Estafa and Bouncing Checks Law (B.P. 22)

It is inevitable that we will encounter a check at least once in our lifetime. This medium of commerce is still very common despite the proliferation of credit cards. Sadly, with the increase in its use there is also the increase in the number of individuals taking advantage of checks to defraud other people.

For this reason, a provision in a Revised Penal Code was placed to deal with this issue. This law however has defects and deemed insufficient to answer certain situations, thus the Bouncing Checks Law (B.P. 22) was passed into law.

For non-lawyers, these two laws may create confusion because of its highly technical terminologies. As such, I have decided to write this simple guide to aid those who seek more information about estafa and the Bouncing Checks Law (B.P. 22).

How is estafa through the issuance of bouncing checks committed?

It is committed by means of any of the following false pretenses or fraudulent acts executed prior to or simultaneously with the commission of the fraud:

By postdating a check, or issuing a check in payment of an obligation when the offender had no funds in the bank, or his funds deposited therein were not sufficient to cover the amount of the check. (Article 315(2)(d) of the Revised Penal Code as amended by R.A. 4885)

What are the elements of estafa through the issuance of bouncing checks?

This form of estafa has the following elements:

  1. Postdating or issuance of a check in payment of an obligation contracted at the time the check was issued
  2. Insufficiency of funds to cover the check, and
  3. Damage to the payee thereof.

If any of these elements is not present then a person cannot be held liable for estafa.

Marian went to a boutique to shop for clothes. Since she is a friend of the store owner, she was allowed to pay later. After 10 days, Marian issued a check in payment of the clothes she bought. The check bounced to the dismay of the store owner. Can Marian be held liable for estafa?

No. Marian cannot be held liable for estafa because the check was issued in payment of a pre-existing debt. As mentioned earlier, estafa through the issuance of a bouncing check can be committed only if the check was issued in payment of an obligation contracted at the time the check was issued. Note however that while there is no estafa, nevertheless, Marian can be held liable for another crime, which will be discussed below.

Can the issuance of bouncing checks give rise to other offense aside from estafa?

Yes. A single act of issuance of bouncing checks may give rise to several offenses such as estafa and violation of B.P. 22 or the Bouncing Checks Law

How is a violation of the Bouncing Checks Law committed?

There are two possible ways by which this can be committed, to wit:

  1. Making or drawing and issuing any check to apply on account or for value, knowing at the time of issue that he does not have sufficient funds in or credit with the drawee bank for the payment of such check in full upon its presentment, which check is subsequently dishonored by the drawee bank for insufficiency of funds or credit or would have been dishonored for the same reason had not the drawer, without any valid reason, ordered the bank to stop payment
  2. Having sufficient funds in or credit with the drawee bank when he makes or draws and issues a check, shall fail to keep sufficient funds or to maintain a credit to cover the full amount of the check if presented within a period of ninety (90) days from the date appearing thereon, for which reason it is dishonored by the drawee bank.

What are the elements of violation of the Bouncing Checks Law?

An offence under this law is committed when the following elements are present:

  1. Making, drawing and issuance of any check to apply for account or for value;
  2. Knowledge of the maker, drawer, or issuer that at the time of issue he does not have sufficient funds in or credit with the drawee bank for the payment of such check in full upon its presentment; and
  3. Subsequent dishonor of the check by the drawee bank for insufficiency of funds or credit or dishonor for the same reason had not the drawer, without any valid cause, ordered the bank to stop payment.

How can there be presumption that the maker, drawer, or issuer had knowledge of the insufficiency of funds?

The presumption arises only after it is proved that the issuer received a notice of dishonor and that within 5 days from receipt thereof, he failed to pay the amount of the check or make arrangement for its payment.

In the same example given earlier, can Marian be held liable for violation of the Bouncing Checks Law?

Yes, because in Bouncing Checks Law, unlike in estafa under Article 315(2)(d) of the Revised Penal Code a person can be held liable for making, drawing or issuing a check for account or for value. Meaning, even if the check was issued in payment of an existing obligation, the person can still be held liable.

Can Marian use as a defense the fact that there was no malice or bad faith on her part when she issued the check?

No. The law does not consider important whether or not malice and intent attended the issuance of the check.

If Marian pays the check or makes an arrangement for its payment within 5 days from notice of the dishonor, what is the result?

She can invoke this payment as a complete defense if a case will be filed against her by the store owner.



Author: Atty. James Biron
Atty. James S. Biron is a corporate lawyer specializing in foreign investments, trade, mergers and acquisitions, planning and financing of projects and capital raising. Clients served include real estate, construction, energy, information technology, agriculture, education, medical and casino gaming companies.

304 Comments

  • Dez

    Good evening Atty Biron, hope you are well po. I would just like to seek legal advise from you. May nareceive po akong warrant of arrest thru Viber forwarded by a collections officer for BP 22 last week. Inaadvise po nya na bayaran ko ung 18, 000 bail para di daw po nya ako ipadampot sa police. The warrant po is dated November 17, 2016 and just sent it to me last week. It was signed by judge. I just want to ask if possible po ba na sinend thru viber and the date was issued last year pero last week nya lang po sinend and I never received any court hearing or summons prior to the warrant. I hope you can assist me po. Thank you Atty.

