hope maging okay na kayo ng parents mo.
I OPEN THE THREAD ABOUT WRIT OF EXECUTION hanapin mo nalang po dito and you will learn alot doon
@cyclops-defaulter Anong bank ka po nag default and anong Law firm po nag demanda? Sa akin kasi may Writ of Levy na pinadala ang Law office pero photo copy at naka attache ung land title n nakuha nla plus yung letter ng writ of levy ng sherif na walang dryseal at walang book number para s file ng case. wala din akong natatanggap n letter from sheriff o galing court.
@Mr Defaulter Magkano po na-defaukt mi at anong bank at anong law office. may writ if levy ako pero galing ng law office walang dry seal at walang book number . Wala akong natatanggap na galing s mismong sheriff maliban lang s writ of execution ang huli kong natanggap na galing s court n may book number at may dryseal. Ang last n natsnggap ko ay writ of levy na galing sa law office at ndi sa sheriff o court.
@zel, about sa writ of levy, applicable din ba un kung mortgaged pa un property? Meron akong house and lot nakaloan pa sa bank. May unpaid bpi cc kasi ako nasa 1M na siguro un, di ko nga alam kung bakit sobrang laki ng interest, ang principal nun nasa 200-300k.
@Emm may writ of levy ka din po ba? hindi ko alam pag mortgaged pero ang nabasa ko dito after lang sila sa bank accounts at napaka bihira ng mag hanap sila ng properties. ang madalas din nababasa ko malupit sa pag fifile ng case at mag go after sa mga defaulter na Law office is Dabu.
Sana matulungan po ako.ano po ba pwede ko gawin if yung collecting agency is contacted my HR department and they said na need to connect with me since they need to discuss legal matter.thank you
I need help po 2019 po nung nagkaroon ako ng case sa BPI tapos Ngayon po nagkaroon na ng garnishment nahold po account ng asawa ko sa other bank tinawagan po Siya na for garnishment Ano po pwede gawin? Unaware po Siya na Siya na may cc debt po ko. Paadvice naman po. Baka po payroll magarnish din. Matagal na po ko Wala narereceive na letter kaya Di ko alam na may court decision na.
Good day. Defaulter since 2023. HSBC, EWB and METROBANK. May tumawag po kasi sa akin na kesyo sya daw po si SHERIFF SAGUISAG ng HALL OF JUSTICE. tapos nasagot ko po then sabi nya papabakuran na daw po yung sa may bahay namin. May letter daw po kasi sila nareceived na sinasabing may kaso daw po ako. Baka daw nag issue ako ng bounce cheque. Nung nag ask ako kanino bank galing hindi daw nila alam. Basta may letter lang daw sila dun. Hindi daw kasi nila pwede buksan.
Gaano po katotoo yung ganun? Tsaka puro demand letter lang naman po ang narereceived ko. Bakit po may sheriff po agad?
Natakot po ako kasi ang lakas ng boses nung kausap ko na parang nananakot talaga. Pero hindi naman po ako nagpatinag. Pinanindigan ko na wala akong inissue cheke na nag bounce. Yung po kasi yung pinipilit nila na case ko daw.
In legal way, hindi po tumatawag si SHERIFF hahahahah minsan kapag sobrang takot natin nawawala si common sense at totoo yan kasi nauuna si takot kaysa magisip.
Mr.Kabado2 kaya nga po. Natakot kasi talaga ako nung una kasi first time may tumawag na sheriff sa akin. Ask ko na lang din po Sir kung Alam mo po ba kung gaano katagal po bago ma garnish ang isang account? Or pinaka maiksing time? Less than 1 year po may nagagarnish na po ba na account?
Same experience, may tumawag na sheriff daw siya at ipa-padlock daw bahay namin. Pinagtawanan ko lang sabi ko hindi naman akin yung bahay para makuha nila. Akala matatakot ako.
old tactics na yan, but di maiwasan minsan kabahan ka bigla if pa sulpot2 sila haha sabihan mo hindi ka nakatira dun. recently my na received din ganyan kapatid ko via text then my pumunta sa bahay sabi tga Brgy. daw and my Sheriff daw nka antay sa Brgy. hall sabi ko di ko alam sino yang hinahanap mo at malimg address yan cguro yun di nabumalik. tamang diskarte lang at wag panghinaan ng loob. ingat po.
BTW, kamusta na po kayo Mr. Kabado? it's been a long time since nka balik ako dito ulit sa blog ni banker..it's good to see na active pa din pala to and mga orig members dito. I haven't seen ms cherrylou though, saan na kaya siya?
Hi All! If wala naman ako talagang pambayad pa sa utang ko sa CC, dapat pa ba din akong umattend ng hearing sa MTCC? Sa mga nabasa ko dito, bank accounts lang ang ginagarnish at never ang bahay at kotse, tama ba?
Hi po @reTIRED! Someone emailed our official email dito sa office and pati accounting office and other dept coming from babista law office. Ano pong magandang diskarte
You can either refer them to your legal department for comment (cyber crime/penal codes) and/or to tell everyone to let them file a case IF these are legitimate concerns and not merely a scam. p.s. I seldom write a reaction here because of my priority w/ street children. search mo lang "two yumburgers" here 😁
....posts that I will appreciate everyone's sharing voluntarily even two yumburgers for the street children after giving some diskartes about card defaulters. p.s. I am already reTIRED here, remember? 😁
Ay. Sure po. Where can i send po ba. Are you the BANKER i usually talk to before? 10 years na po ako defaulted sa cc and yun nga tumawag just now yung nag email dito sa office. Hehehe alam ko na po diskarte. Thanks.
wow! we have talked before pala? Yes. I'm the banker you were referring to, kaya lang, since 2022, I've change my handle to "reTIRED Banker" for obvious reason. lol! can you post your cp number here? (it won't get published) 👍
This is to formally notify you that a field visit has been scheduled in connection with the ejectment proceedings concerning the property located at:
Property Address: MARY SUBDIVISION ILOILO CITY ILOILO ILI PHL 5000
Date of Visit: May 12, 2025
Time: 3:00 PM
Purpose: Implementation of property ejectment order
The field visit will be conducted with the assistance of the following authorities to ensure lawful and orderly execution:
The Office of the Sheriff
Barangay Officials
Officers of the Philippine National Police (PNP)
We request your cooperation during the visit and ask that access to the premises be made available. Should there be any questions or concerns, please do not hesitate to contact me at 0997-511-2273 | (02)-851-43497.
Thank you.
the email I received came from this stcy.creditmanagement.ap@gmail.com (but no idea under anong cc or what)
trulala kaya ito? do they have the rights to do that? I remember reading here before na they can't do such things. but I'm just making sure since it's been a long time since I last received a message from the collectors. I don't know why they know my current address 🫠
what should I do, can you please give me an advice? thank you 🙏
Hello po can someone give me advice po may case po ko sa cc BPI nung 2019 then nagkaroon na po ng court decision and order po ng garnishment nung April 2025. Nagarnish po Yung sa savings account ko sa ibang bank. Ano po ba dapat gawin? May offer rin po ang Dabu law ng 100% waive Yung penalties. Kanino po ba dapat makipagcoordinate sa BPI or sa law firm po? Kindly enlighten me po kung ano next move dapat gawin.
This is to formally notify you that a field visit has been scheduled in connection with the ejectment proceedings concerning the property located at:
Property Address: (my current address, I don't know how were they able to know this)
Date of Visit: May 12, 2025
Time: 3:00 PM
Purpose: Implementation of property ejectment order
The field visit will be conducted with the assistance of the following authorities to ensure lawful and orderly execution:
The Office of the Sheriff
Barangay Officials
Officers of the Philippine National Police (PNP)
We request your cooperation during the visit and ask that access to the premises be made available. Should there be any questions or concerns, please do not hesitate to contact me at 0997-511-2273 | (02)-851-43497.
Thank you.
- my question, is this even possible? it's my first time again after a very long time to receive an email from a collector. I don't know kung anong card to kasi not indicated naman sa message nila. thanks
Ask ko lang po if may writ of execution na po for garnishment, if ever po. Madadamay po ba ang bank account ni spouse? Or yung account ng delinquent po. Im worried po kasi. Please enlighten me. Baka pag awayan po namin. And how about property garnishment po? Like family house po.
Oh i see po. Are they allowed po to do that? Kahit Hindi naman po aware sa delinquent ng card? What bank po ito? And bakit po account po ng spouse ang nagarnish? Kahit po may sariling account ang defaulter?..
Hindi ko nga rin po alam damay bank account ng asawa ko. Tumawag po sa kanya PS Bank at may binigay na letter about garnishment court order ng BPI. May way po ba para makuha Yung nagarnish sa PS Bank? Aside po dun nagarnish din yung account sa RCBC ko Buti Di po Malaki laman.
