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Sue Me?
Whenever collectors threaten to "sue" youBe thankful! It means mawawalan na sila ng commission pag ganoon....
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Bank Referral Code
BSP Cir. 702 requires that banks should notify defaulters of their assigned collectors.Due to rampant complaints, in the formal letter, the bank would normally include areferral code for confirmation...
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RA 8484 SAMPLE CASE
The law penalizes you only if you are using a fake card and notwhat those collectors are trying to tellor fool you.Here's an example:http://newsinfo.inquirer.net/673120/id-thief-leaves-dead-in-debt
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Matapang At Mayabang Na Collector
Matapang at bastos ang mga collectors kasi:1. Sa telepono or text lang naman yan;2. Hinde sila kilala ;3. Panay babae na defaulters ang kausap nila.Now, kung talagang matapang sila,try mo na papuntahin...
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Punta Sa Bahay ; Punta Sa Opis
Don't worry about visits.Collectors will merely :1. give you a FINAL, FINAL Demand letter. pirmahan lang left to right or front and back. no big deal. don't open. then, tapon.2. Paka-usap sa iyo si...
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Why Defaulters Easily Get Paranoid
You receive a call, text or letter stating scary things like :You already owe us P1,000,000.00 (from a debt of P100.00) Pay now otherwise we will file a case.But we can give you discount if you pay...
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The Golden Rules
Rule No. 1 – If you cannot pay, don’tRule No. 2 – Prioritize your need ; not their greedRule No. 3 - Don’t let them control your life. It’s your life anywayRule No. 4 - Disregard.. .Delete...DedmaRule...
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Calls - Again(?)
Being pestered by callers?"Ano plano ninyo"?"..otherwise we will file a case"Here are two suggested replies:"According to my lawyer, sa court na daw natin pag-usapan ito."" Mahal ang abogado""Problema...
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How To Deal With Collectors
I was sooooo inspired by the message I recently received :salamat po sa tulong. the peace of mind this forum( Diskarte Forum) has given me is priceless.dati hindi ko na nararamdaman ang saya sa...
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Eskandalo
Collectors will often threaten you na ipapahiya ka.Can he do that? Revised Penal CodeArticle 200 - Grave ScandalThe penalties of...
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The Parable Of The Ten Lepers
Leprosy was a terrible skin disease.Most people will despise you if you have it.Just like having defaulted cards.The story about the ten lepers occurred when Jesus was on his way to Jerusalem.Jesus...
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Anyare?
Banker may prob po ako sa HSBC CC kokinontak ako ng SPM Madrid Law pra masettle ang account ko sa halagang P10,000.00sa kagustuhang malinis ang name binayaran ko yun but until now disapprove pa din ako...
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What To Tell Collectors About Their Bluff
" Sabi ng abogado namin, sa korte na lang daw po natin pag-usapan ito para legal lahat. masama ba yun?"File a case? They won't ; they don't ; they can't!end of conversation.unless you want to engage...
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Proud To Be A Collector?
I was so glad that a collector attended our last EB.Nagkaroon siya ng first-hand encounter on how collectors make the lives of defaultersmiserable,that an attendee even disclosed na muntik na siya...
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Who Is Your Enemy?
Without knowing the attributes of your enemy, how will you defend against him?The following are his attributes : accuserdeceiverimitatorliar.murdereroppressorpervertertemptersinner Sounds familiar?...
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Hinde Ka Ba Nag-Tataka?
If your utang daw is already P100,000.00,why is the collector able to reduce it to only P10,000.00 if fully paid immediately?why can't the bank simply give you the same offer?
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Irritating Text Messages
SPAMS are unsolicited/unwanted messages that include texts from collectors but not limited to “pag-mumura” or “threats”According to: RAMON NOLASCO, JR....
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The Amnesty Fantasy
1. What is there to waive if your debt is already "closed".2. Who is waiving but just the collector and not the lender, who by the way might no longer be interested to collect. ( otherwise,...
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Pina-pahiya Ka? ( Defamation)
A) Criminal Liability - ImprisonmentSlander (oral defamation) - Imputation is made verbally Simple slander - Dahil sa init ng ulo o paghahamon mo.Grave Slander - Kung...
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