Preso for not paying CREDIT CARD?

[Intruder26]

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Nah same here. g harrass akong tao, napay pina ingun ai..Nya ok ra nimo ka anhaon ug police inyong company dili mo mauwaw nga alirongan daw ang company ug police unya adto arestohon ang tao...ako g ingnan...Ok I dare you! Unya mura ra bag unsay gidugayon sa utang na delay ra gud ug one day.

Amo sad usa ka kauban kay mao naay nitubag gi apil man sa kahig oi, g ingnan ba nga apilon siya ug kiha kay iya daw gitaguan ang among kauban. Kani sad laging erehes pwerteng goula. Ang ending nanawag ug balik gipangita siya kay wa katuhog sa apelyido, maygani akong gtubag akong g away... ako g ingnan, Please be aware that our conversation is being recorded. I will only confirm the information that you have. Unya magsige man gud ug ask unsa daw family ato nga tao namo. Ako gbutang!

One time bastos kaayo nagfax sa among machine, Please pay your credit or else ipriso daw siya....sakto ba gud na. Bayaran man ba ug tarung lang mostorya d lang sad mudiretso panghulga.

[necrotic freak]

^^kining mga collector nanginabuhi pod ni sila.. No collection, No pay tawn ni sila. mao nga with all means sa pagpaningil buhatin gyud na nila labi na ron hapit na pasko.

pero akong advice,

if you can't pay, don't. prioritize your need, not their greed.

ug naay mo anha sa inyong office magpa ila nga polis, tawag dayon mo ug polis.

[anut]

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!

CC Paranoia Synopsis - Answers to most queries (lifted https://www.istorya.net/forums/politi...ations-10.html)

1. I will go to jai
Utang is a civil liability. Imprisonment is for criminal offenses.
Therefore walang pakialam ang :

a. Police - they handle peace & order
b. NBI - NBI Clearances cover criminal cases
- It contains the entire criminal history record (Criminal Incident History) from the different judicial courts and law-enforcement agencies
c. Immigration - Hold Departure Orders are for criminal cases only
d. DFA/Embassy - Passport/Visa issuance is not dependent on CCs
e. Barangay - They cannot entertain complaints from a corporation (collection agencies company)
f. Courts - They mediate not collect
g. Other Countries - Their laws are not applicable to us. Remember Contemplacion?

2. They will visit our house and get my properties/Cause a scandal

Trespass To Dwelling is a crime against security - kulong sila.
Is there a court order? file muna sila ng case!
Get your properties? does your name appears in your electric fan?

Sec.13 of Rule 39 of the Rules of Court outlines some properties
they cannot get from you :
- family home
- salary/pension
- furniture ( beds/dining tables etc...)

Check mo Crimes Against Honor - Art. 353(Libel);Oral Defamation etc.

3. They will charge me with RA 8484 because:
-I transferred residence/office/went abroad

without informing them;
-I am defrauding creditors by not paying.

Did you used a fake card and supplied faked information?
(reasons why you do not want to pay)

Did you left your place “surreptitiously”? (look for its meaning)

If your answer is “YES”. Then, maybe you are guilty indeed.

Crystal Clear explanation!

RA8484 applies to you if AT THE VERY BEGINNING, your have faked your CC.

Burden of proof will be on the part of the CA (or CC company) that you had the intention of defrauding them from the time you applied for the CC.

I applied...gave them my real name...my current address at the time I applied...used the card...paid it faithfully for many years...I lost my job...transferred homes...unable to pay my card...using funds for my basic needs...my family's needs...I set aside my Card but it was not faked...

I don't think RA8484 applies to me!

4. They will file a case.

The Worst They Can Do, or What You Have Been Afraid Of

They wont ; They cant. Impractical, expensive, waste of time and pointless. What makes you more important than the other 999,999 accounts?

You've been complaining about high interest before? Now is the time.

Our compassionate Judge usually reduces it to 12% Interest PER ANNUM na lang, ayaw mo pa noon?

And, even if they file a thousand cases against you, if you do not
have the money or identifiable properties, That’s IT!

5. They will come and talk to our Manager/HR ; cause a scandal

See no. 2 above and some suggested diskartes below

6. I issued PDCs.

BP 22 has been decriminalized. Just attend when invited. That is the only requirement.

7. My account will balloon because of continued interest and charges.
- I surrendered already my card but the charges wont stop.
- Your card is automatically suspended even without you asking for it.
- Your account will continue to incur interest and other charges "until fully paid" - That is what your Card
Agreement says.