Hello everyone ,matagal na po ako dito nagbabasa ng.mga comments po,pero sa part ko po talagang natatakot po ako kasi defaulter din po ako ng ilang CC ,maraming calls from different CA"s, email, txt messages, nakakaloka na po.Umabot na rin po ng Millions yong ibang CC ko po.Ngayon naka received ako ng message na makipag coordinate daw sila sa heads namin at mag issue na daw ng subpoena. Pahingi po na advice. salamat po
just want to share my recent experience : 1. I accommodated somebody about kanyang "concerns". 2. twice! 3. and twice asked for my bank account para daw send siya pang-burgers. 4. never did as promised! 5. collectors kaya ito? 6. now, I hope you'll understand why I am partially shying away from this blog. 😁
I need help understanding what to do regarding a serious debt situation. I recently received a final demand letter from a law firm representing RCBC Bankard regarding my credit card account.
I originally had two credit cards, each with an outstanding principal of ₱373,000. Due to financial hardship, I wasn’t able to pay for a long time. Now, with all the interest, penalties, and charges, the letter says I owe around ₱1.1 million, excluding attorney’s fees.
They are threatening to file: • A civil case for collection, and • A criminal case for violation of Republic Act 8484 (Access Devices Regulation Act of 1998), which I understand can be serious.
The letter gives me five days to respond and settle, or they’ll proceed with legal action. But I honestly don’t have the capacity to pay that amount right now. I’m currently struggling financially, and I don’t know what my rights are or how to deal with this.
My Questions: 1. Can they really file a criminal case under RA 8484 just because I failed to pay? 2. Is it legal for them to charge me 25% attorney’s fees on top of the amount I owe? 3. What can I do if I can’t pay right now? Will I go to jail? 4. Has anyone here dealt with something like this before? 5. Should I respond to the letter even if I can’t pay anything yet?
Hello need lang po ng advice notorious po ba si Sb mag demanda? mag 4 years na po akong defaulted sa kanila 120k and haven't receive any emails po from CA. Then meron din po ako sa ACOM nag dedemanda din po ba sila around 40k po kasi yung amount. And possible po kaya mademanda ako ng fraud nag resign na po kasi ako sa previous company ko dahil sa stress sa collector na ini email yung company namin then lumipat na din po kami ng bahay kasi naka kuha po akonsa pag ibig. need lang po ng advise salamat po.
Hello@retiredbanker , been a silent reader for long time . Defaulter po ako ng EWB BPI BDO. For almost a year now. I was a good payer of EWB for long time. Nadagdagan cards ko just last year. Sana di ko n lng ginamit . Now Im drowning in debts. Madami need unahin kaya hindi nkakabayad. Di ako makacommit sa payment arrangement kasi di pa kaya isustain. Ngayon po I received a call na may civil case ako at criminal case ESTAFA. Wala po ako utang sa tao. Cc lang po pinagkakautangan ko. Police Master Sargeant daw po sya ng Manila Police District. May pinapatawag po sila na attorney para iclarify daw po kung sino nagkaso sakin doon daw po ako makipag usap. Kasi nagrereturn to sender daw po kasi ung mga sulat na pinapadala sakin . Which is totoo kasi hindi tinatanggap samin at lagi din po ako wala to receive it. Sabi nung pulis hindi daw po nila pwede buksan yung letter dahil nakaseal kaya tawagan ko daw po yung attorney na pinapatawagan nila at don ako makipag usap.
Kinkabahan po ako . Di ko alam gagawin . Ignore ko po lahat ng call at emails ng banks sakin . Minsan lang po ako sumagot.
Good morning! Hello po reTIRED Banker at sa lahat! Thank you po sa blogspot na ito at natahimik ang buhay ko for the last 10years. I've been a silent reader for a decade. Yung mga alahas ko nasangla ko lahat just to pay for my cards pero lahat napunta sa interest. I defaulted sa EWB(less than 20k), BDO(less than 50k) and RCBC (20k) nung nagkasakit ang asawa ko and he had to stop working for 10mos. Actually, si RCBC binayaran ko sa 3rd party collector nung 2013-2014. Hindi ko pa nadidiscover ang blogspot na ito nun. After ko mabayaran ng 18mos, the collectors were calling me again. 30mos daw dapat ang bayaran ko when an email say otherwise. Nagbabasa na ako sa diskarte nun at wala na talaga ako ibabayad so hinayaan ko na.
ReplyDeleteThese past few weeks, nangungulit ang FF Magtibay Law Office/collector (different siya sa legit na Magtibay Law Office). Mag-ocular visit daw sila. Ilang buwan na siyang nagpa-final notice sa akin sa RCBC card ko. They also threatened na madedemanda ako eh Dec 2014 pako huling nagbayad. So naka-10 years na. Dati kinakabahan pa ako pag may love letter ang collector pero dahil sa blogspot na ito, na-enlighten ako.
Sa mga bagong defaulters na ginawa naman talaga lahat para makabayad pero hindi talaga kinaya, hang in there. Huwag niyo sayangin ang pera na ibayad tapos mapupunta lang lahat sa interest. Para kayong nagtapon ng pera sa balon. Unahin muna ang basic needs at ipunin ang iba para hindi na natin kailangan umutang ulit.
Thank you po ulit reTIRED banker.
Hello po meron po akong cc bdo amex, 40k po ung credit limit nasagad na po lhat tapos minimum lng po bnbyran ko kasi bgla po ngka emergency. Tapos Ilang months narn akong ng stop mg pay ng minimum kc sa finance charge lng napupunta. Ngtry po ako na tmwag sa Cs sbout restructuring program pero sbi nla twagan daw po ako pg na approve Isa lng po cc ko. Maku
DeleteKulong po ba ako pg d ko muna byran pg Iipunan ko po muna kht gwn lng installment
Mg file ba cla small claim sakn I have bdo c amex po ng stop po ako mg pay ng minimum ksi sa finance charge lng nppnta my offer na restructuring program pero gang ngaun no update. Ilang months po sila bago MG file ng small claims nttkot po ako 40k po credit limit ko
DeleteKung idedemanda ka dapat nuon pa.
ReplyDeleteI know. Kaya nga hindi ko sila pinapansin. Ilang "last settlement chances" ang natatanggap ko sa email tapos today filing of case naman ang email sa akin. Naglolokohan lang kami. May magtetext pa na add daw sila sa facebook at magbibigay siya ng bonus. Ano sira? 🥴
DeleteHi, question lng po. meron po ba dito lately na naka received ng email from UB for payment settlement option? ang sabi sa email is collections department and UB cc default daw ako pero acct. # starting po sa 00. tinawagan ko po un collection ng UB ang sabi bka daw ho meron akong citibank cc ang sabi ko wala po akong citibank cc. or baka daw personal loan pero that was way back 2013 or 2015 na po nun na default ako? meron po ba dito maka advice kung anung magandang gawing sa ganitong scenario? Thanks.
ReplyDeleteLet them first prove that you have a defaulted loan. Then its either you negotiate and settle it if funds are there or you fight in court. Both of which takes time and.mo ey
DeleteKumusta po? Nakaka stress mga nagpupunta sa bahay na para bang sa kanila ka may utang. Pano po kung may binabayaran na sasakyan at pagkatapos ng car loan, kukunin ba ng bank ung car?
ReplyDeletei recently received a notice of garnishment from one of my bank. :( it has 10k on it so I couldnt able to transfer it na since nakahold na sya. And im afraid they would do the same to other banks I have. Help please anyone here na nakareceive na ng notice of garnishment. What did you guys do? This is giving me anxiety.
ReplyDeleteMadamme email ng garnishment agad nareceive mo? Wala po ba trial eto
DeleteHello my trial po d po umattend ng hearing meron na judgement which is to
DeletePay the bank 6% per annum. and meron din sya interest after that judgement from 196k lumobo uli ng 300+k gawa nung mga interest at late charge after judgement na eto ha. 300+k kasi gawa nung mga attorney fees 196k lng tlga utang. So now ive received a letter and email from two of my banks regaeding garnishment. Nakafreeze isang bank sabi ng bank rep nakafreeze gawa mg garnishment. Yung isang bank account kinuha laman nasa 5k. Taz d na uli sya nakahold. Question po sana dito hanggang kelan po etong garnishment? Hanggang may magarnish po ba sila sa account? and tumutubo po ba tlga yung 6% per annum nila if d mabayaran ung monthly nila? kasi ky judgement na nga from court taz tumtubo pa dn ano yun d nakamoveon sa utang haayys please help po if someone has the same experience about this garnishment po.
Anyone here please help or advise if ganun po ba talaga ung garnishment process?
Deletepls. post your e-mail add here. although I'm retired and busy, I'll try to find time.
Deletep.s.
most of those I requested like this, they never did. so, ...🤔
Ms A ano na po balita dito baka kasi ganto dn po mangari sakin e
DeleteHi Ella depende po sa bank legal counsel kasi ako defaulted ng 2018 kabilis lng ng process eh d ako umattend ng mga hearing and all so just last year my court judgement na and its in favor of bank to pay 6% per annum. So just last month i was surprise naka freeze ung 2banks ko which has small deposit lang naman one is still on hold, the other one is they have garnish the deposit na from one of my bank. And my worry also is the housing loan I acquired from pagibig although the title is still not under my name same with the condo which Im recently paying. Afraid that this will garnish too kahit na ung utang is 196k lang I dont know yet. I will arrange with the bank na lang pero baka kasi endorse din nila ako sa law office i actually dont know kung ano pa next step ng sheriff once na makita nilang wala ng active deposit sa bank.
