Table of Content
- Paano makakaahon sa utang?
- May nakukulong ba sa utang?
- Makukulong ba kapag hindi nakakabayad ng utang sa Home Credit?
- Paano singilin ang may utang?
- Kailan nagiging krimen ang hindi pagbabayad ng utang?
- Paano maningil ng utang? May nakukulong ba talaga sa hindi pagbabayad ng credit card at bank loan?
You cannot be forced either to pay the obligation if you don’t have the capacity to pay for it. The best course of action is to inform the Bank ahead of time of your financial difficulty to prove that you are in good faith. You may also file for insolvency or bankruptcy, if necessary. There are also cases where the cardholder can no longer be contacted. In that case, the account is hopeless.
The Bank can just stop the collection efforts and report the account to the CIC. For those cases, the cardholder can go debt free and still roam around. However, he/she should not expect to avail of future bank loans and be granted of such loans.
Paano makakaahon sa utang?
Naka receive na po kasi kami ng letter from the bank addressed to my late sister informing her of her outstanding credit na need na bayaran. Nag email na din po ako ng copy ng death cert sa banko and they replied naman po na nareceive na nila and they'll forward it sa appropriate department. Pero kanina po upon checking my sister's email, may nag email pala sa kanya na law firm - Alexis Molaer Law Office. Nakalagay po demandable na daw yung amount and etc. Should we be worried about it? Salamat po and I'd really appreciate any help or advise.
Pero I advise na you contact homecredit and report the incident, as well as try to negotiate for a settlement. Baka may way para mapababa yung babayaran. Im just wondering coz most of the people i know have done this. I mean they weren't able to pay their credit card bills. They said wala namn daw nakukulong sa hindi pagbabayad ng credit card bills?
May nakukulong ba sa utang?
He works for collection agency, he told me that today he'll be atty. Calling credit cards delinquent accounts are bogus. They just scold and threatening you that you'll gonna be sued and jailed, bla,bla. A colleague of mine says na wala pa ngang nakukulong pag di ka nakabayad ng credit card bills mo. nevertheless, you will be blacklisted if you do so.
If you are, that can be seen as a form of coercion, making that document invalid (i.e., no informed consent was formed). Once you die, all concept of financial asset or debt becomes irrelevant.
Makukulong ba kapag hindi nakakabayad ng utang sa Home Credit?
Collection agencies are the last resort for banks to collect the amount you owed. I think the Bank incurs minimal or no losses at all for those credit card debts which have been gone sour. At the inception, the Bank has already projected the likelihood of default and has already factored in all the financial hazards before they offered the product.
A law professor of mine told us that no one gets imprisoned for not paying his/her debt. The worst that they can do is to prove that you can pay by checking your properties and acquiring it... Kasi kung wala ka daw pambayad, wala talga. For SM Bills payment counters, please provide your Statement of Account or indicate your customer number or your 16-digit card number. Payments are accepted daily from 10AM - 8 PM. Payments will be posted after three banking days from the date of payment.
And kung di ka talaga matigil sa kakabasa and pag-iisip ng utang mo, better read from page 1 of this thread. Hindi yung magtatanong ng magtatanong na may sagot na sa previous replies. Collection tactics lang yan ng collection agency.
We are therefore making thisFINAL DEMANDupon you to pay our client or make serious arrangement and settle the same within fivedays from receipt hereof. Your failure to do so will constrain us to proceed with the filing of the prepared complaint. I have answered the same question a million times already. Speak your mind, but mind what you post. Let's not spread disinformation and/or misinformation.
Collection agencies would really get to your nerves because it is their way of earning or living. They get a portion or commission for the sum they can collect from the defaulted cardholder. For a period of time where the collection agency cannot contact the debtor, the Bank will report you to the Credit Information Corporation.
My sister had a credit card po. Unfortunately, she passed away last September due to a vehicular accident. She was with her daughter and the kid had a broken femur which until now hindi pa po fully recovered. Nagtanong po kami sa kakilala namin sa banko and she was able to pull out my sister's credit standing and confirmed na may utang pa nga po siya.
As a consequence, other Banks may or may not grant you a loan of any kind and may or may not allow you to open a checking account. However, based on my knowledge the Bank can still grant you a loan or allow you to open a checking account as long as there is a management approval. You will not be imprisoned for non-payment of a credit card obligation as long as there is no intent on your part to defraud the Bank.
However, may cash po siya na 8,000 dun. She was a single mom and ubos na din po pera namin sa laki ng gastusin so naghanap po kami ng paraan para ma withdraw yung amount. Yun din kasi sabi ng friend namin sa bank na buti sana kung alam namin codes niya kasi sayang din daw yung pera. Sinubukan namin e retrieve yung online details niya and na open namin yung account so natransfer po namin yung money to another account para ma withdraw. So, question ko po is will we be held liable sa utang niya? May consequences po ba yung pag transfer ng amount?
#AskAtty: Puwede ka bang makulong kapag hindi ka nakabayad ng utang?
Our Constitution guarantees that you cannot be jailed by reason of debt. The government also frowns upon with scummy collection and scare tactics. Creditors have every legal right to collect payment but they are not entitled to do it in a way that bullies less well-versed people into submission. He was able to open a checking account a few months back, in one of the bigger banks.
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