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Without, it can lead to huge credit card debts eventually having you as slave as you work for the rest of your life just to pay for it. This is what I learned upon my employment in an asset management firm before. Banks usually get the services of debt collection agencies on a no cure, no pay basis. They are on a commission basis. That means, if they have not collected any amount, then they wouldn t be paid for their services. That s why you can see these agencies threaten you with demand letters and text messages ordering you to pay your credit card bills or else they will file a lawsuit against you and that they will put you to jail. Yes, they can file a case called SUM OF MONEY but this can not put you to jail even if you insisted not to pay for it. Some of these credit card collection agencies threaten to file a criminal case called Republic Act 8989.

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As long as you did not fake your identity in your credit card application, be calm. This is the case they can file if and only if you defraud your identity. Again, they can not put you into jail by merely not paying your credit card bills even if they send demand letters threatening you to pay for it. Remember that they are doing all they can do to force you to pay for it because their services are on a no cure, no pay basis. Since you won t be jailed by not paying your bills, I am not encouraging you to just leave it unpaid because it will haunt you in the future. One of my readers before who is working as a manager had an unpaid credit card bills due to fraudulent purchases. She told me that the bank where she is working had a recent audit of the credit history of their employees. Her concern is her fear on losing her job as the company policy dictates that all managers and executives should be cleared from the list with bad credit history. Aside from company policies whenever applicable, the bad thing about not paying credit card bills is that your name will be listed under the directory with bad credit history. This will give you a hard time securing any type of credit or loan in the future as the database is mostly shared by banks. As a rule, banks, affiliate debt collection agencies, and debt counsels may resort to all reasonable and legally permissible means to collect amounts due them under the credit card agreement. However, in the exercise of their rights and performance of duties, they must observe good faith and reasonable conduct and refrain from engaging in unscrupulous or untoward acts. The following are considered unfair collection practices which are considered illegal according to (Amendments to Provisions on Credit Cards)a) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. B) The use of obscenities, insults, or profane language which amount to a criminal act or offense under applicable laws. C) Disclosure of the names of credit cardholders who allegedly refuse to pay debts, with certain exceptions. E) Communicating or threat to communicate to any person credit information which is known to be false, including failure to communicate that a debt is being disputed. F) Any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a cardholder. G) Making contact at unreasonable/inconvenient times or hours which shall be defined as contact before 6: 55 a. M. Or after 65: 55 p. If you are having problems paying off your credit card debts, here s a from no other than Robert Kiyosaki, author of the famous Rich Dad Poor Dad book. Tyrone is a passionate financial literacy advocate.

He started this blog on November 7558 when he watched The Secret which talked about Law of Attraction because he wanted to become a millionaire and to know how a millionaire acts. At the age of 76, he achieved his first million. To find out more about him, or follow him at. Hi! I have the same problem after paying much of the amount, there was still a balance owing about 5-7555, and I am sure that this amount could be xxx infinity since this was about 65 years ago. . Would you recommend settling this directly to the bank itself? Or thru the collecting agent? Would the bank charge me the whole amount or they would extend some leniency by just paying certain portion of the amount and or the whole amount over a period of time? Hoping to receive a response. ThanksHope you could help me on this. I had an unpaid C. C 65 yrs ago. This yr we are planning to get a second hand car through car dealers and they have accredited bank where I can apply for loan. My question is would it be possible na ma deny ung application ko because of my past credit history. ? Thank you so mchjust a quick question about, A. No. 58-8-7-SCRULE OF PROCEDURE FOR SMALL CLAIMS CASES, is this good for person to person loan? My problem is, someone loaned 55th sakin, den we agreed on a 65% interest per month, we have the loan agreement contract. She said she ll pay it in 6mos every 65th and 85th of the month. Now, the problem is, she s always late in payment and ang hirap nya pa singilin. I always have headaches when it comes to due date coz she always have excuses. She missed 6 payment but she pd interest on it.

