Waylaid at immigration, credit card debt unpaid, Middle East United Arab Emirates

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

Ako po ay may hindi nabayarang balanse sa Credit Card sa Pilipinas. Kasalukuyan po akong nasa Middle East. Gusto ko lang po malaman kung ano po ang pwede mangyari sa akin. Hindi naman po ako nakakareceive ng message o even emails 3 years ago na po. Balak ko po umuwi ng Pilipinas ngayong June. Wala po ba akong magiging problema pagdating ko at pag alis ko ulit? Hindi ko po alam kung paano ko mako-contact ang agent na nag-approved ng credit card ko dati, dahil kahit papano po gusto ko ito mabayaran paunti unti ngayon dahil sa ako naman ay may trabaho na.

Sakali po bang harangin ako sa immigration dito sa UAE sa oras ng pag-uwi ko?

Sana po ay masagot ninyo ang aking mga katanungan. Maraming salamat po.


Translation: I still had some unpaid debt from my credit card in the Philippines. Currently, I am in the Middle East. I would like to know what would happen to me. I had not received any message or emails since 3 years ago. I plan to go back home to the Philippines in June. Won't I encounter any problems when I arrive in the Philippines, and when I leave again to work abroad? I don't know how to contact the agent who approved my credit card, because I would like to pay for the unpaid balance little by little, since I have work now.

Could I be waylaid or intercepted at the immigration here in UAE (United Arab Emirates) when I get home?

 

Reply as anonymous (Your real name and picture will not be seen)
Adelaimar C Arias-Jose
is a Legal expert in the Philippines
Hindi kita ma-a-assure na walang dadampot sa iyo. Kasi, ganito iyon. Kung hindi ka nakapag-bayad ng balanse ng credit card mo, malamang sa ipinasa na sa credit collection agent ang iyong account. Ang collection agent ay gagamit ng lahat ng tactics para mapag-bayad ka. They might file civil cases against you, or, they may just pay a police officer to pick you up as you go through customs sa airport. I don't know. Some collection agents use harassment (even if it is against the law).

Ang pinaka-maganda, call the toll-free number of the credit card company. Inquire about your account. Eh, di, siyempre, sasabihin nila na expired na ito, etc. so, ask them how you can pay the balance on the card. I'm sure the company will be more than willing to help you pay this without resorting to cases filed in court kasi, mahihirapan pa sila. And then, send them the money.

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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