Ano po ang dapat gawin kapag may unsettled balance sa credit card?

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

Nais ko lang po sana itanong kung may nakukulong po ba sa hindi pag bayad ng credit card? ano po ba ang consequences sa hindi pag bayad? Meron po akong unsetelled balance sa credit card. May plano pa naman po akong bayaran ito ngunit hindi po sa ngayon dahil kapos po ako sa pera. Nung una po nababayaran ko po siya ngayun po kasi nagkasakit ang nanay ko kaya nahirapan po ako at hanggang umabot sa lumobo ang balance ng cc kio. Tinatawagan po ako ng sino sinog collection agencies.  Ano po ba ang dapat kong gawin? Salamat po.

 

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Jescelyn Del Rosario
is a Legal expert in the Philippines
Depende kung anong kaso ang pinafile ng credit card company kung kriminal case because may fraud may kulong po ito but if collection cases wala naman po pero kung anong ari-arian2x mayroon kayo the company may attach it. It is better to enter a compromise agreement with the credit card company kung pwede mareconstruct po ang obligation at terms of payment according to your means. Kahit na hindi po ninyo ito mababayaran it will already affect your credit record in the future kung mag aapply po kayo ng loan maaring this record will affect you. Financing/credit companies have organization that will share information regarding po sa mga may block listed or delinquent borrowers.
anonymous
This person has chosen to hide his/her identity.
Thank you for enlighten me Ma'am. May tumatawag po kasi sakin na collection agency and willing po sila i reconstruct ang account ko. May nirequire sila sakin na 5000 pesos na minumum Payment para mareconstruct. Kaso medjo mabigat pa sakin ngayun mag bagayad ng minimum amount dahil inuuna k po ang gamot ng nanay ko. Pero plano ko po sana bago matapos ang taon maprocess na ang reconstruction. Okay lang po ba yun kahit hindi ko muna maiprocess ang reconstruction? Tinatakot po kasi nila ako na pupunta daw po sila sa bahay at mapupunta sa legal ang account ko kahit nag sabi na po ako na wala pa ako maiibibigay sa ngayon. Thanks po
Janine Grace Malto
is a Admin in the Philippines
Thank you for enlighten me Ma'am. May tumatawag po kasi sakin na collection agency and willing po sila i reconstruct ang account ko. May nirequire sila sakin na 5000 pesos na minumum ayment para mareconstruct. Kaso medjo mabigat pa sakin ngayunmag bagayad ng minimum amount. Pero plano ko po sana bago matapos ang taon maprocess na ang reconstruction. Okay lang po ba yun kahit hindi ko muna maiprocess ang reconstruction? Tinatakot po kasi nila ako na pupunta daw po sila sa bahay at mapupunta sa legal ang account ko kahit nag sabi na po ako na wala pa ako maiibibigay sa ngayon. Thanks po
Jescelyn Del Rosario
is a Legal expert in the Philippines
They will continue to send threat letters or call you as long as hindi mo ito mareconstruct or atleast man lang makapag down ng kunti. Kung hindi mo yan gawin the interest and charges will go high at lalong lalaki ang babayaran mo. So much better you can pay the minimum amount para mareconstruct yan.

About the author

Jescelyn Del Rosario

Legal Services and Litigation works Philippine/Foreign Paralegal Works Graduated AB Political Science and Bachelor of Laws at University of San Jose Recoletos-Cebu Completed Lawyers Trial Academy Training sponsored by IBP Cebu Chapter AIT-DOST Scholar at Cebu Institute of Technology
Profession: Lawyer
MJ Del Rosario Law Office and Associates
Office Address: Block 19, lot 26-27, Deca Homes, Talisay
Philippines , Talisay , Cebu
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