💳 CREDIT CARD MISTAKES — HARD LESSONS WE WISH WE LEARNED SOONER

Let’s be real. For many of us, it’s not just a mistake here and there—we’re already in deep. Crumpled, crushed, beaten by debt. But hey, life doesn’t stop. And neither should we.

Now more than ever, we need to learn the diskartes—to survive, to take back control, and yes, to outsmart the CA crooks whose main goal is to bleed us dry while quoting terms and percentages.

So here are the lessons, learned the hard way. 

These are tough lessons, but they’re real. And if we want to get back on our feet, we need to play smarter—not just harder.

This is our reality now—but it doesn’t have to be our future. Learn fast, manage the CA crooks, and hustle smart to recover.

BALIKTANAW 2022: RARE CASE OF DEFAULTER VS BOBONG LANDBANK MANAGER SALARY GARNISHMENT

 

PRISM BLUE WON IN THAT ILLEGAL GARNISHMENT NI BOBONG LANDBANK MANAGER DATED MARCH 3, 2022

-Si PRISM BLUE ay lumapit sa group na ito and asking some advice.

-Siya ay isang Public School Teacher at sa Land Bank Pumapasok ang kanyang salary.

-May default credit card siya sa BPI 100K(2014) but nung nademanda siya ay worth 500k na. Notorious si BPI sa pagdedemanda ng mga defaulter.

-Expected denemanda siya at si SP MADRID ang Collection Agency. 

Court Decision: SALARY GARNISHMENT. Hinold ng LandBank ang sahod niya.

-In Normal cases, PAY WHEN ABLE. Magpapadala si Sheriff ng letter sa lahat ng banko para tignan kung may tinatago kang pera, ihold nila yun at igarnish. ONE TIME LANG YUN. Kung wala edi wala sabi nga namin dito JUST PAPER VICTORY. Kung meron igarnish nila kahit 10pesos laman niyan kukunin nila. 

-Pero sa cased ni PrismBlue, hindi ganun. the decision is correct per Rule 39 of Rules of Court ; the IMPLEMENTATION/INTERPRETATION of Land Bank is WRONG.

-Lumapit siya sa PAO, ang sabi wala na daw magagawa kasi my court order na. Lumapit ulit siya sa ibang PAO nalift ng 4months ang garnishment pero after 4months ay hinold ulit ng landbank.

SO PAANO NIYA NAPANALO?

-Seek a private lawyer.

-Nagsulat siya PCC.. PRESIDENTIAL COMPLAINTS CENTER.

-Your lawyer can file for a "Certiorari" (a judicial review order by the Court of Appeals/Supreme Court)

....and after a long battle, HE WON. GARNISHMENT PROCESS NI LANDBANK AY ILLEGAL.

Is the Landbank Manager working in SP MADRID? Sabi niya sumunod lang siya lol

Pwede ba kasuhan ni PrismBlue si LandBank Manager? YES. 

Pwede ba mangyari sa akin ito? DEPENDE KUNG BOBO yung manager. Marami na po nademanda dito ng mga banko pero one time lang ang garnishment sa kanila, yung iba nga wala pa. YANG case ni PrismBlue ay rare case. Sa tagal ko member dito, inabangan ko talaga yan kasi paano kung mangyari sa akin or sa iba, alam natin gagawin. 

Lahat ba ng bank nagdedemanda? HINDI PO. IBA nga milyon utang sa MB at EWB walang nangyari, nakapag ibang bansa ang iba at iba nakaahon ulit. 

BANK NOTORIOUS IN FILLING CASE: 

               BPI, HSBC, RCBC, SECURITY BANK, BDO

NO POSTED NA NADEMANDA SILA KAHIT MILYON DEBT NILA: 

                METROBANK, EWB,PNB. BANK OF COMMERCE. 

BANK OFFERING AMNESTY: EASTWEST BANK(napakabait) 

PS: PLEASE BACK READ, TO READ THE WHOLE STORY OF PRISM BLUE. 

A Friend In Need