❓ Help Ano po mangyayari pag di nakabayad ng utang sa seabank?

[_Nixx]

Pa advice po sa may utang sa online banks. Need ko mag benta ng properties para makabayad eh

 

[bugz331]

back up mo muna lage ang registry mo bago mo baguhin para pag may mali kang nagawa pwede mo lang ibalik

 

[_Nixx]

back up mo muna lage ang registry mo bago mo baguhin para pag may mali kang nagawa pwede mo lang ibalik

Di ko po gets

What if next year ko mabayaran guys tuloy tuloy ba penalty kada buwan kahit 3 months ko lang na installment?

 

[Nokubi Nana]

Di ko po gets

What if next year ko mabayaran guys tuloy tuloy ba penalty kada buwan kahit 3 months ko lang na installment?

Yup, mag accumulate yan ng late fees + interest + ma foforward sa collection agency yang transaction = Stress kasi diyan na magsisimula mga tawag nang tawag sayo para maningil.

 

[_Nixx]

Yup, mag accumulate yan ng late fees + interest + ma foforward sa collection agency yang transaction = Stress kasi diyan na magsisimula mga tawag nang tawag sayo para maningil.

Hala ibig sabihin kahit 3 months installment lang. pag lagpas ng 3 months tuloy tuloy ang penalty huhu

 

[Nokubi Nana]

Hala ibig sabihin kahit 3 months installment lang. pag lagpas ng 3 months tuloy tuloy ang penalty huhu

yup, diyan kumikita ang banks, sa overdues, pero kung traditional banks, usually ginagawa ng mga di nakakabayad is nakikipag usap sa bangko to waive some fees, idk sa seabank.

 

[_Nixx]

yup, diyan kumikita ang banks, sa overdues, pero kung traditional banks, usually ginagawa ng mga di nakakabayad is nakikipag usap sa bangko to waive some fees, idk sa seabank.

Sige thanks mam kahit mabenta kona lahat ng meron ako wag lang lumaki ng ganyan

 

[Nokubi Nana]

Sige thanks mam kahit mabenta kona lahat ng meron ako wag lang lumaki ng ganyan

No prob po, kaya i never loan or pay later unless 0 interest sa mga ganyan maliban nalang kung emergency talaga. pero if ever, mas ok pa din manghiram sa mga kakilala para mapakiusapan na walang interest, or kung meron man is maliit lang compared sa mga banks.

 

[Raze]

Mag-Harry Roque style ka na lang.
Lakihan mo na sana. Para sulit.
Wala sila magagawa kung overseas kana.

 

[dostresx]

magknao ba TS?

 

[Nokubi Nana]

magknao ba TS?

Ayan babayaran na daw ni boss

 

[dostresx]

Ayan babayaran na daw ni boss

pwede kase yan ipa settle sa bank para di na tumubo ng paulit ulit

1. Legal Consequences:
   
   • No Imprisonment for Debt: According to the Philippine Constitution, you cannot be imprisoned for failing to pay a debt
     1
     . However, lenders can file a civil case against you to recover the debt
     1
     .
   • Civil Cases: Lenders may pursue civil actions to claim the unpaid amount, including interest and penalties
     2
     . If you issued a bouncing check or abandoned your residence without informing your creditor, these actions could lead to criminal charges
     1
     .
2. Financial Consequences:
   
   • Accumulating Debt: Your debt will continue to grow due to interest, penalties, and other charges
     1
     . This can make it even harder to repay the loan over time.
   • Credit Score Impact: Defaulting on a loan can negatively affect your credit history, making it difficult to obtain future loans
     3
     .
3. Debt Collection Practices:
   
   • Demand Letters: Lenders typically start by sending demand letters requesting payment
     3
     .
   • Debt Collection Agencies: Lenders may also use third-party debt collection agencies to recover the debt
     3
     . It's important to know that harassment and unfair collection practices are prohibited by law
     4
     .
4. Your Rights:
   
   • Protection from Harassment: You are protected from abusive debt collection practices under the Data Privacy Act and other consumer protection laws
     4
     .
   • Negotiation: You can negotiate with your lender for a possible restructuring of the loan to make the terms more manageable
     4
     .