Deleteit depends on how persistent the collectors are. Mine was DABU law office original 196k which has doubled due to interest penalty and attorney fees and court fees . I want to arrange this to pay the original amount na lang sana but i dont know if that is possible since there is already a judgement to pay them 6%. I also dont know until when the garnishment will be. Someone told be could lasts up to 5 yrs depending on how persistent the sheriff is to look into bank accnts and properties.
DeleteHi po Ms. A. What happened n po woth your garnishment? Grabe ung bngay n problem now skin same tau Dabu law office dn ngfile skin and lumabas n ung notice of garnishment. Ask k lng dn po kc i have payroll ky bpi and they told me that all of it will be on hold until i fully paid the 1M+ n utang k s knila. I even told them that salary k un and im the breadwinner but they told me that it was from the court that even payroll account will be garnished. Jndi k dn alam ggwin k kng wla akng sswelduhin wla kming kakainin.. hndi k alam kng tama b un kc upon reading dn garnishment laws payroll are garnished up to only 25% of net pay. Sna po my mkareply since I dont know what to do
Deletehi Ms A, question lang, aling mga banks ang nafreeze until now and which bank ang nag lift ng hold?
DeleteHello Miss A, ask ko lang ano bank po yan? Thank you
DeleteJMntcs kamusta po nagarnish po ba Yung salary niyo sa BPI?
DeleteHi @JMntcs the garnishment is still ongoing for Aub naka freeze pa din until now. Have to pay 300k+ to satisfy the judgement. But dont have money for now. They lifted the garnishment for bdo but cant take risk to deposit any amount not safe for now. Not sure for payroll garnishment. Maybe you can talk to hr to have it cash? Or cheque medyo hassle lang to encash. I think theres a new post from mr kabado here regarding rare case its also payroll garnishment.
Delete@The last shot aub is still frozen pa din po. Bdo they have lifted the garnishment its also -302k previously like negative talaga
Delete@kape22 its bpi po ingat po tayo sa ban legal counsel nila talagang ngfafile sila ng case. Got the judgement already and decision is to pay the bank 6% per annum
@Ms A - Pano na-lift garnishment mo sa BDO? tumawag kaba sakanila? and nawala naba yung nagetive na 302k sa BDO mo?
Delete@Ms Anong bank ka nag default? Parehas tayo na Dabu at nag padala ng writ of execution 2020, after 2 years nag send ng writ of Levi pero galing Daby walang galing sa sheriff o sa court at wala din dry seal at photocopy ng land title nag pinadala.
Delete@JMntcs kailan ka po nag default? At kailan po lumabas judgement po? Dabu din akin bpi. Nag labas ng writ of execution after 2 years naf send ng photocopy ng land title at writ of levy property pero galing lang sa Dabu at wala dry seal tsaka wala din copy from mismong sheriff or from court. After nungg letter na pinadala jg dabu wala ng next na dunadating p maski from court.
Delete@zel bpi din., defaulted 2018 got writ of execution last yr. They said banks dont go for properties only bank deposits not sure if its only applies if no bank deposits to garnish thats why they proceed with properties. Is the land title under your name? like the registration? If ung value ng property mo is million and the amount delinquent is only hundred thousand doesnt make any sense if they garnish your property just like that. suklian ka ba nila after nila makuha property mo? 🤔 ang sipag naman mashado ng sheriff to look into details kung san nakaregister land title mo para pqdalhan ka ng writ of levy property. Does the letter indicates they will garnish your property?
Delete@the last shot i dunno how it was lifted all i know is they garnish the deposit amount of 5k. Previously it was -305k now its showing 0.00 for the balance. For my aub its still frozen bank manager from aub it was frozen due to garnishment they received from sheriff. it will only lift up once the amount from judgment has been satisfied.
DeleteMs. A kamusta po BPI niyo? Same po tayo Dabu law din po Sakin ano nagkaroon na rin po ng garnishment ang worry ko lang po may property nakapangalan Sakin family home pwede ba nila makuha yun?
Delete@Ms A nagamit na for loan yung title before sa same bank nabayaran o natubos n before kasi may ibang land naman pero yung land na niloan before s Bpi yun din yung nilagay sa letter ng dabu for levy pero nung finollow up naman wala naman naka attach sa land title o sulat. mas mahal yung land kesa sa utang. nung kumausap ako ng Pao before ko maka usap sila banker ang sabi mag go after daw sa land at isell daw sa mababa or auction. may bank account naman pero hindi sila nag go after may time lang na hindi ako naka widraw sa bdo account ko sa atm wala may promt message lang nakalimutan ko na anong message ang ginawa ko triny ko sa online bank trinansfer ko sa ibang ewallet nag push naman matransfee pero hindi ko na iniiwanan ng laman yung bank na un.
Delete@Zel ask ko lang sana when lumabas decision mo at when lumabas writ of execution?
DeleteAsk ko rin kung naka hold parin BDO mo till now?
I dont keep bank account for bpi anymore too risky to make any deposits. I tried making deposits from other banks and sadly just this year march 2025 they sent garnishment of deposits to all of my bank accnts which has recent and active transactions. Havent talked to bank legal counsel yet to bpi which I wanted to do right now. Im thinking they will just endorse me to DABU. I also have property which is still mortgage but right now paying the mortgage from other payment method. The property is not yet under my name its still under company. They said properties are safe for garnishment, but im not really sure like case to case basis maybe someone here can enlighten us and give us more info.
DeleteFor example property is under your name and you have received the writ of levy property (were you able to receive a bank garnishment bank deposit garnishment prior to this)?
Coz i got mine this march which freaked me out lol. So after receiving that email from one of my bank, I immediately stop making deposits and let them garnish whatever the balance I had in that bank account.
So you might wanna use dummy account for bank deposits like can ask your family member (husband children sibling) bank accnt to keep deposits (ofcourse someone you trusted too ☺️ make sure you have access to thatbdummy bank account too for monitoring transactions for your own benefit i know its too risky but if thats the last option to keep deposits why not.
@Ms A, salamat po sa mga insights nyo, appreciate po if you could give me yung intervals bago napunta sa garnishment,
DeleteDecision date:
Writ of Execution date:
Garnishment date:
@zel, meron kana balita sa BPI Payroll mo? AFAIK bawal ang payroll full amount.
Delete@the last shot got the writ of execution 2022 then 2023 writ of levy na photocopy and not from the sheriffs office but it was sent by dabu thru lbc. payroll bpi i guess depende sa branch manager mine is safe yung sa bdo ko lang one time hindi ako naka widraw pero wala ako narereceive na notice or writ of garnishment . pero still active din account depende lang cguro sa mga bank manager kung saan account mo? plus alam ko hindi kasama payroll panuo mabubuhay yung may utang kung un kukunin nila ng buo?
DeletePINAL NA BABALA!
ReplyDeleteIsang criminal case ang isinampa laban sa iyo sa Regional Trial Court para sa Estafa (Art. 315) at Swindling (Art. 318) ng Revised Penal Code. May sapat nang ebidensiya, at ang pagdinig ay sa Marso 17, 2025. Hindi pagtugon = agarang subpoena/summons.
Dahil sa patuloy mong hindi pagbabayad, isasampa na ang Collection of Sum of Money with Preliminary Attachment. Maaaring kumpiskahin ang iyong mga ari-arian, i-garnish ang suweldo, at ikaw ay ma-detain sa CIDG custody.
AGAD NA MAGBAYAD upang maiwasan ang mabigat na legal na aksyon!
Violation of Revised Penal Code pero Sum of Money ang i-file which is a Civil case?
DeleteCrazy lawyer.🤣
Hello po Banker, naka-receive po ako ng text saying these:
ReplyDeleteGood day, This serves as STERN AND STRONG FINAL WARNING from FF MÀGTÍBÀY LAW OFFICE,on behalf of CollectÍÚs Philippines for your EASTWEST BANK acquired account. For how many times and in several attempts, our company sent its repeated demands for you to settle and pay your obligation but still unheeded.
Thus, AGAIN we will be giving you only until March 21 2025 from receipt of this letter as your last opportunity to pay your Outstanding balance. Otherwise, we will proceed in securing the necessary warrant and writ against you, affecting your real and personal properties including your bank accounts once garnished through court process.
Be that as it may, FF MÀGTÍBÀY LAW OFFICE on behalf of COLLECTÍÚS is willing to work on reasonable terms with you, just to settle this matter amicably. As such, you may contact these numbers ...
What to do po?
Hopefully may makatulong po sa akin, na-receive ko lang tong text message na to ngayon (March 19 , 2025)
ReplyDeleteGood day, This serves as STERN AND STRONG FINAL WARNING from FF MàGTíBAY LAW OFFICE,on behalf of Colleéctíus Philippines for your EASTWEST BANK acquired account. For how many times and in several attempts, our company sent its repeated demands for you to settle and pay your obligation but still unheeded.
