Preso for not paying CREDIT CARD?

[smartkid]

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pakig negociate nalang gyod sa imo nautangan bro, na willing ka mobayad...staggerred lang gud, then ayaw anang attitude nga masuko ug paninglan, ikaw baya ang naay problema dili sila, ni grant sila credit kay ni promise ka to fulfill ur obligation to pay...ayaw na huna hunaa kon ma preso ba kon di ka mobayad, ang huna hunaon nimo unsaon nga makabayad ka


bati sad na sa imong feeling kon naa kay utang oi, nga way bayad bayad, ako gani , naay niutang nako then wa gyod bayari, ako man maoy maulaw kon magkita mi...laina oi, so samot na siguro siya nga maoy nangutang nako

[pogy_uy]

credit card = convenience + bragging rights.

Just be responsible enough to pay the whole amount by the end of the month.

[keken]

wa he he he he

your korek bro, i understand a 3/4 bit

Asay 3/4 bit bah. Ahahahah. Familiar kaau imo nawong do. Mangayuhay ka cellphose sa. Sorry OT ko.

[sirius]

walay pwede prisohon sa utang, ang reason ana is because bawal na sa ato constitution
naa na siya sa bill of rights sa philippine constituion
that is article three (bill of rights)
Section 20. No person shall be imprisoned for debt or non-payment of a poll tax.

ang consequence lang if dili ka kabayad is by the time nga nag kinahanglan ka ug money dili ka maka utang sa mga banks kay blacklisted naka.
mao na nga ang uban pag mangutang ka kay mangayo sila ug PDC (post dated check) ang reason ana is pag mag talbog ang cheque pwede ka kasuhan dili ug estafa (i hope i spelled it right) then kung mag tawag sad sila nimo and you made some payment arrangements to them that can be use against you. so kung naa mag tawag nimo nga collection agency just say nga dili ka kabayad kay wala kay money then kung mag ask sila "when" just answer "I don't know"

i've learned this from my polsci teacher, naka remember pako gamay sa imo mga lessons, pero gamay ra kay most of the time late ko heheheh

[BiZMiNdZ]

For the trade starter.... Pasagdi na ang cge paningil nimo.. kung dili na jud ka makabayad, be it.. alangan naman mang hold up ka para ibayad nila.. isa pa dako na kaayo sila ug patong sa imo actual nga utang. Imagine 25% sa imo utang mao na ang ila charge for paningil nimo... Anyways, just get the lesson out of this mess and live your life away from credits cards... Enjoyyyyy a debt free life.....

[koykoy]

wa may ma preso sa utang. but pwede ka ma preso if ma prove na gigamit nimo ang card with fraud in mind (like mugamit ka ug card with the intention na dili nimo bayaran)

tell the collection people na ur willing to pay and when. mas maayu bayad ka sa whole kay para maka negotiate ka. kanang mga penalties tanan, pwede man na nimo ipa waive. hadloka na kung mag kaso2x, di man sila ka collect nimo sa 3.+% kay ang gi.allow sa law up to the legal interest ra man (or whatever the judge thinks pila ang interest but not ka high sa 3%)

nakasuway ko ug 6 cards totalling around 400k unya hostile na kaayu ko sa mga collection callers. hehe. ako kasab-an. in the end, nibayad nalang jud ko kay nag loan man ko para sa house construction gud. ang worse mahitabo nimo kay dili man preso kun dili bad credit rating. so lisod na ka magkuha ug real estate or other loans sa banko.

[fariza7788]

bad record na ka bai if ning avail ka sa amnesty nila

[pogy_uy]

Bro, apply lang amnesty...

[honey89]

Call your credit card company. As what people advise you here, ask for amnesty or negotiate your payment schedule. My husband has a pending credit card debt. What we did was to call up them up and told them our intention to pay, provided that we would also be given time to settle the dues. It took a while, but they agreed to have us pay the credit card debt at least 1,000 a month, which is not bad at all.

You can do the same. You can even tell them the most comfortable amount you can give them. Just let them know too that as soon as you have other modes of acquiring more income, you will also increase your repayments. They hardly say no to a negotiation, since it always provides them an option to collect money from their clients.

When it comes to jail time, I know you could be charged in court if you change address without informing them. It may seem like you're running away from your obligations. You can also get jailed if you pay them insufficiently funded checks.

[scorpionqueen]

Sakto gyud ni. deli man puwede ta mag credit na walay pang bayad. Kung ang atong mind kay walay ma preso sa utang... Himo-on nalang nato ni na negosyo...

Example. Apply ka 3 to 5 credit card company

utang mo each card 100k bali 500k na

waaa!! ka dako na utang ... walay ma preso man sa utang.. na... himo a daw na.

an eya la kamo waray man kamo upay kay mga mag dakmol naman eyo mga nawong. hehehe/ tapos sala naman iton hiya. pareho la kamo may sala an nag pautang kay kadadako an interest tapos ikaw naman na utang ka na waray naman ikaw pangbayad or waray plano mag bayad. deri man excuse an waray pang bayad. akon la ini guti-ay na opinion.

OT: Bro, English, Tagalog ug Cebuano lang ta lihug. Kay dili tanan kasabot ug Waray. Naa man na sa Istorya Rules. Salamat.