So, it will never stop, but collection efforts can.

8. I will be BLACKLISTED
You cannot erase an experience,even if you pay it now. but you can justify it
- nawalan ka ng trabaho e. A good credit officer( not them CC officers)looks beyond that experience.Why not try to find it out?
A good number of people do get to be issued new credit cards despite the experience. Try before you quit.

Pakiusap lang,
LEARN FROM YOUR EXPERIENCE.

SECTION B - Sources of Harassments:

a. Collection Letters
- You already know what's inside. Throw it right away without even opening it. No good news there. It will just spoil your day.

b. Text - SMS & Calls
- delete. avoid sending replies. sayang ang load divert those calls.

c. Visits
- Ask for their ID, authority as representative and/or Court Order.
- You have the right to refuse them entry if they cannot show one.
- Then call for police assistance (This is their ACTUAL function)

Ito ngayon ang may imprisonment:
c.1 Trespass To Dwelling ( Crime Against Security)
c.2 Fraud - Pretending to be somebody
c.3 Extortion
c.4 Robbery
c.5 Oral defamation

d. Calls - office and home landlines
- We always assume they are from the bank how can you be sure? ask them that.

d.1 Don't take the calls. You have other better things to do.

d.2 If you can't avoid it, just make your replies simple, even if you do not mean it, to avoid prolonging your agony

d.3 No need to explain why you cannot pay, plead that you be given time,nor engage in an argument - all pointless.

d.4 Can't take the call anymore? Bang the telephone! That is your right.

e. Call/Text Messages

e.1 A case has been file already. To stop, call this number
- You cannot stop a case if already filed. It has to be formally withdrawn
- Did you actually received a Summons? Ano ito,shortcut?

e.2 You have a package for pick-up
- You should know better

SECTION C - Venues for Sama ng Loob

Bangko Sentral ng Pilipinas is our friend.
So is the Bank President.
IBP/Supreme Court can remind lawyers
This Post reduces tensions

[Bricksand]

In short la pa jud may na priso because of unpaid credit card bills but your name will be blacklisted to Banking Industry because they have this database for shorlisted individuals. Be careful lng guys kay if you will apply for loans to any financial institutions these might affect your credit ratings as well.

Bottom line mas mayo kung limpyo imo record kay damo ka options to get funds for start up ventures.

[lodyl]

naa pud ko question ba.. naa koy cc sa unionbank.. pero dili nako permi gamiton kay naa man koy bdo.. unless lang kung usahay mo palyar inig swipe ang bdo.. mao ako gamiton.. now naabot na ang annual fee.. which is 1.5k karon wala sa nako bayari.. kay wala man tawn nako gamit.. now gitawagan ko sa bank. and they ask if naa paba nako ang card ako giignan na uu. then ako gi explain then ask ko na ipa waive lang kay dili kaau nako gamiton.. then ni ana to ang collector or agent bana. na just disregard ang next bill nako pag abot sa next bill nahimo daun 2k+ kay tungod sa wala nako bayari daun. but since disregard raman nako so wala napud nako bayari. heheeheh.. . so by this mean pwede bani nako mapa cut off ang card?

i think mapa cut off na nimo bai once mabayran na nimo... much better if moadto ka sa bank mismo to settle everything...

[necrotic freak]

i think mapa cut off na nimo bai once mabayran na nimo... much better if moadto ka sa bank mismo to settle everything...

pero ayaw sad pag adto sa banko nga walay dala kwarta para pang full payment with exchange to certificate of full payment.

[istoryamember]

naay thread where daghan ang nag ask asa sila pwede makakuha ug credit card. I hope after pila ka months pag gamit sa credit card dili sila diri mag post para mangutana with same question

[necrotic freak]

^^hehehe may lain pa.

[Bricksand]

i think mapa cut off na nimo bai once mabayran na nimo... much better if moadto ka sa bank mismo to settle everything...

If mag pa cut off ka better go sa bank then never pay the annual fee...style na nla.

[i_am_fairy]

i have the same sentiment. the collection agency is giving me until the 20th of this month to pay the amount i owe them kaso and i told them nga i will the said amount kaso lang naglisud kog pangita og kwarta at the moment and I have less time to find money na. unsaon diay pag apply anang amnesty thing? pwede pa ba ko manawag sa bank mismo bisag na refer nako sa collection agency?

need your advice guys. salamat