Thus, AGAIN we will be giving you only until March 21 2025 from receipt of this letter as your last opportunity to pay your Outstanding balance. Otherwise, we will proceed in securing the necessary warrant and writ against you, affecting your real and personal properties including your bank accounts once garnished through court process.
Be that as it may, FF MàGTíBAY LAW OFFICE on behalf of COLLEéCTíUS is willing to work on reasonable terms with you, just to settle this matter amicably. As such, you may contact these numbers 0... and look for VINCENT. Thank
Ano po gagawin ko?
Meron na po ba dito naka receive ng FINAL DEMAND letter galing mismo sa BDO collections with letter head ng bangko tas jRS ang nag hatid? defaulted po ako nung 2022 sa knila, @retired banker, pag po ba d ako nag bayad within 5 days na sinasabi sa letter eh makakasuhan nako? 87k po ung nasa amount nung letter, TY po.
ReplyDeletedo I have your cp/email add na po ba?
Deleteyour e-mail add was not recognized by gmail.com ( instead, cp number na lang?)
DeleteHello po uli, naka-receive naman po ako ng another email from ca kahapon (March 20), Demand with Notîcé to Sue.
ReplyDeleteWe write on behalf of our client, COLLèCTíUS PHILIPPINES, who duly and legally acquired your delinquent account from EASTWEST BANK1 PH under this account number . Records show that you have continuously failed to settle your outstanding balance amounting to Php 57xxx up to date. The actual outstanding balance will vary based on penalty and/or interest applicable until you have fully settled your obligation.
Several demands were made but went unheeded. Therefore, FINAL DEMAND is hereby made upon you to settle your outstanding loan obligation in full. Your failure to comply with the foregoing final demand within FIVE (5) DAYS from receipt hereof will constrain us to institute the necessary legal actions, whether criminal and/or civil. By then, we shall be demanding from you the appropriate amount of damages, attorney’s fees, and litigation expenses due to our client.
Ano po gagawin dito? Pasensya na Po sa abala
can you provide me with your e-mail or cp number? ( it won't get published)
Deletee-mail sent. 👌
DeleteHello everyone. Out of topic inquiry po, I just want to get your opinion. I have 2 credit card delinquent accounts, one from EWB and the other is from BPI. I am planning to apply for a Pagibig Housing loan, would that affect my application? I recently availed for a credit report through an app and my score was low. Now I'm worried that I might not get approved sa Pagibig. Your honest opinion will matter to me. Thank you.
ReplyDeleteNothing to do but try.
DeleteAlso try not to input personal details in an app. Madaming scammer ngayon.
hello po @retirebanker
Deletemay account po ako sa secbank na nagauautodebit sa payroll account which is wala ako magawa kase doon ako nasweldo. the thing is 30k a month yung kinakaltas nila which nagpapastdue dahil hindi naman malaki ang sweldo ko.
dahil dyan nawalan ako ng pambayad sa other credit cards namen which i am trying my best to settle at least the min due to avoid yung collections... kaso even ang daily expenses suffered na rin dahil sa patong patong na problema. kakayanin pong mabayad pero isa isa lang kaso lolobo interest ng iba and hindi na nga rin kayang bayaran magmula nung ganyan ang ginawa ng SB saken. umaabot na sa more than 1M kung pagsasama samahin pero mga balance convert po na hidni ko macover yung installment puro min due lang
nacollections na po yung SB ng asawa ko which balance convert yun kaya umabot na ng 289k nasa collections na po.. and yung BPI gusto ko na din sana magantay ng amensty kase 210lk na sya.
kapag mga ganyang amount po ba nadadala po ba talaga sa court or ilang years po bago madala sa court?
.. sa husband ko kase yung card ako nagmamanage... or bago gawin yun eh magooffer po ba?? muna sila at least ng amnesty until may pay off po sya
please help me wat to do
Meron pong nag email sa akin about sa utang ko sa CC.totoo po ba kaya to na kapag nagbayad ako ng 50% sa kanila ay settle n ako. Please enlightened po ako..
ReplyDeleteBy: ATTY. FRANCO SAMSON.
ATTENTION!
Dear Debtor/ BORROWER,
This is HARRY from the office of Atty. Franco Samson Legal Department of Bank & Trust Company,
Please be aware that the status of your account is still recommended for Court Settlement. Despite repeated reminders and follow ups, our Officer is still giving you a chance to avail the Program instead of paying the whole amount of your Outstanding Balance. You can pay the discounted amount 50% Less from your Outstanding Balance. This extension is valid until On or Before APRIL 10, 2025 only.
If you still failed to settle your account. Our office is proceeding for the file for writ of attachment and also requesting a formal court hearing on MAY 5, 2025. This procedure is a Legal process based under Article 315 of Revised Penal Code of your unpaid debt. And Expect our Legal team for Execution of your property.
Thank you,
Legal Assistant
Office of Atty. Franco Samson
Kung may pambayad na sk the bank to confirm.
DeleteHello Banker and peeps..
ReplyDeletePano po kaya maganda gawin or na experience nyo na po ba at naulit ba.. Ang lungkot lang kasi.. Un CA crook ang ginawa ng punta sa barangay.. Ang segway nya tinatanong nya un number address ko kahit madali naman hanapin ilang houses away from barangay lang.. Nagkataon andon ang Nanay ko may kausap.. Pinareceive nya un sulat sa nanay ko at nagbigay ng number ng agent nila.. Hindi po ba bawal un pagtatanong nya pa sa barangay san address ko.. O para paraan nila para mangulat..hindi ko naman kaya tlg makabayad pa.. Paano po kaya pag don pa rin sila sa barangay bumalik.. Nahiya ako sa Nanay ko kahit alam nya na namroblema ko. Salamat po
Email a Privacy Violation complaint sa m bsp. Cc mo ang bangko at CA. Adult ka na dapat sayo lang ibinigay ang letter. Sabihan mo din nanay mo na dont talk to strangers 😅
DeleteMeron ako ganyang experienced. Nagulat boss ko may tumawag sa office namin at meron daw akong warrant of arrest. Alam naman natin na scam yun. Kaya nag email ako sa kanila sinabi ko na huwag na ako tatawagan sa opisina. At wag sila magpapadala ng demand letter sa office namin.
DeleteHello po. Itatanong ko lang po, paano po kung nag issue ng cheke sa bangko? Personal loan po. 5.years default na po. Puro about credit card po kasi ang nababasa ko dito. And kahapon lang po nabuhay na naman si CA. May business po kasi noon at dahil sa pandemic bumagsak ang business namin. Nagka cancer ang tatay ko, at kami lang po ang nagpapagamot sakanya. Pero kahapon makulit talaga itong CA. Nanghihingi pa siya ng kahit 5k daw which is alam ko naman na sakanila lang mapupunta. Sabi sa bangko daw ideposit para sure na legit. Tapos bp22 nga daw case ko kasi nag issue nga daw po ako ng cheke. Paano po ba sa mga personal loan na kagaya ko? May mga personal loan din po ba dito? Maraming salamat po sa inyo.
ReplyDeleteParehas po tayo ganyan din ako personal loan sa EW. Pina-issuehan nila ng cheke. Same din tayo di nakakabayad pa. Di ko rin po alam ang gagawin. 😔
DeleteBP22 was decriminalized. Scare tactic lang yan.
DeleteHello everyone and reTIRED banker,
DeleteI was surprised to received a call from Icon Collection this morning for the collection of unpaid CC debt. Please advise me how to handle an unpaid CC debt from Standard Chartered Bank that was almost 20yrs. Is the statute of limitations never ends? Thanks po..
HELLO ROAN,
DeleteNOT ALL CHEKE AY BP22... May post dito dati na after 5 years ay hinabol pa siya ni kolektor pero wala ng bisa yun hehe
Anyone po with experiences sa Home Credit Cash Loan? I was in stress lately kasi pumupunta sa office dala dala ung picture ko and asking everyone in the building about me, he went in the office but wala ako that time and yet my officemates told him na wala na ako doon nagwowrl which he dont bite it.. he came back d next day and showing my picture to everyone buti at nasanasa conference room ako.. he told my officemates. A he will never stop coming back.. what is d best way to deal with this person, bumabalik ang anxiety ko.
ReplyDeleteHELLO. TALK TO THE KOLEKTOR AND FEEL THEM NA YOU KNOW YOUR RIGHTS...
DeleteGANYAN MGA FIELD VISIT NI HOMECREDIT MAKAKAPAL MUKHA PERO TUMITIKLOK YAN KAPAG ALAM NIYA NA ALAM MO KARAPATAN MO. HARAPIN MO SILA. SABIHIN MO SA NBI KAYO MAGUSAP OR BRGY. WAG KA PAPAYAG NA GANYANIN
Good day everyone and retitred banker.
