Preso for not paying CREDIT CARD?

[yhokz101]

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Credit Card Bills Not Paid: Will You Go To Jail? | Millionaire Acts

[Abu Mari]

ang utang dapat bayaran.
presohon man o dili ang dili makabayad.
credit card, amiga, amigo o paryente man ang giutangan.
barugi ang imo kridibilidad

[james_ezril]

ask lng ko ug tambag.. ddto kos credit and collection sa bank ky d ko gnhn mo dala ug istorya ang law firm na nag handle sa accounts nla.. try ko hangyo ug fix amount ra amo e byad kaso naa 3 yrs ra jd daw ila term sa payment.. ask lng ta ko kailangan jd diay naay terms na 3 yrs pinaka taas na dpat byaran nmu? d man gud afford namo ky dako ra kaau.. nya ila amnesty program mas dako pa hinoun sa principal amount sa cc nako.. hinaot naay mka tambag.. ky willing jd ko mo pay pero kana lng ta kaya namo..

[lodyl]

Mo post lang ko ani para to remind everyone who has cc debts to chill lang.... Nabalaka akoang friend kay naka dawat sya ug leter karon lang (on his birthday pa jud) about a "FINAL NOTICE" letter....

Source: DISKARTE (Guidelines on Credit Cards Paranoia)
Diskarte - The Booklet

Chapter I Meet Mr. Collector

He 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 Tell

The 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 - Visits

1. 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.blogsp...collector.html


Chapter V How To Pay

1. 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 Scenario

If 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 Learned

1. Debt is a humbling, not a humiliating experience.
2. Forget the debt, not the lessons.
Then reflect on this :
Parable Of The Ten Lepers

Postface
Someone 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. inquire
how at admin/Diskarte Forum.

[james_ezril]

ang collection agency cgeg panawag na pabayron na daw mis sa downpayment bsag wa pay arrangement na ni sugot mis terms.. gi ingnan namo d mi ka afford sa downpayment.. gi ingnan pako nganong palabi mn kag utang d man diay ka byad.. na ulbo akong kaspa dah! pede bani matawag ug harrasment ilang gi buhat? mo byad mi pero d ni mka afford sa ilang gipa ngayo..

[g-yomi]

onsay maayo buhaton ani?or enyong e katambag. cge twag hasol kaayo...

way back 2009 naa ko CC. but na settle na ang amount(nga ghatg nela) para ma clear akong name dd2 ko meng hatag sa hsbc. karon after 5 yrs karon pa ni balek og kol nako nga pabayron daw ko..otoy. nahibulong koh!

ang apan ani karon ang receipt or kdtong papel nga nagpamatuod nga clear na akng name kay nawala na biya..

salamatz

[lodyl]

Just received another letter na pud....

[marnoe@noemar2012]

please help me and give advice kai nakaproblem ko financially and wala ko ka pay sa akong credit cards.

naa ba jud mapreso because of not paying credit card?

collections companies and lawyers are calling me. moharass man sila kun di ko mag pay.

thanks daan!

sa akon experience as credit card sales agent before dli man ka mapriso ana pero mahasol jd ka kay cge man na sila panawag nimu.,

[sammaybe]

kng mangutan dapat mu bayad jd, one day millionaire mn gud inig dawat sa credit card labi na dako kaayo ang credit limit.

[MeMing]

Daghan gyud kaayo sa ato nagto-o gihapon aning "Walay mapriso sa utang". Mura man walay gi-eskwelahan. Ang maningil pay sayop ani ron?

Wala guro ni sila kahibaw naa natay small claims court ai...

How to collect debt without using a lawyer | Business, News, The Philippine Star | philstar.com