If you're facing difficulties, it might be helpful to seek advice from a financial advisor or legal expert to explore your options and find a solution that works for you.

 

[Raze]

Masyasdong pating mga yan kahit banko pa.
Kaya deserve nilang malugmok/malugi at magsara.

pwede kase yan ipa settle sa bank para di na tumubo ng paulit ulit

1. Legal Consequences:
   • No Imprisonment for Debt: According to the Philippine Constitution, you cannot be imprisoned for failing to pay a debt
     1
     . However, lenders can file a civil case against you to recover the debt
     1
     .
   • Civil Cases: Lenders may pursue civil actions to claim the unpaid amount, including interest and penalties
     2
     . If you issued a bouncing check or abandoned your residence without informing your creditor, these actions could lead to criminal charges
     1
     .
2. Financial Consequences:
   • Accumulating Debt: Your debt will continue to grow due to interest, penalties, and other charges
     1
     . This can make it even harder to repay the loan over time.
   • Credit Score Impact: Defaulting on a loan can negatively affect your credit history, making it difficult to obtain future loans
     3
     .
3. Debt Collection Practices:
   • Demand Letters: Lenders typically start by sending demand letters requesting payment
     3
     .
   • Debt Collection Agencies: Lenders may also use third-party debt collection agencies to recover the debt
     3
     . It's important to know that harassment and unfair collection practices are prohibited by law
     4
     .
4. Your Rights:
   • Protection from Harassment: You are protected from abusive debt collection practices under the Data Privacy Act and other consumer protection laws
     4
     .
   • Negotiation: You can negotiate with your lender for a possible restructuring of the loan to make the terms more manageable
     4
     .

If you're facing difficulties, it might be helpful to seek advice from a financial advisor or legal expert to explore your options and find a solution that works for you.

Wala yan kung Harry Roque style.

 

[bugz331]

Di ko po gets

What if next year ko mabayaran guys tuloy tuloy ba penalty kada buwan kahit 3 months ko lang na installment?

mali ako ng na replyan hahaha

 

[Nokubi Nana]

mali ako ng na replyan hahaha

Pwede din naman backupan lods yung utang para kapag di na kaya bayaran, reload nalang. HAHAHA

 

[_Nixx]

Pwede din naman backupan lods yung utang para kapag di na kaya bayaran, reload nalang. HAHAHA

Babayaran parin ba ng relatives ko yung utang if namatay ako ganun?

 

[Nokubi Nana]

Babayaran parin ba ng relatives ko yung utang if namatay ako ganun?

Nope, hindi namamana/naipapasa ang utang, pero if namatay na yung may utang, the collection agency will go for their assets and liabilities, if may nakapangalan sa iyong assets like properties, cars, etc., they will go collect it as payment.

Nope, hindi namamana/naipapasa ang utang, pero if namatay na yung may utang, the collection agency will go for their assets and liabilities, if may nakapangalan sa iyong assets like properties, cars, etc., they will go collect it as payment.

So if pekein mo yung death mo para takasan ang debts, much better to change your legal name na din kasi di ka na makakapag own ng assets using your legal name. tinuruan eh no. HAHAHHA

 

[_Nixx]

Nope, hindi namamana/naipapasa ang utang, pero if namatay na yung may utang, the collection agency will go for their assets and liabilities, if may nakapangalan sa iyong assets like properties, cars, etc., they will go collect it as payment.


So if pekein mo yung death mo para takasan ang debts, much better to change your legal name na din kasi di ka na makakapag own ng assets using your legal name. tinuruan eh no. HAHAHHA

Hahaha mas magastos yata yan mam if baguhin ko identify ko kesa sa utang HAHA

 

[Nokubi Nana]

Hahaha mas magastos yata yan mam if baguhin ko identify ko kesa sa utang HAHA

kaya nga, hahaha

 

[_Nixx]

kaya nga, hahaha

Nakabawas na ng konti i think may 3k+ akong di muna mababayaran kase wala na akong pwede ibenta Huhu sa June pa naman due non ang hirap talaga pag may utang.