ReplyDeleteQuestion lang po, halimbawa po ba nakasuhan ka na and may court order na pwede nang pumasok or halughugin ng sheriff kung ano man ang pwede nila makuha? Yung titulo ng bahay is hindi nakapangalan sakin, apo lang ako ng nakapangalan.i hope po masagot, thank you and more power
HELLO SCARED,
DeleteSheriff ONLY GO FOR DEPOSIT.
SMILE AND PRAY NA
Hello po. May delinquent CC po ako sa PNB. Principal amount is 10,000 pesos then, nag balloon ng 18,000 pesos. Nakatanggap po ako ng email:
ReplyDeleteThis serves as STERN AND STRONG FINAL WARNING from S.P. MADRID AND ASSOCIATES LAW FIRM on behalf of MBA CONSULTING PHILIPPINES on your unsettled PNB CREDIT CARD.
For how many times and in several attempts, our company sent its repeated demands for you to settle and pay your obligation but still unheeded.
Thus, we will be giving you only THREE (3) DAYS from this of this letter as your last opportunity to pay for your OUTSTANDING BALANCE. Otherwise, we will proceed in securing the necessary warrant and writ against you, affecting your real and personal properties including your bank accounts once garnished through court process.
Be that as it may, S.P. MADRID AND ASSOCIATES LAW FIRM on behalf of MBA CONSULTING PHILIPPINES is willing to work on reasonable terms with you, just to settle this matter amicably.
As such, you may contact these numbers: 0998 968 8608 | 09190599878 | (028) 4651273 / Email address: mlegal@spmadridlaw.com
Thank you and God bless.
Hello FIN.
DeleteMOVE ON AND DEADMA.
I have defaulted PNB card din since 2020, and 2025 na AND EVERYTHING IS GOOD NAMAN.
Magandang araw po ang RCBC ko po ay balanse na 355k pero hndi po yan ang utang ko talaga may pinadala po si alexis moaler na letter sa akin bali 4 pages po ito at ung isa din ay ung suggestion nila sa bank na kasuhan na ako . Usually po ilan taon bago magkaroon ng kaso at kung may kaso na po ilan araw bago magarnish . Wala nman po akong ari arian salary ko lang po ang meron ako which is 15k a month po. A
ReplyDelete@Ella,
ReplyDeletegot your email.
duly replied na po. 👍
HELLO EVERYONE.
ReplyDeleteHELLO BANKER.
MISS YOU GUYS!
Nawala ako ng matagal huhuhu sorry banker ngayon ko lang narecover itong email na ito.
welcome back! 👌
Delete2020 DEFAULTER HERE... AND JUST UPDATE YOU GUYS.
ReplyDeleteChinabank 50k- makulit mga collector lalo si GCCS and RGS
PNB 20k- no update sa CA
RCBC Gold 50k, RCBC Classic 30k- minsan paramdam si CA
Metrobank Gold- 100k, Metrobak Classic 30k, Metrobank ON- kakaoffer lang ni Collector.
Eastwest Bank 100k asa 200k na- RECOVERY department offered 56k to close the account
Hello Mr. Kabado02
Deleteano po nagging actions nyo when some collectors of your default Cc ay nagpaparamdam.?
Hello Au-Au,
DeleteWala deadma. Wala kasi din ako pambayad hahaha. Also, di ko na din sinasagot tawag nila. Kapag email naman deadma din or minsan pinapatulan ko na sa court nalang.
hi po sir.. as in may court order po sa inyo? may kaso po ba kapag hindi sumipot sa court?
DeleteHello @stressed01
Deletehindi po umattend brother ko nung 2023 when he received summon (due to fsmall claims n file ni Cases &Chun for his Bank of Comerece CC)so after that all fam member didnt accept any letter na dumarating s bahay..
so ngaun 2025 nakareceive sya ng letter from bPi since may Payroll sya doon na they received garnishment order..
HALA NAMISS KO MAGBASA DITO...
ReplyDeleteASAN NA KAYA si Maam Cherrylou huhu miss you maam.
Si Planter
and others...
and lalo si BANKER...
MALAKI PO UTANG NA LOOB KO SA MGA ITO. MAGIINGAT PO KAYO LAGI.
TO ALL READERS HERE,
ReplyDeleteBASA LANG KAYO DITO. AND LAHAT NG ADVICES. BEEN 5 YEARS DEFAULTER AND I'M GOOD.
REMEMBER.
1. FORGET THE DEBTS. NOT THE LESSON.
2. ACCEPT THE FACT THAT YOU CAN NO LONGER TO PAY. THEN MOVE ON.
3. DON'T FORGET TO PRAY.
to easily contact me, here is my email: mrkabado033@gmail.com
Nagfile po ba sila case? Etong mga banks? Kasi po yung akin BPI and my court judgement na to pay them 6% per annum . Defaulted last 2018 just this yr I i received email from my banks na freeze na . They garnish the deposit from one of my bank . Just small amount. so question is until is this garnishment thingy. Pag wala na sila mkitang bank deposits proceed po ba sila sa properties? Khit d pa totally naka pangalan sakin?
DeleteHello. Not all banks filed a case. Minsan swertehan lang din kung mag file.
DeleteYES po. Nagarnish na yang account mo. One time lang po yung garnishment. After the sheriff magpadala ng letter sa lahat ng bank ay kukunin nila mga laman nun so better not to save money sa bank.
As what they say, your properties are good but we need cash. They only go for deposit.
does it mean po wala na po garnishment na mangyyare po ? Since may nakuha na po sa bank ko po?
DeleteMs A,
DeleteOne time lang po ang garnishment pero kapag bobong Manager gaya nangyari kay Prism Blue noon ay tuloy tuloy.
Better gawing cash muna or wag muna lagyan
That is my problem kasi ipapasok sa bank loan yung property baka ipahold lang :( napaka persistent nila. Iniisip ko na baka pwede mkipag nego na lang at bayaranyyng original at wag na bayadan ung mga interest courtfee and other charges not sure kung san ako punta if sa bank legal counsel nila O useless na na since meron na court judgement. para lang wala stress sa bank home loan
DeleteMr kabado. Ignore lng ba mga nag ttxt na mga number? Kasi natatakot po ako. Sa mga txt nla wla pa po.kasi ako ibbyad. Tnx po
ReplyDeleteSometimes sinasagot ko pero sinasabi ko na recorded line fro security pero eme lang yun para di siya boses rude.
DeleteSagutin mo po. Kapag nalaman nila na pwede ka taukutin ay gagamitin nila yan para iharass ka lalo
Good Day reTiReD Banker.. sonixx.. Mr Kabado02z
ReplyDeleteQuestion po.. baka may idea kayo..
may legit sumon po nareceive brother ko wayback 2023 for 57,000 due to defaulter sya sa BOC.. since di nya inatenan ung hearing di na kami nakareceive ng news.. not until today
My Brother already receive letter from his payroll bank (BDO) na hold na ung certain amount (2,000) na meron sa payroll account yun due to garnishment.. and upon checking online may negative na po ung account nya.. (-55,000)
His digital bank is hindi nmn po nagarnish..
question po is kung ang sahod n expected nya ay 15k lang at naka -52,000 na meaning ung buong salary na ppasok sa account is kakainin lang nung -52,000.?
hindi po ba ito dapat certain amount lang hanggang da maubos ung -55,00?
also if ever magoopen sya s ibang bank ng account possible po ba na ihold din yun.?
Hello. Garnishment po ay once lang. After the sheriff magpadala ng letter sa mga bank ay titignan nila mga account mo kung may laman din kukunin nila.
DeleteSo better, your brother talk thr HR na baka pwede cash muna ang sahod since my garnishment na nangyari.
Hi Mr Kabado..
Deletesorry po pwede po palinaw ng Once lang.?
1. meaning po ba since naka -55k na yung payroll account nya sa BDO is hindi na magagarnish ung ibang account nya like ung ioopen account p lng nya sa same bank or other Bank.?
2. until when po effective ang garnish.?
3. since nangyari to kay brother inaalala ko po ung CC ko na defaulter ako yr 2013 pa tho minsanan may pramdam ung CA possible din po ba un mauwi s small claims.? kahit 1 adecade na ung CC kung san ako defaulter.? pasensya na po nagpanic lang ako dhail s nangyari kay brother
Baka BDO din yung BOC
DeleteBank of Com po sya defaulter
DeleteHello Au-Au,
DeleteOnce lang po ang Garnishment hindi pwede tumambay yan sa account. Question is bakit yan naka -55k, did he already ask the branch of account regarding diyan.
2. Kung idedemanda ka ng bank noon pa yun. Dekada na po. Expired na yan kasi gang 10yrs lang pwede ikaw idemanda. Si CA na problem mo na tatakutin ka hehe
Salamat sa Responce Mr.Kabado02 salamat sa mga info
DeleteMr Kabado02
ReplyDeleteother Question again..
since BDO payroll nya is naka -55k na
He ask for HR help na cash na lang but the company can only issued chequr with the same bank (BDO) question ngayon ni brother is maeencash nya kaya un since sa BDO nya din ung naka -55k dahil sa garnish.? or possible ihold din ito.?
Hello. Possible naman na maencash niya yung cheke basta wag deposit.
