Comments on: Philippine Fair Debt Collection Practices Act

By: Phoned

Phoned — Thu, 11 Mar 2010 02:55:38 +0000

Sana me relevant tanong ko. Kung hindi paumanhin sa inyu. Yung DSL ko me unpaid na 7,000. tapos binigay sa collection Agent hinarass ako na magbayad ng 11000 tapos sabi ko la pa ko pambayad. Sabi dadalhin na raw nila sa korte ang issue at dadagdag sa babayaran ko ang attorneys fee. Isa ba to sa style nila na pangharass. Pwede pa ba ko dumiretso pa sa ISP company mgabayad ng talagang balance na 7,000. Me nakasuhan na ba sa delay na pagbayad ng service? Ako lng ba nakakaranas nito? =(. Thanks to you Mr Fritz and Senator Santiago.

By: Fitz

Fitz — Sun, 28 Feb 2010 23:31:37 +0000

@Gretchen The short answer is no. Please read this article for more information: What Happens If I Don't Pay My Credit Card Debts

By: Gretchen

Gretchen — Sun, 28 Feb 2010 19:12:02 +0000

Hi, Mr. Fritz.

I have a credit card debt. I recently lost my job with two months back pay to collect pa. The collecting agency wanted me to pay the discounted amount of 16,000 (original debt 24k). I was only able to raise 2000. I thought I would be receiving my back pay and said that I’ll try to meet the 02/26 deadline for the 16K at the same time asked for an extension. Unfortunately, I didn’t get to collect. What should I do? Will I be facing legal action next?

Thanks.

By: Fitz

Fitz — Sun, 21 Feb 2010 05:02:11 +0000

@bubbles
I’d recommend that you go directly to the bank, if you can contact their credit collection office, the better.

Then ask them to give you the exact amount of debt you owe and pay the bank the amount directly.

The bank can take care of the collection agency commission.

By: bubbles

bubbles — Sat, 20 Feb 2010 02:03:57 +0000

Thanks so much Fitz and ex-collector for sharing your ideas. you helped us a lot.
Just wanna ask btw, if i wanna payoff credit card debts but account was already sold to some b.s. 3rd party agency, is it still better to go directly to the bank i owed instead of the agency? im just not comfortable dealing with those crocs. thanks again.

By: rye..

rye.. — Mon, 01 Feb 2010 09:06:47 +0000

dis january nangailangan aq ng malaking halaga kc may babayaran aq n utang…lumapit aq sa kaibigan q..meron silang kinkuhanan n nagpapautang ng 5 6..inissuehan aq ng cheke n P30,000 dated last jan 24..ang usapan namin ay makikiride lang cla sa uutangin q..kaso sa dahilang kinailangan q lahat ng pera d q cla nabigyan..dun n cmula ang pang haharass nila to d point n tinatawagan n nla aq sa ofis at kinakausap ang mga boss q…dinala p aq sa presinto last friday para magpablotter..pinuwersa nya aq n magbigay ng promisori note..para matapos nalang ang usapan pumayag aq sa una nilang gusto n ibigay q ang 15000 last sat…kaso..ung inaasahan q n pera ay d dumating kaya 4000 lang ang naibigay q…tnxt q cla kahapon n magkita kami sa pinagblotteran sa akin para makagawa aq ng promisori note uli…pinipilit q n mabayaran kaso talagang nahihirapan aq n makahagilap ng pera sa ngaun…ang sv nila ay pumunta n cla sa presinto dahil hindi q tinupad ang pangako q na maibigay ang 15,000 nung sabado…natatakot aq n iskandaluhin uli nila aq dito sa opisina…willing aq magbayad kaso hindi q kaya ang gusto nila n agad agad ay ibigay q ang pera…panu po ang gagawin q…tnx…

By: Fitz

Fitz — Fri, 22 Jan 2010 03:55:49 +0000

@heather101, this is just what I know and may not be correct but I believe that having a bad credit history doesn’t greatly affect your chances of getting a passport so you’re fine on that aspect. However, issuing bouncing checks can be turned into a criminal offense and yes, you can go to jail.

By: heather101

heather101 — Fri, 15 Jan 2010 06:35:04 +0000

to all the people na nag share ng info, thnx a lot…but i just want to know if what will happen if may involve na bouncing checks??? i have a loan in a bank payable for 3 yrs, i had no probs in paying for the first year but something happened to my dad because he had cancer and because of that i wasn’t able to pay it anymore..I have 3 CC’s as well, good payer kc ako noon so banks will just send me a CC sa office w/o any application…hindi na ako nakabayad sa lahat ng mga utang ko sa mga banks coz of high interest rates/penalties and other charges… and there was one time a law firm contacted my aunt saying that they will put my case on a higher court if i won’t pay…and the worst thing is, I lost my job…I’m planning to get a passport para mag work abroad, is there any chance that I won’t get a passport for bad credit history????and if i’ll go to jail because of bouncing checks???

By: yeeshia

yeeshia — Wed, 06 Jan 2010 07:20:10 +0000

to ex-collector, you are an angel from above!!!words are not enough to express the feelings i have right now..because someone just called me up 30 minutes ago regarding my unpaid credit card bills. just like anybody else, i do not have intentions of becoming a criminal because of this…but honestly, i am really afraid…to my kababayan sen.defensor santiago, cheers to you!!! sana nga this bill will be finally be approved…to protect Filipinos who’s earnings not even sufficient due to economic reasons…yun bang tipo ng masipag naman mag trabaho pero di maganda ang kompanya at dahil dito nag tyatyaga na lang kaysa mapabilang sa high percentage of unemployed dito sa pinas…

one more question…will this in any way has an effect if ever my family and i will process papers to migrate to canada in the next 2-3 years? i have my passport now already…

By: kate

kate — Fri, 18 Dec 2009 09:12:22 +0000

Thank you so much Senator Santiago for protecting the rights of consumers and debtors. In our case (officemates) credit cards simply arrive in the office with a note saying “treat this as cash”…of course, who can resist such a ploy given our minimal monthly income?

These credit card collection agencies are profiting at the expense of financially hard-up Filipinos! We hope their immoral practices will soon end.

Thank you.