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Have A Heart

January 31, 2019, 10:11 pm
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If you want to find your future partner, you wait.
If you want to find answers to your CC concerns, search.
We have addressed the same queries for over 10 years already.
nothing has changed.
so, chill!

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READ AGAIN ( PART II)

March 31, 2019, 2:00 pm
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Find out if your concerns are addressed here. If not, post your concern/s. otherwise, no comment.

                                      " I declare that my concern is not addressed below"

  1. Abroad Working – you cannot be sued since Phil. Laws are only applicable here.
  2. Barangay – walang paki. see RA 7160 Section 408 ( no corporation) ;  as clarified by    Supreme Court Circular 14-93 
  3. Bouncing Checks – bank does not file BP 22 ; checks as loan repayments are not covered.
  4. Contacting thru Calls – tell the caller “pag-usapan na lang natin ito sa korte para legal lahat. Masama ba un?” then don’t argue anymore.
  5. Contacting thru Letters – sign ANYWHERE, don’t open, look for nearest trash can.
  6. Contacting thru Text - press 'delete'
  7. Contacting thru Visits – see no. 3 above.BTW, walang puede maka-pasok without your permission. That is robbery. lol!
  8. Court Case – Not all banks file collection cases because it's useless. You don't even need to attend. Decision is always “ You pay!” eh, walang pera. That’s the end kasi walang firing squad pa sa Pinas no? 
  9. Fraud - Ang hinde pag-bayad ng utang is a violation of your CONTRACTS & OBLIGATIONS.  hinde po ito criminal case.
  10. Garnishments & Attachments – If you have deposit with the same bank as your card issuer, it can go after your money, AT THEIR OPTIONS. otherwise, banks only go for deposits, only ONCE against your own account AFTER court decision, except payroll and foreign currency deposits dahil bawal.  You can withdraw naman prior to decision. Why wait?  Properties? No attachments. for practical reasons.
  11. NBI – handles criminal cases only. Utang is under Civil Case. ( read no. 9 above)
  12. Negotiation of Debts – see No.4 since “payable when able" doon kung sa court ka.
  13. Newspaper – have you read a defaulter na na-published na? scam ni kolektor.
  14. RA 8484 – applicable ONLY if you used a fake card.
  15. Scandal – Sino ba ang pina-pakulong sakaling nag-eskandalo? (libel/defamation/threats are CRIMES!)
 


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ITANONG MO KAY M'AM

April 30, 2019, 2:00 pm
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In honor of the tireless woman who answers always your following queries :

  1. Abroad Working – you cannot be sued since Phil. Laws are only applicable here.
  2. Barangay – walang paki. see RA 7160 Section 408 ( no corporation) ;  as clarified by    Supreme Court Circular 14-93 
  3. Bouncing Checks – banks do not file BP 22 ; checks as loan repayments are not covered.
  4. Contacting thru Calls – tell the caller “pag-usapan na lang natin ito sa korte para legal lahat. Masama ba un?” then don’t argue anymore.
  5. Contacting thru Letters – sign ANYWHERE, don’t open, look for the nearest trash can.
  6. Contacting thru Text - press 'delete'
  7. Contacting thru Visits – see no. 3 above.BTW, walang puede maka-pasok without your permission. That is robbery. lol!
  8. Court Case – Not all banks file collection cases because it's useless. You don't even need to attend. The decision is always “ You pay!” eh, walang pera. That’s the end kasi walang firing squad pa sa Pinas no?  Tip : the bank can NO LONGER FILE A CASE AGAIN. "res judicata" principle. like "double jeopardy" in criminal case?
  9. Fraud - Ang hinde pag-bayad ng utang is a violation of your CONTRACTS & OBLIGATIONS.  hinde po ito criminal case.
  10. Garnishments & Attachments – a) deposits - If you have deposits with the same bank as your card issuer, it can go after your money, anytime, even without a case, AT THEIR OPTIONS.      
  11. Garnishment Order  - comes only AFTER a court decision and only ONCE agaisnt your own account except for payroll, pensions and foreign currency deposits dahil bawal.  Attachment of Properties? None  p.s. Hinde din puede kunin  ang deposit ni Juan kung si Pedro ang may utang. common sense.
  12. Hold Departure Order - non-payment of utang is a civil case. Only criminal cases have HDOs
  13. Housing loans - you can avail Pag-ibig loans because it’s against your house and lot plus savings with them
  14. NBI/PNP – handles criminal cases only. Utang is under Civil Case. ( read no. 9 above)
  15. Negotiation of Debts – see No.4 since “payable when able" doon kung sa court ka.
  16. Newspaper – have you read a defaulter na na-published na? scam ni kolektor.
  17. RA 8484 – applicable ONLY if you used a fake card. You are not OBLIGATED to inform them saan ka lumipat or if you want tochange your number. gusto ka lang nila lokohin para ma-contact ka.
  18. Scandal – Sino ba ang pina-pakulong sakaling nag-eskandalo? (libel/defamation/threats are CRIMES!)
  19. Spouse Liability - None. Because walang conformity ng spouse sa debt instrument. court ruling yan.
  20. Subpoena( criminal) and Summons( civil)  - an invitation to hear your side on a complaint .
  21. Warrant of arrest-  issued by the court for criminal cases only

