Ayaw pagbigyan ng collection agency na inutangan, makukulong ba ako?

anonymous
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Ako po ay may utang sa bangko. Kaya lang po hindi ko po mabayaran ng buo. Nakikiusap naman po ako na hulughulugan ko nalang, kaya lang po ayaw ako pagbigyan ng collection agency na kausap ko. Willing naman po ako magbayad, kaya lang po nawalan po ako ng trabaho. Ngayon po kakaumpisa ko lang, ang aking utang ay nsa 54k. Nahuhulugan ko naman po yung account ko sa bangko kaya lang di ganun kadalas. Dahil sa gipit na rin po. Makukulong po ba ako o makakasuhan?

 

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Adelaimar C Arias-Jose
is a Legal expert in the Philippines
Sa totoo po, makakasuhan po kayo talaga, collection of a sum of money. Iyon na nga lang, maliit lamang naman po ang inyong utang. Sa totoo po, mas malaki pa ang magagastos ng banko kung kayo ay idedemanda. So, iyon po ang dahilan at ang inyong delinquent account ay kanilang ipinasa na sa isang collection agency.

Patuloy lang po kayong mag-hulog sa banko, gawin po ninyong regular ang bayad, kahit maliit hanggang sa maubos po ang inyog pagkaka-utang. There are 52 weeks in a year. If you pay 1000 pesos every week, utas na po ang inyong utang in one year.

Sadly, ang mga collection agency kasi, they resort to harassment and threats para kayo ay magbayad. So, nakaka-stress po talaga. If you can gather evidence ng mga threats ng collection agency, puede po ninyo silang i-reklamo.

About the author

Adelaimar C Arias-Jose

I am a graduate of the UP College of Law. Member of the Integrated Bar of the Philippines since 1995. I am currently involved in private practice in criminal, civil and labor law.
Profession: Lawyer
Adelaimar C. Arias-Jose
Office Address: #34 St. Michael Street
Philippines , Manila , Makati
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