Deletesalamat sa repsonce Mr.Kabado02
Deletesalamat sa matyagang pag sagot po.. 🫡🫡🫡
Hello @Au-Au - kamusta dito? naka negative parin ba BDO nya?
DeleteIto na naman kami, after may tumawag sa boss ko last December na ako raw ay may warrant of arrest ngayon naman sa barangay naman namin tumawag at meron daw mga Sheriff na pupunta at ipa padlock daw bahay namin. Tinawagan pa ako ng kapitbahay ko na taga barangay sinabi ko lang mga scammer yan, kaya natakot at hindi na rin binigay ung yung cellphone number na binigay sa barangay. Eastwest bank ang nire represent nilang bangko. Although alam ko naman na tolerated yan ng mga bangko at ng bangko sentral nag file pa rin ako ng complaint sa EastWest at bangko sentral. Sabi ng eastwest iniimbistigahan daw nila . Wait and see muna
ReplyDeleteHello everyone.. silent reader here. Kumukuha po ako ng lakas ng loob dito. But just last week, EWB mismo nag message po sa akin thru SMS. nag worry po ako kasi straight from EWB po yung nag message. Sobrang financially challenged dahil sa sunod2 na problema ako, hindi ko Naman kinakalimutan but Hindi pa talaga kaya magbayad sa ngayon.. sana mapansin po..
ReplyDeleteEWB Advisory: MR./MS.__: This message serves to remind you that your EastWest Bank Credit Card ending in __ is under evaluation for possible legal action. EastWest has proactively sought to assist you by offering various repayment options and payment holiday since last year. In recent months, while the bank has been reaching out to you via calls, SMS, field visitation and email, your account remained unpaid. Failure to update your account is in violation of the Terms and Conditions Governing the Issuance and Use of EastWest Bank Credit Cards. Please settle your Outstanding Balance of PHP2***** or AVAIL OUR ONE TIME PAYMENT offer of PHP1***** on or before 23-Apr-25. Else, we will be constrained to endorse your account for possible legal action. Please call / to avail or should you need further assistance. Please disregard if full payment has been made or if you are not the intended recipient of this message. Thank you.
standard yan, huwag ka kabahan. just ignore it and block sender.
DeleteMr kabado..txt ang security nag ooper na installment na utang ko..hindi ko pa po kya ano po gagawin ko? For filling na raw po. Madrid daw sla..reply daw ako sa txt nla d po ako nagrereply wala pa.ksi ako ibabayd. Tnxpo
ReplyDeleteLagi naman silang for filing para takutin ka na pumayag agad sa offer nila.
DeleteA year from now at kung sila pa rin ang may hawak ng account mo sasabihin nila na for filing uli or kung makatanggap ka pa rin ng notice is FINAL DEMAND LETTER.
Keep cool lang and do not rush into things po.
Mr kabado. Iba iba.ksi number ginagamit d ko alam knino.ako mkikipag usap..at mag settle. Bka ma scam lng ksi ako..
ReplyDeleteGood day po! Mag aask lang sana ako ng advice. May letter po akong natanggap from rtc. Ito po yung last paragraph sa letter.
ReplyDeleteIn the light of the foregoing, thr court hereby grants the plaintiff's Motion for execution. Let a writ of execution issue enforcing the decision dated ...
May lupa po na nakapangalan sa aming magkapatid, may way po ba sila na malaman na may lupa kami and possible po ba for garnishment ito?
Ano po ang mga possible na magarnissh at ilang percent po ng sahod ang pde magarnish?
Hello po! I've been doing a lot of reading in here... kaso di pa rin ako mapakali. Kaya permission to vent po at baka may makuha akong advice from you guys.
ReplyDeleteFor context, good payer ako dati. But with family emergencies, responsibilities and overwhelming payables, it has led me to make lots of financial mistakes that I am now suffering from. Hanggang sa MAD nlng nakayanan ko bayaran sa mga CC ko for 3 years and it ballooned na to almost 1.5M lahat2x. OD na ako for almost a year na rin, kasi have to prioritize survival at needs ng stroke patient sa family. :(
Now, knowing where I stand financially, hindi ko pa rin kaya mag settle. CAs have been giving me emails, letters/notices sa bahay, etc.. The banks and the CAs have been offering some amnesty, kaso ang problema is yung malakihang downpayment. Thanks sa mga nabasa ko dito, I was able to handle the CAs a lot better, though grabeh ang anxiety level na dulot nito sa akin. Pinipilit kung maging okay, kaso minsan, I'm haunted by all my ODs. Nag try din ako mag apply sa IDRP, kahit pa nasa 0.5% nalang yung interest , di kaya i-sustain yung monthly eh.. What I fear is baka months from now, may emergency na naman, at mag lapse lang ang payment, masasayang lang bayad ko. Very true talaga yung nabasa ko rito paulit-ulit na never negotiate for payment arrangements if hindi kaya masustain.
Should I inform the banks na hindi na ako mag push thru sa IDRP application ko? OR hayaan ko nalang? Part of me wants to make our living home a collateral for a big loan, kaso I know that shouldn't be an option. Hirap na nga ako maka loan, bread winner and all. My biggest fear is if and when magkakaso ang banks, mabigyan kaya ako ng magandang offer sa court na sustainable? Hayst. Still rolling. My CCs will keep ballooning, for sure. Kaya, ipapa saDiyos ko nalang muna ang lahat. But any advice from you guys would surely help.
I defaulted on 5 cc's in 2019 w total amounting to almost 2M. I've been able to settle with 2 (maybank and rcbc) banks which gave steep discounts (80% and 75%) which means possible talaga to get steep discounts, at issue lang dito you, patigasan, you need to endure receiving emails/texts/calls from CA's. Also, your CC debt wont keep on ballooning, kung ano yun unpaid amount mo when you defaulted yun lang ang starting point tapos discount from there.
DeleteHello po! Sana malaking discount din sa akin.. @Pink.. so ibig sabihin, yung starting point ko is yung time na below MAD ang payment? or yung zero payment na talaga?
Deletehi po.. hindi po ba sila nagfile ng civil case.. natatakot po kase ako. ihave 289k sa sec bank and and bpi 2 mos past due pa lang pero like here hindi pa kaya for now.. hindi naman tatakbo...ilang years po ba bago icorte or ilang amount po ba ang utang na kinokorte nila?
DeleteHi po badly need help. Nkagarnish n ung payroll account k with bpi dhil my notice n po ako ng garnishment. And my branch of account told me that hndi cya malilift until fully paid k n ung 1M+ k n utang with bpi. Wla daw ako makukuha khit singko s account k even payroll cya. Then nkalagay s notice is continuing garnishment cya. Hndi k n po alam ggwin k since bread winner ako and un lng inaasahan for my family with 3kids.kahit paulit ulit k sbhin n payroll un ksama daw un s garnishment. Ano po ggwink hndi k n po alam san lalapit..
ReplyDeleteSorry to hear what happened.
DeleteI seldom visit my blog now as I am with my other advocacy - street children.
should you wish, you may post your email add/cp number here?
(it won't get published) 👍
your email add was "not recognized" IDK why. CP number lang kaya?
Deletegot your number ✔
DeleteAsk ko lang yung payroll mo is BPI din?
DeleteHello. I just open the blog about Prism Blue same case kayo na BOBO si manager. Once lang po ang garnishment. Pakibasa yung post doon it explain the process
DeleteThe BPI legal team orders its managers to garnish until fully paid.
DeleteYes BPI dn po ang payroll k and ngmamatigas c DABU law which is ung my hawak ng case k n included daw ang payroll and my cnsbi cla n 4 months preceeding ng execution lng ang exempted. PAO is not also helpful. Since my court order n daw wla n cla mgagawa. I can't afford to hire legal lawyer since wla nga ako salary which is un lng tlga knkunan k ng panggastos nmin.
Delete@JMntcs Parang ang bilis naman ng preceeding ng execution ng iyo? kailan ka nagDefault sa BPI? Same tayo ng bank same Dabu din kaso ang ginawa npa sa akin nag padala sila ng Writ of Levy sa property pero photocopy at wala din akong copy natanggap from court or sheriff pero kay copy sila ng land title na inattached sa writ of Levy na signed ng sheriff pero walang book # sa ilalim para sa file ng case at walang dryseal. 2023 ko natanggap ung writ of Levy. writ of execution natanggap ko 2022.
Delete@zel meron ka balita here? naka hold parin ba?
Delete@zel, may I ask po when po kayo nagkaroon ng decision? since yung writ of execution nyo is in 2022.
DeleteGood day
ReplyDeletePaano po ba malalaman kung yung email is legit na galing talaga sa court?
Ano po ba usually ang sample ng email if kinasuhan ka na ng bangko?
Salamat po, and more power
I badly need help po! may delinquent card po kasi ako sa BPI. Fast forward po, nagkaroon ako ng sum of money case at nagkaroon na po ng decision. Ngayon po, may natanggap po ako na letter from the court po na ganito po ang sabi.
