Chapter I Meet Mr. CollectorHe is usually a high school graduate who earns his living
on a no-collect ; no-commission basis, employing mainly:
1. Pretense ( lawyer/police/NBI,whatever)
2. Harassment
3. Blackmail
4. Extortion
5. Swindling
which are all
CRIMINAL OFFENSES just in case you don't know yet
Chapter II Ways of Contacting You 1. Demand letters
1.a. Receive them. No big deal. You can even sign it front and back or left to right.
1.b Do not open. There are no good news there anyway, only lies. tapon
2.Text Messages
Para iwas stress, simply press 'delete'
3.Calls
3.a) Take the call. It can't kill you anyway.
3.b) Do not argue, plead or explain, so that the call will not take long.
3.c) "According to my lawyer, sa court na lang daw natin pag-usapan ito"
3.d) Stick to that line. simplify your answers to "yes" or "no"
3.e) Remember this sound - "click"
3.f) Huwag ma-pikon. " Tama ka" is standard reply para SIYA ang ma-pikon.
Chapter III The Lies Collectors TellThe first lie is his name.
That is not the collector's real name.
So, why would you believe anything he says afterwards?
1.Court Case
They won't ; they don't ; they can't
Why would they'd be called "collectors" in the first place!
2.Imprisonment
Failure to pay means you promised, but did not fulfill it.
Its found under "Obligations and Contracts" of the Civil Code,
not in the Revised Penal Code, hence, not a criminal act.
This also applies to debts abroad like UEA.
3.Amnesty and Promos
Show me first the documents that he is legally allowed by the bank to do so
before I believe him.
4.Travel Ban
You are not a criminal, what gives?
5.Getting Your Properties/Assets/Money/Salary
May court decision na ba?
Meron ka bang condo/Ferrari/Time deposits?
Plain robbery
6.Publishing Your Face
Have you ever seen one in a newspaper?
7.Warrants of Arrest/ BP 22/ RA 8484/ PNP/NBI/CIDG/INTERPOL
These words imply "imprisonment" ; now go back and read again if you missed anything.
Chapter IV Threats and Blackmails - Visits1. Office
2. Home
3. Barangay
What for, Eskadalo?
ano ba usually ginagawa ng isang tao pag may mag-eskadalo sa kanya?
yun din ang gawin mo!
Tip :
A list of criminal offenses you can file against collectors is found here:
http://failuretopaycreditcard.blogspot.com/2010/11/matapang-na-collector.htmlChapter V How To Pay1. Go to the bank personally
2. Ask for an updated Statement of Account
3. Review and request for waiver or reduction of charges
4. If there is an agreement, document it ; the start paying
If there is no agreement ( referred only to collectors),
wait for the court, if ever it will come.
5.The process will simply repeat again from steps 1 - 4
Chapter VI Worst Case ScenarioIf the bank is serious in collecting from you,
matagal ka na dapat pina-tawag sa court.
Even if the bank files a thousand cases,
if you have no condo, ferrari or time deposit,
THE END
Chapter VII The Five Golden Rules 1. If you cannot pay, don't
2. Prioritize you need, not their greed
3. Disregard, delete, dedma.
4. Don't let them control your life, it's your life anyway
5. Dare their bluffs ; just for laughs?
(I forgot the last one. honest. ha..ha..ha..)
Chapter VIII Lessons Learned1. Debt is a humbling, not a humiliating experience.
2. Forget the debt, not the lessons.
Then reflect on this :
Parable Of The Ten Lepers PostfaceSomeone asked me:
"You told me they won't sue me but they did!"
I answered back:
" I cannot guarantee everything 100% ; Remember, I am not God!"
Banker®the booklet is available only during Diskarte EBs;the e-book however can be downloaded. inquirehow at admin/Diskarte Forum.