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RECYCLED QUESTIONS

May 31, 2019, 3:31 pm
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Except for some variations, most of the CC worries were already addressed.
See blogs dated March 1, April 1 and May 1
also, the comments.
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Loving Your Cards

June 30, 2019, 3:00 pm
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PROPOSED Year-end EB

July 4, 2019, 6:47 pm
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Date : November,_______2019
          Saturday except 23rd ; 
          2pm
          P500.00/pax  minimum pledge/donation
Venue : 5/f Conference Room ;   
            Go Hotel RobinsonsCybergatePlaza
             Edsa cor. Pioneer Street,   MandaluyongCity

contact : M'am Cherrylou 
proposal lang po ito. not yet finalized.

PLEASE DON'T POST CARD-RELATED QUERIES HERE.
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Are You Gullible?

February 9, 2019, 12:13 am
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It amazes me how most people readily accept ANYTHING :
1. Sir/Madam, si Atty. ek-ek ito;
2. Your P1,000,000.00 debt will be reduce if you pay P10,000.00 now;
3. We will file a case if you will not file today;( amnesty program)
4. Pay or else.....



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READ BEFORE YOU ASK

February 28, 2019, 1:35 pm
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  1. Abroad Working – you cannot be sued since Phil. Laws are only applicable here.
  2. Barangay – walang paki. see RA 7160 Section 408 ( no corporation) ; clarified by    Supreme Court Circular 14-93 
  3. Bouncing Checks – bank does not file BP 22 ; checks as loan repayments are not covered.
  4. Contacting thru Calls – tell the caller “pag-usapan na lang natin ito sa korte para legal lahat. Masama ba un?” then don’t argue anymore.
  5. Contacting thru Letters – sign ANYWHERE, don’t open, look for nearest trash can.
  6. Contacting thru Text - press 'delete'
  7. Contacting thru Visits – see no. 3 above. P.S. – walang puede maka-pasok without your permission. That is robbery. lol!
  8. Court Case – no need to attend. Decision is always “ You pay!” eh, walang pera. That’s the end kasi walang firing squad pa sa Pinas no? 
  9. Fraud - Ang hinde pag-bayad ng utang is a violation of your CONTRACTS & OBLIGATIONS.  hinde po ito criminal case 
  10. Garnishments of Deposits – banks only go for this ONCE against your own account except payroll and foreign currency deposits dahil bawal. comes after court decision. You can withdraw naman prior to decision. Why wait? No property attachments.
  11. NBI – only handles criminal cases. Utang is under Civil Case.
  12. Negotiation of Debts – see No.4 since “payable when able" doon kung sa court ka.
  13. Newspaper – have you read a defaulter na na-published na? scam ni kolektor.
  14. RA 8484 – applicable ONLY if you used a fake card.
  15. Scandal – Sino ba ang pina-pakulong sakaling nag-eskandalo? (libel/defamation/threats are CRIMES!)
 