ReplyDeleteIn the light of the foregoing, the court hereby grants plaintiff's motion for execution. Let a writ of execution issue enforcing the resolution and decision dated 24 November 2020."
based po sa letter, march 5, 2024 pa po ito at ngayon lang po naipadala.
Ngayon po, meron po kc binili ung parents ko na land at sa aming dalawa po ng kapatid ko pinangalan.
Ang alam ko po kc malelevy yung property pag na issue na ung writ of execution. Kaya po na sstress ako kasi hindi alam ng parents ko na may utang ako na ganun kalaki na hindi ko po nabayaran.
Ang issue ko po ngayon is may remedy ba para ma save ung lupa sa levy? Or ano po ang pwede kong gawin para ma halt ung writ of execution once nagkaroon na? May pwede po bang gawing paraan?
@Mr Defaulter
DeleteSame experience tayo. Nagkaroon ng annotation yung titulo ng lupa ko na encumbered na siya and naka line up siya for auction dahil sa court order. Ewan ko lang kung paano sa case mo na may kahati ka sa titulo ng lupa. Pa kuha ka ng certified true copy ng title mo ng lupa kung nagkaroon ng annotation sa 3rd page. Or kung nakita ng Sheriff ang lupa mo mag papadala naman sayo yan ng letter na successfully nila nalagyan ng annotation ang titulo mo. No choice kundi bayaran at mahirap na din makapag negotiate.
Kadalasan po ba, ang mga lupa po ba ang unang tinitignan ng mga sheriff? Inuuna nila mag garnish?
DeleteMagandang araw po banker. Magtatanong lang po ako if ang lupa (walang bhay na nakatayo) is automatic na kukunin ng bangko pag nagkaroon na ng writ of execution?
Delete“You property is good but we need cash”
DeleteYan sabi ng banko. They only go for deposit not sa bahay mo.
After magkaroon ng decision ay garnishment dapat muna once lang yun kapag after nun ay wala na. Then if ever they go for writ of execution but it never happen naman
Hi po Mr. Kabado, maraming salamat po! wala pong bahay pa na nakatayo doon sa lupa. Sabi po ng atty na kakilala ko, "pwede" daw yun makuha kung hindi daw "family home" yung property. Inexplain nya sakin na ang lupa na walang bahay eg hindi considered family home.
DeleteKaya po ako nagtatanong kung may same scenario po ba sa akin na nakuha yung lupa nila dahil kulang o walang na garnish.
Nalaman na din po ng parents ko at galit na galit po sakin at pinalayas na po ako. Naaapektuhan na din po mental health ko.
Pagnagkaroon po ba ng writ of execution, gaano katagal ko kabilis ma garnish yung mga bank accounts?
hello Mr Defaulter, reading alot here since 2004 post. madami na nagarnish at wala pa po nakunan ng bahay at lupa or lupa kahit piso lang nakuha sa account at milyon ang utang.
DeleteI hope maging okay na kayo ng parents mo.
I OPEN THE THREAD ABOUT WRIT OF EXECUTION hanapin mo nalang po dito and you will learn alot doon
Hello po Mr Kabado... If nasa court na at nagkasundo by that time with the banks for a certain payment scheme, may garnishment pa rin po?
Delete@cyclops-defaulter Anong bank ka po nag default and anong Law firm po nag demanda? Sa akin kasi may Writ of Levy na pinadala ang Law office pero photo copy at naka attache ung land title n nakuha nla plus yung letter ng writ of levy ng sherif na walang dryseal at walang book number para s file ng case. wala din akong natatanggap n letter from sheriff o galing court.
Delete@Mr Defaulter Magkano po na-defaukt mi at anong bank at anong law office. may writ if levy ako pero galing ng law office walang dry seal at walang book number . Wala akong natatanggap na galing s mismong sheriff maliban lang s writ of execution ang huli kong natanggap na galing s court n may book number at may dryseal. Ang last n natsnggap ko ay writ of levy na galing sa law office at ndi sa sheriff o court.
@zel, about sa writ of levy, applicable din ba un kung mortgaged pa un property? Meron akong house and lot nakaloan pa sa bank. May unpaid bpi cc kasi ako nasa 1M na siguro un, di ko nga alam kung bakit sobrang laki ng interest, ang principal nun nasa 200-300k.
Delete@Emm may writ of levy ka din po ba? hindi ko alam pag mortgaged pero ang nabasa ko dito after lang sila sa bank accounts at napaka bihira ng mag hanap sila ng properties. ang madalas din nababasa ko malupit sa pag fifile ng case at mag go after sa mga defaulter na Law office is Dabu.
DeleteSana matulungan po ako.ano po ba pwede ko gawin if yung collecting agency is contacted my HR department and they said na need to connect with me since they need to discuss legal matter.thank you
ReplyDeleteHello, contact the collecting agency and tell them na why calling your HR.
DeleteEmail sayo lahat ng concern and sometimes okay sumagot ng tawag din..
Hello po ask ko lang po kung paano makontak si reTIRED banker...salamat po
Deleteyou way email me or your number here: e3u73f5qu@mozmail.com
DeleteI hope sana may makatulong s atanong ko po
ReplyDeleteI need help po 2019 po nung nagkaroon ako ng case sa BPI tapos Ngayon po nagkaroon na ng garnishment nahold po account ng asawa ko sa other bank tinawagan po Siya na for garnishment
ReplyDeleteAno po pwede gawin? Unaware po Siya na Siya na may cc debt po ko. Paadvice naman po. Baka po payroll magarnish din.
Matagal na po ko Wala narereceive na letter kaya Di ko alam na may court decision na.
please read the case of PRISM BLUE POSTED IN OTHER THREAD PO.
DeleteGood day. Defaulter since 2023. HSBC, EWB and METROBANK.
ReplyDeleteMay tumawag po kasi sa akin na kesyo sya daw po si SHERIFF SAGUISAG ng HALL OF JUSTICE. tapos nasagot ko po then sabi nya papabakuran na daw po yung sa may bahay namin. May letter daw po kasi sila nareceived na sinasabing may kaso daw po ako. Baka daw nag issue ako ng bounce cheque. Nung nag ask ako kanino bank galing hindi daw nila alam. Basta may letter lang daw sila dun. Hindi daw kasi nila pwede buksan.
Gaano po katotoo yung ganun? Tsaka puro demand letter lang naman po ang narereceived ko. Bakit po may sheriff po agad?
Natakot po ako kasi ang lakas ng boses nung kausap ko na parang nananakot talaga. Pero hindi naman po ako nagpatinag. Pinanindigan ko na wala akong inissue cheke na nag bounce. Yung po kasi yung pinipilit nila na case ko daw.
Hi Marites,
DeleteIn legal way, hindi po tumatawag si SHERIFF hahahahah minsan kapag sobrang takot natin nawawala si common sense at totoo yan kasi nauuna si takot kaysa magisip.
Mr.Kabado2 kaya nga po. Natakot kasi talaga ako nung una kasi first time may tumawag na sheriff sa akin.
DeleteAsk ko na lang din po Sir kung Alam mo po ba kung gaano katagal po bago ma garnish ang isang account? Or pinaka maiksing time? Less than 1 year po may nagagarnish na po ba na account?
Sana sinabi mo na sagot ba nya ung building permit sa munisipyo at sa HOA nya. Kakaiba na naman ang linyahan nila.
DeleteSame experience, may tumawag na sheriff daw siya at ipa-padlock daw bahay namin. Pinagtawanan ko lang sabi ko hindi naman akin yung bahay para makuha nila. Akala matatakot ako.
Deleteold tactics na yan, but di maiwasan minsan kabahan ka bigla if pa sulpot2 sila haha sabihan mo hindi ka nakatira dun. recently my na received din ganyan kapatid ko via text then my pumunta sa bahay sabi tga Brgy. daw and my Sheriff daw nka antay sa Brgy. hall sabi ko di ko alam sino yang hinahanap mo at malimg address yan cguro yun di nabumalik. tamang diskarte lang at wag panghinaan ng loob. ingat po.
DeleteBTW, kamusta na po kayo Mr. Kabado? it's been a long time since nka balik ako dito ulit sa blog ni banker..it's good to see na active pa din pala to and mga orig members dito. I haven't seen ms cherrylou though, saan na kaya siya?
Hi All! If wala naman ako talagang pambayad pa sa utang ko sa CC, dapat pa ba din akong umattend ng hearing sa MTCC? Sa mga nabasa ko dito, bank accounts lang ang ginagarnish at never ang bahay at kotse, tama ba?
ReplyDeleteHi po @reTIRED! Someone emailed our official email dito sa office and pati accounting office and other dept coming from babista law office. Ano pong magandang diskarte
ReplyDeleteYou can either refer them to your legal department for comment (cyber crime/penal codes) and/or to tell everyone to let them file a case IF these are legitimate concerns and not merely a scam.
Deletep.s.
I seldom write a reaction here because of my priority w/ street children. search mo lang "two yumburgers" here 😁
Thanks po @reTIRED. Sige po will tell everyone na lang and talagang lumalakas loob ko.
Deletesaan po pwede isearch ang yimburgers. Sorry po di ako masyado ma know how technically.
