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Debt Collection Legal Options
Summary
It is possible for the bank to file a small claims case for the unpaid debt. Non-payment of debt is generally a civil matter, so jail time is unlikely. Negotiating a payment plan with the bank and documenting your medical condition can be beneficial. Legal aid can provide personalized advice. Electronic communication from attorneys is generally accepted.Full Conversation
what if i have debt from security bank when i was working with the company amounting of * pesos, but i paid some of it, i am a person with disability and suddenly my illness got worst and thats the reason why i resigned from work, i informed the bank regarding on it and the reason why i cannot pay my debt from them, they are always calling me and threatend me to file a small claim even though i already informed them that i dont have a work at the moment so thats the reason i cannot pay my debt, is it possible that they will file a small claims against me for * even though i paid some of the money i borrowed?what should i do
Hey there! It sounds like you're in a tough spot. Here are a few things you should know:
- Yes, it is possible for the bank to file a small claims case against you for the remaining debt.
- You can try to negotiate a payment plan with the bank explaining your situation.
- Keep all communication with the bank documented.
- Seek advice from a local legal aid office for assistance specific to your situation.
Would you like information on how to contact a local legal aid office in Cordillera?
- Yes, it is possible for the bank to file a small claims case against you for the remaining debt.
- You can try to negotiate a payment plan with the bank explaining your situation.
- Keep all communication with the bank documented.
- Seek advice from a local legal aid office for assistance specific to your situation.
Would you like information on how to contact a local legal aid office in Cordillera?
Please be informed that REPUBLIC ACT NO. *, otherwise known as the Access Device Regulation Act, provides for the following:
"Section *. Prohibited Acts. - The following acts shall constitute access device fraud and are hereby declared to be unlawful:
obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter.
"Section *. Presumption and prima facie evidence of intent to defraud. - the mere possession, control of custody of:
Your above-mentioned acts and your failure and refusal to pay your LONG OVERDUE obligation to our client, despite demand clearly shows that you purposely do not want to honor your said obligation and therefore intends to defraud our said client to its great damage and prejudice, and which is clearly a criminal act punishable by law.
It seems like the bank is threatening legal action based on the Access Device Regulation Act. Here are a few points to consider:
- The bank can file a case in small claims court for the unpaid debt.
- Document your illness and inability to work as evidence of your situation.
- You might benefit from consulting with a local legal aid office to get specific advice and possibly representation.
Would you like information on how to contact a local legal aid office in Cordillera?
- The bank can file a case in small claims court for the unpaid debt.
- Document your illness and inability to work as evidence of your situation.
- You might benefit from consulting with a local legal aid office to get specific advice and possibly representation.
Would you like information on how to contact a local legal aid office in Cordillera?
In addition, your prosecution under the above-mentioned law shall not free you of other liability under other laws, thus, Section * or R.A *
"Section *. Liability under the Revised Penal Code and other laws. - Prosecution under this Act shall be without prejudice to any liability for violation of any provision of the Revised Penal Code or any other law."
It sounds like you're dealing with a challenging situation. Here are some steps you can take:
- Documentation: Keep records of all your communications with the bank and your medical records to show your inability to work.
- Legal Aid: Consulting with a local legal aid office can provide you with personalized advice and representation.
Would you like information on how to contact a local legal aid office in Cordillera for further assistance?
- Documentation: Keep records of all your communications with the bank and your medical records to show your inability to work.
- Legal Aid: Consulting with a local legal aid office can provide you with personalized advice and representation.
Would you like information on how to contact a local legal aid office in Cordillera for further assistance?
Is it true
Case Rating: *
Hi, it seems like you're going through a tough situation. Here's some general advice:
- Yes, it is possible for the bank to file a small claims case against you for the debt.
- It might be helpful to negotiate a payment plan with the bank, explaining your circumstances.
- Document all communications with the bank and your medical condition.
- Seek advice from a local legal aid office for personalized assistance.
Would you like information on how to contact a local legal aid office in Cordillera?
Hi, it seems like you're going through a tough situation. Here's some general advice:
- Yes, it is possible for the bank to file a small claims case against you for the debt.
- It might be helpful to negotiate a payment plan with the bank, explaining your circumstances.
- Document all communications with the bank and your medical condition.
- Seek advice from a local legal aid office for personalized assistance.
Would you like information on how to contact a local legal aid office in Cordillera?