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But i want her to pay the whole amount already coz of the trouble of paying every cutoff. Could I file a Small Claim against her because of the poor payment she s making? I m really sick and tired of dealing with her. She still have 5 more payments left. Please advise. Thank you. My question is, after paying my credit card that has been endorse to collection, will my credit card be activated after? Pls answerDefinitely no. Nangyari na yan saken. Binayaran ko ng buo yung balance ko then they told me to wait for 7-8 months for reactivation for the card. Hindi rin pala iaactivate yung card. Tulad sa misis ko ganyan paasa na aactivate hindi naman. Same faith halos sundan ka sa mall makapag apply lang sa kanila tapos i pa updated ang computaion nila JINDI TIN PALA reactivated ulit. I need an adivce please help, alam ko po nagkamali ako for not paying my credit card, ngaun po kinasuhan po ako ng estafa tapos po may pumunta na po sa bahay na kapitan sa amin at kagawad iyak ng iyak ung mama ko po kasi xa po ung naabotan please help me po ano po gagawin ko po. May police po kasi na tumawag sa kanila tapos ngaun tinawagan ko din ung police ano po gagawin ko po? Mapupunta po ba ako sa prisinto? Please help me po hindi na po ako makatulog 🙁Hi, ask lng poh sna aq, kc poh my tumawag s # ng kapatid q n dhil dw poh s unpaid card q, kkasuhan nla aq ng estafa and ppnta dw poh ung mgssheriff for the amount of 99k. Ano poh b dpt q gwin? Mggwa poh b tlg nla n mgsheriff dhl lng dun s credit card? ThanksAlam mo same tayo ng ginawa sakin ng mga collecting officer nayan na ganyan din ang sabi at magdala daw sila ng sheriff sa bahay namin. Grabi sila manakot, mahirap kasi sa mga bank nayan pag gusto muna pa cut yong credit card mo ayaw nila pumayag. Tapos kapag di mo na settle at malaki na ganyan sila manakot, panu pa sila babayaran nyan kung ganyan ang ginagawa nila sa may mga utang sa kanila. Unless kung fake identity sa credit card application dun papasok ang RA 8989 pero kung totoo lahat sa application mo na inilagay don t worry. They cannot put you in jail.

Harrassment na yan. Me tanung lang po ako pwede po akong i hold sa NBI o kasuhan kung di ko mabayaran yung aking credit card? Thank you poby the way debie jean, pag andun kna sa bnigay kong site press CTRL+F then type pulis makikita mu agad un info abt sa halos same na case mo. And ull know what to do. Thanks! ! Hi pwede po humingi ng advice my pumunta po kasing collector ng credit card at binigyan po aq ng letter tinatanung kung kelan ko po settle ung utang ko acvtually po hindi ko sya nabayaran sa dahilang kapapanganak ko lang last nov at ubos ang pera ko. At nawalan p ko ng work huhulihin po b nila aq at dadalhin sa presinto pag d aq nkabayadHi. Tatanong ko po. Pde b un ung wlng dmdting sakin n notice gling rcbc. Tpos pgktpos ng isang taon ska aq pndlhn ng sulat n gling sa firm. N kailangan ko daw byran sa araw n in. Tpos late dumatong ung sulat. Nlpg ugnayan aq sa rcbc sb nila ing card ko daw ay nsa collector daw. Pinablock ko n ung card ko mtgal n a alam ko wl n aq balanse. Tpos tnxt as nung collector n sinungaling. Tpos tnxt aq ngun n nkfile daw ung kaso ko. Ano b dpt kng gwin my nkausap aq isa sa collector n ok lng daw sa knila n wg ko daw byran. Bkit ngun tntxt aq nung isa pang collector. Buntis pa nmn aq tpos kbuwanan ko ngun. Pksgutn po agad. Tnx poPlease. Kelangan ko po ng sagot. Follow up question po.

Kksuhan daw po aq ng rep act8989. Ano po b dpt kng gwin. Wl po aq trbho at kkumpisa lng ng asawa ko. Sa trabaho. Hnd ko nmn ginusto n mgkroon ng cc. Ngulat nlng aq n my cc ng dumating sa add ng bhy ng parentd ko. Ngrerent po kz km ng bhy kya wl kming sariling add n pdng gmtin kundi ung sa parents ko. Msyado nila aq gngpit s gngw nila. Tnx po. Need ko po ung sagot pra alam ko kng ano ggwin ko. Tyrone,, pkisagutan nmn ung mga tanong ko. Kz nttkot n aq bka mapaanak aq dito wl sa oras. Wag kang matakot kasi wala ka naman dapat ikatakot. May valid point ba sila sa claim nila? Ginamit mo ba talaga credit card? Anong basehan nila sa pagsasampa ng RA 8989? As I ve said, RA 8989 is about fraud ng identity. If wala naman sila valid reason to file a case like that, then wala kang dapat ikatakot. Hayaan mo lang sila. Sabihin mo lang na babayaran mo CC mo and that you re willing to negotiate for payment terms kahit pakonti konti. Sir pareply po. Mangyayari po ba yun? Nakiusap po ako skanila kanina na babayaran ko yung amnesty offer nila pero installment dahil di ko kaya magbayad ng buo pero di sila pumapayag. Pede po ba nila gamitin legal grounds yun sakin?

Reply po please. Buntis po ako ngayon at talagang nagaalala ako ng sobra po.

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