Delete....posts that I will appreciate everyone's sharing voluntarily even two yumburgers for the street children after giving some diskartes about card defaulters.
Deletep.s.
I am already reTIRED here, remember?
😁
Ay. Sure po. Where can i send po ba. Are you the BANKER i usually talk to before? 10 years na po ako defaulted sa cc and yun nga tumawag just now yung nag email dito sa office. Hehehe alam ko na po diskarte. Thanks.
Deletewow! we have talked before pala?
DeleteYes. I'm the banker you were referring to,
kaya lang, since 2022, I've change my handle to
"reTIRED Banker" for obvious reason. lol!
can you post your cp number here?
(it won't get published)
👍
msg sent po 👍
DeleteThanks reTIRED banker! I was relieved po na nakausap kita.
ReplyDeleteCIVIL CASE NO.: 041125
ReplyDeleteFOR: PROPERTY EJECTMENT
Dear SHARON PATRONA
I hope this message finds you well.
This is to formally notify you that a field visit has been scheduled in connection with the ejectment proceedings concerning the property located at:
Property Address: MARY SUBDIVISION ILOILO CITY ILOILO ILI PHL 5000
Date of Visit: May 12, 2025
Time: 3:00 PM
Purpose: Implementation of property ejectment order
The field visit will be conducted with the assistance of the following authorities to ensure lawful and orderly execution:
The Office of the Sheriff
Barangay Officials
Officers of the Philippine National Police (PNP)
We request your cooperation during the visit and ask that access to the premises be made available. Should there be any questions or concerns, please do not hesitate to contact me at 0997-511-2273 | (02)-851-43497.
Thank you.
the email I received came from this stcy.creditmanagement.ap@gmail.com (but no idea under anong cc or what)
trulala kaya ito? do they have the rights to do that? I remember reading here before na they can't do such things. but I'm just making sure since it's been a long time since I last received a message from the collectors. I don't know why they know my current address 🫠
what should I do, can you please give me an advice? thank you 🙏
Hello po can someone give me advice po may case po ko sa cc BPI nung 2019 then nagkaroon na po ng court decision and order po ng garnishment nung April 2025. Nagarnish po Yung sa savings account ko sa ibang bank. Ano po ba dapat gawin? May offer rin po ang Dabu law ng 100% waive Yung penalties. Kanino po ba dapat makipagcoordinate sa BPI or sa law firm po? Kindly enlighten me po kung ano next move dapat gawin.
ReplyDeleteCIVIL CASE NO.: 041125
ReplyDeleteFOR: PROPERTY EJECTMENT
Dear xx xx,
I hope this message finds you well.
This is to formally notify you that a field visit has been scheduled in connection with the ejectment proceedings concerning the property located at:
Property Address: (my current address, I don't know how were they able to know this)
Date of Visit: May 12, 2025
Time: 3:00 PM
Purpose: Implementation of property ejectment order
The field visit will be conducted with the assistance of the following authorities to ensure lawful and orderly execution:
The Office of the Sheriff
Barangay Officials
Officers of the Philippine National Police (PNP)
We request your cooperation during the visit and ask that access to the premises be made available. Should there be any questions or concerns, please do not hesitate to contact me at 0997-511-2273 | (02)-851-43497.
Thank you.
- my question, is this even possible? it's my first time again after a very long time to receive an email from a collector. I don't know kung anong card to kasi not indicated naman sa message nila. thanks
gasgas na to. backread ka.
DeleteHello everyone.
ReplyDeleteAsk ko lang po if may writ of execution na po for garnishment, if ever po. Madadamay po ba ang bank account ni spouse? Or yung account ng delinquent po. Im worried po kasi. Please enlighten me. Baka pag awayan po namin. And how about property garnishment po? Like family house po.
Yes mo madadamay po ganon po nangyari samin yung account po ng Asawa ko ang nagarnish. May mga nakausap po ko dito Di daw po magagarnish ang property.
ReplyDeleteOh i see po. Are they allowed po to do that? Kahit Hindi naman po aware sa delinquent ng card? What bank po ito? And bakit po account po ng spouse ang nagarnish? Kahit po may sariling account ang defaulter?..
DeleteHindi ko nga rin po alam damay bank account ng asawa ko. Tumawag po sa kanya PS Bank at may binigay na letter about garnishment court order ng BPI. May way po ba para makuha Yung nagarnish sa PS Bank? Aside po dun nagarnish din yung account sa RCBC ko Buti Di po Malaki laman.
DeleteHello everyone ,matagal na po ako dito nagbabasa ng.mga comments po,pero sa part ko po talagang natatakot po ako kasi defaulter din po ako ng ilang CC ,maraming calls from different CA"s, email, txt messages, nakakaloka na po.Umabot na rin po ng Millions yong ibang CC ko po.Ngayon naka received ako ng message na makipag coordinate daw sila sa heads namin at mag issue na daw ng subpoena.
ReplyDeletePahingi po na advice. salamat po
backread ka. diskartes are just infront of you. just backread.
Deletejust want to share my recent experience :
ReplyDelete1. I accommodated somebody about kanyang "concerns".
2. twice!
3. and twice asked for my bank account para daw send siya pang-burgers.
4. never did as promised!
5. collectors kaya ito?
6. now, I hope you'll understand why I am partially shying away from this blog.
😁
Hi po.
ReplyDeleteNeed advice regarding my plan of defaulting my 3 personal loans.
Union Bank Personal Loan - 172k (remaining)
East West Bank Personal Loan - 130k (remaining)
CTBC - 272k (remaining)
Im planning to default next month to pay other debts aggressively.
Any advice po?
Thank you in advance.
I need help understanding what to do regarding a serious debt situation. I recently received a final demand letter from a law firm representing RCBC Bankard regarding my credit card account.
ReplyDeleteI originally had two credit cards, each with an outstanding principal of ₱373,000. Due to financial hardship, I wasn’t able to pay for a long time. Now, with all the interest, penalties, and charges, the letter says I owe around ₱1.1 million, excluding attorney’s fees.
They are threatening to file:
• A civil case for collection, and
• A criminal case for violation of Republic Act 8484 (Access Devices Regulation Act of 1998), which I understand can be serious.
The letter gives me five days to respond and settle, or they’ll proceed with legal action. But I honestly don’t have the capacity to pay that amount right now. I’m currently struggling financially, and I don’t know what my rights are or how to deal with this.
My Questions:
1. Can they really file a criminal case under RA 8484 just because I failed to pay?
2. Is it legal for them to charge me 25% attorney’s fees on top of the amount I owe?
3. What can I do if I can’t pay right now? Will I go to jail?
4. Has anyone here dealt with something like this before?
5. Should I respond to the letter even if I can’t pay anything yet?
Thanks in advance!
@crazyone10,
ReplyDeleteMaybe I can help provided you promised to pay (2) yumburgers for my street children. unlike others 😁
Yeah badly needed your advice
ReplyDeleteyou may wish to post your cp number or e-mail add for me to contact you ( if won't get published, pramis!)
ReplyDeleteHello need lang po ng advice notorious po ba si Sb mag demanda? mag 4 years na po akong defaulted sa kanila 120k and haven't receive any emails po from CA. Then meron din po ako sa ACOM nag dedemanda din po ba sila around 40k po kasi yung amount. And possible po kaya mademanda ako ng fraud nag resign na po kasi ako sa previous company ko dahil sa stress sa collector na ini email yung company namin then lumipat na din po kami ng bahay kasi naka kuha po akonsa pag ibig. need lang po ng advise salamat po.
ReplyDelete@Cyje: email reply duly sent 😊
ReplyDeleteHello@retiredbanker , been a silent reader for long time . Defaulter po ako ng EWB BPI BDO. For almost a year now. I was a good payer of EWB for long time. Nadagdagan cards ko just last year. Sana di ko n lng ginamit . Now Im drowning in debts. Madami need unahin kaya hindi nkakabayad. Di ako makacommit sa payment arrangement kasi di pa kaya isustain. Ngayon po I received a call na may civil case ako at criminal case ESTAFA. Wala po ako utang sa tao. Cc lang po pinagkakautangan ko. Police Master Sargeant daw po sya ng Manila Police District. May pinapatawag po sila na attorney para iclarify daw po kung sino nagkaso sakin doon daw po ako makipag usap. Kasi nagrereturn to sender daw po kasi ung mga sulat na pinapadala sakin . Which is totoo kasi hindi tinatanggap samin at lagi din po ako wala to receive it. Sabi nung pulis hindi daw po nila pwede buksan yung letter dahil nakaseal kaya tawagan ko daw po yung attorney na pinapatawagan nila at don ako makipag usap.
ReplyDeleteKinkabahan po ako . Di ko alam gagawin . Ignore ko po lahat ng call at emails ng banks sakin . Minsan lang po ako sumagot.
Ano po mgnda gawin ? Salamat po b sa lahat dito.
email me : e3u73f5qu@mozmail.com
DeleteGP2022 can't reply thru your phone. pls. go ahead and call me 👍
Delete