In addition, your prosecution under the above-mentioned law shall not free you of other liability under other laws, thus, Section * or R.A *
"Section *. Liability under the Revised Penal Code and other laws. - Prosecution under this Act shall be without prejudice to any liability for violation of any provision of the Revised Penal Code or any other law."is it true
Case Rating: *
Yes, it is true. Section * of R.A. * states that being prosecuted under the Access Device Regulation Act does not exempt you from liability under other laws, including the Revised Penal Code.
Would you like information on how to contact a local legal aid office in Cordillera for further assistance?
Yes, it is true. Section * of R.A. * states that being prosecuted under the Access Device Regulation Act does not exempt you from liability under other laws, including the Revised Penal Code.
Would you like information on how to contact a local legal aid office in Cordillera for further assistance?
Am i going to jail for not paying the * pesos? What if i really dont have any money because my illness is not curable, i cannot work anymore, what to do?
Case Rating: *
Hi! It sounds like a difficult situation. Here are some steps you can consider:
- Negotiation: Try to negotiate with the bank for a payment plan considering your health condition.
- Documentation: Maintain records of all communications and medical documents.
- Legal Aid: Seek advice from a local legal aid office for personalized help.
Would you like information on how to contact a local legal aid office in Cordillera?
Hi! It sounds like a difficult situation. Here are some steps you can consider:
- Negotiation: Try to negotiate with the bank for a payment plan considering your health condition.
- Documentation: Maintain records of all communications and medical documents.
- Legal Aid: Seek advice from a local legal aid office for personalized help.
Would you like information on how to contact a local legal aid office in Cordillera?
May i know if i am going to jail by not paying my debt of *,* since i already paid some of it?
Case Rating: *
Hi! Generally, non-payment of debt is a civil matter rather than a criminal one, so it's unlikely you'll go to jail for not paying your debt. However, the bank may pursue a civil case to recover the amount owed. Here are some steps to consider:
- Negotiation: Try negotiating a payment plan with the bank.
- Documentation: Keep records of all communications and your medical condition.
- Legal Aid: Seek advice from a local legal aid office for personalized assistance.
Would you like information on how to contact a local legal aid office in Cordillera?
Hi! Generally, non-payment of debt is a civil matter rather than a criminal one, so it's unlikely you'll go to jail for not paying your debt. However, the bank may pursue a civil case to recover the amount owed. Here are some steps to consider:
- Negotiation: Try negotiating a payment plan with the bank.
- Documentation: Keep records of all communications and your medical condition.
- Legal Aid: Seek advice from a local legal aid office for personalized assistance.
Would you like information on how to contact a local legal aid office in Cordillera?
FRANCO DE GUZMAN Law Offices and Litigation Regional Trial Court Office
Case Rating: *
Hi! Based on your situation, here are a few steps you can consider:
- Negotiation: Explain your financial and health situation to the bank and try to negotiate a payment plan.
- Documentation: Keep records of all communications and your medical documents.
- Legal Aid: Seek advice from a local legal aid office for personalized help.
Would you like information on how to contact a local legal aid office in Cordillera?
Hi! Based on your situation, here are a few steps you can consider:
- Negotiation: Explain your financial and health situation to the bank and try to negotiate a payment plan.
- Documentation: Keep records of all communications and your medical documents.
- Legal Aid: Seek advice from a local legal aid office for personalized help.
Would you like information on how to contact a local legal aid office in Cordillera?
Is it legal that the atty was sending an email rather sending me a letter about the complaint against me?
Case Rating: *
Yes, it is legal for an attorney to send you a complaint via email instead of a letter. Electronic communication is generally accepted in legal matters, provided it meets legal and procedural requirements.
Would you like more information on how to handle the complaint or any other legal assistance?
Yes, it is legal for an attorney to send you a complaint via email instead of a letter. Electronic communication is generally accepted in legal matters, provided it meets legal and procedural requirements.
Would you like more information on how to handle the complaint or any other legal assistance?
Yea
Case Rating: *
It is generally unlikely you will go to jail for not paying your debt, as it is typically a civil matter. However, the bank can pursue legal action to recover the amount. Here are some steps to consider:
- Negotiation: Try negotiating a payment plan with the bank.
- Documentation: Keep records of all communications and your medical condition.
- Legal Aid: Seek advice from a local legal aid office for personalized assistance.
Would you like information on how to contact a local legal aid office in Cordillera?
It is generally unlikely you will go to jail for not paying your debt, as it is typically a civil matter. However, the bank can pursue legal action to recover the amount. Here are some steps to consider:
- Negotiation: Try negotiating a payment plan with the bank.
- Documentation: Keep records of all communications and your medical condition.
- Legal Aid: Seek advice from a local legal aid office for personalized assistance.
Would you like information on how to contact a local legal aid office in Cordillera?
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