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Have A Heart

January 31, 2019, 10:11 pm
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If you want to find your future partner, you wait.
If you want to find answers to your CC concerns, search.
We have addressed the same queries for over 10 years already.
nothing has changed.
so, chill!

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Year-end EB Updates

July 30, 2019, 5:10 pm
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                                                            The number of paid participants


The cost of plane ticket one day in advance            - P 12,652.12 (CEPAC)
                                                                                    18,523.00 ( PAL)
The reservation of  venue one day before                - * not available*




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We Don't Need Credit Cards As Basic Needs

August 16, 2019, 11:40 pm
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Davao's Kadayawan offers P99.00 for all durians you can eat
(p.s.be careful of your BPs. hahaha)

People often times have wants,
Bank simply offered them credit cards.
then these cards become their crutches!
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Year-end EB Updates As of Aug. 19,2019

July 30, 2019, 5:10 pm
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                                                            The number of paid participants

                                                           The number of those of paid but can't attend








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RECYCLED QUESTIONS

May 31, 2019, 3:31 pm
$
0
0
Except for some variations, most of the CC worries were already addressed.
See blogs dated March 1, April 1 and May 1
also, the comments.
↧
↧

Year-end EB

August 31, 2019, 6:47 pm
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0
0
Date : November 16, 2019
          2pm
          P500.00/pax  minimum pledge/donation
Venue :
            BSA Suites
           103 Don Carlos Palanca, Legazpi Village, Makati


contact : M'am Cherrylou  (cherrylou2015@yahoo.com.ph)


PLEASE DON'T POST CARD-RELATED QUERIES HERE.
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Salary Garnishment

September 3, 2019, 6:12 pm
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Garnishment of deposits comes AFTER a writ of execution, which comes AFTER a court decision.
the notice of garnishment simply states:
" kung may deposit sa inyo sa Juan, paki-hold, then forward it to the sheriff"
the sheriff then submits a report within 30 days.

Although sometimes it is hard to distinguish which is salary on deposit and what is savings but this is being only once. ( common sense?)




"It stands to reason that only natural persons whose salaries, wages and earnings are indispensable for his own and that of his family’s support are exempted under Section 13 (i) of Rule 39 of the Rules of Court."
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FIRING SQUAD

September 30, 2019, 2:00 pm
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Make you life simple.

whether it is small claims court, lower court or regional court,
whether you attend or not, the bank ALWAYS wins.
but if you have no money,
the collection will terminate after the decision.
period.

 only one thing to remember:
" wala pang firing squad sa Pinas" 


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The EB Aftermath

November 17, 2019, 12:28 am
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A simple priority for a Saturday EB has changed many lives.
I am glad to know it from you.
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Garnishment

November 19, 2019, 9:26 pm
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Rules of Court
exemption:
(1) So much of the earnings of the debtor for his personal services within the month preceding the levy as are necessary for the support of his family (Sec. 12, Rule 39).


 Only salary "due" the judgment debtor is subject to attachment and execution, and then ONLY IF  it is not made to appear by the affidavit of the debtor or otherwise that such earnings are necessary for the support of his family. ... .

Regular creditors cannot garnish your wages without first suing you in court and obtaining a money judgment.You can challenge it court or apply other diskartes.
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A Defaulter Wanting New Credit Card

December 5, 2019, 9:38 pm
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Who said you cannot get a credit card because you are a defaulter?
1. Get a secured card - against your deposits ( 1:1), or
2. If you have a sizeable deposit, the manager will simply give you one, or
3. Let the commissioners worry about how you get to approve one! or
4. Combination - transfer your deposits to your love ones ( to increase maintaining balance)
    then apply as Supplementary CH!

you see, there are many diskartes.
just be creative.
Happy Holidays

p.s.
don't forget the lessons, ok?


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FIRING SQUAD

September 30, 2019, 2:00 pm
$
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Make you life simple.

whether it is small claims court, lower court or regional court,
whether you attend or not, the bank ALWAYS wins.
but if you have no money,
the collection will terminate after the decision.
period.

 only one thing to remember:
" wala pang firing squad sa Pinas" 


↧
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