    • Atty. James Biron

      Good evening, Dez. Please check your email

      • Darna

        Hi Atty James sana matulonggan mo ako about sa problema ko naging co maker po ako ng loan sa lending then young principal hindi nagbabayad ng loan at dito po ako nag work ofw mahuli ba ako pag uwi ko sa airport kasi may warrant na daw yung kino comakeran ko paano ba ako nito ano gagawin ko salamat po

      • Kim

        Atty ask ko lng po. May nreceive po kasi akong warrant of arrest nasa social media and sa isang collector po kaso ng BP 22 pero dated mid last year pa po 2016. Yun nga po wla akong nreceive na may hearing or what nagulat nlg ako warrant of arrest for non appearance dumating na. Signed by a judge. Ano po ba yung magandang gawin? Anytime po ba pwde lng ako pdampot or ano? Thanks. I wanna take legal actions po sana regarding this issue. Salamat po! 🙂

      • Arlene A.P.

        good pm po atty., nawa’y nasa mabuting kalagayan po kayo,. may humiram po sa akin ng pera worth 450,000.00., kaibigan ko po siya kaya po ako nagtiwala. ang ginamit po niyang pambayad sa akin ay apat na cheke worth 450,000 dated march 2017, pero lahat po iyon ay tumalbog. madami po siya ipinangako hanggang sa umabot na po ng 2018 ay hindi parin niya naibabalik ang perang hiniram niya. ano po ba ang dapat kong gawin?

    • Mark A.V.D.

      Hi Atty,

      Blessed day!

      Gusto mo lang po sana ng advice regarding my existing loan in an individual person.

      I was issued a checks to him representing my obligations with him actually utang ito ng dalawa kong brother pero cheko ko ung ginamit ko for settlement since i was the refferor.

      Now ang prob is , nawalan sila ng work and hindi sila makabayad na sa utang nila na cheke ko ung gamit. Now wala naman po ako balak ito takbuhan pero gusto ko po sana ito bayaran na lang sa kanya ng unti unti.

      Total consolidated loan is P 174,000

      I can offer P 15,000 a month for settlement po ng utang ko.

      Ayoko po makulong at mademanda. Ano po kaya ang pwede kong gaweng hakbang para mabayadan ko po yung lender sa paraang kaya ko po. 🙁

      Tulungan niyo po ako atty. 🙁

  • Mai

    Good evening po.ask lng po may nareceive po kasi akong letter from prosecutor office ng paranaque indicating na nagviolate daw po ako ng pambansang batas blg22. Mga nov. Pa po ata nagfile ng complaint against me kaso now ko lng po nareceive ung letter. Anu po kaya pwede kong gawin?i didn’t receive any notice before regarding this.
    Thank you

    • Atty. James Biron

      Good evening, Mai. Please check your email

    • Oli

      Atty, naka pag issue po ako ng check sa private financing and bank, but because na tangal ako sa trabaho hnd ko na kaya bayaran ung mga susunod na payments. Nag try ako mag inform saknila bago ako hnf makabayad skanila 2 weeks bago mag fue date ako na hnd ko kaya bayaran na and nag request ako i extend ung terms to make my monthly lower. Or stop payment muna for 3 months to let me recover first but they denied my request. Now pag pinasok ba nila ung check at nag return, will i be held liable sa bp22 kht nag advise ako before pa na wag nila ipasok check muna? Also if paulit ulit nila pinasok ung check for ibat ibang months is that another count of case for bp22? May nabasa kasi ako na cae na may 12 counts sya ng bp22 case pano po ba un bininilang? Per check? Thanks

  • Florida C.

    Good day po Atty. ask ko lang po pano po ba gagawin ko. Nag apply po ako ng car loan payable in 5 years. Nag issue po ako ng checke at 2 payments na po diko na deposituhan kasi wala na po akong pambayad. Pano po magandang gawin. Thank u po

    • Atty. James Biron

      Good day, Florida. Please check your email

    • Ken P.

      Hello sir …yung husband ko po nakasuhan po ng bp22 ..nagpadala na po ng municipal trial n kailangan umaattend pero hindi po cya nagpunta anu po mangyayari iwawarrant of arrest po b cya..anu po ang dapat kung gawin …halos 10 taon n po nakalipas…noong po nakiusap kami n hulog hulog pero pumayag po cla hanggang po sa naghirap kami palipat lipat ng tirahan driver ang asawa ko ngayon kc po noong pinahkatiwalaan kami deleviry ng ukay ukay n bundle..2001 po yata yun…nakalipas pero halos milyon milyon po ang tinubo nila sa amin at pinilit po nila kami kumuha ng checke para daw magdelivry po uli cla …sa amin hanggang po yung mga items n ukay ukay nalulugi po kami hanggang ang balance po namin umabot 500k…plus hanggang po sa naging 300k plus n po …hindi po ako nabayad kc po wala n kami paninida lugi lugi n po kami…alam namn po ninyo kapag ukay ukay po kapag wala bago hindi bebenta …may laban p po b kami atty…depress n. Depress n po ako …sana kahit papanu matulungan ninyo kami.

  • MJ

    Gud am po attorney.pag my warrant of arrest ka po b issued february 2017 at nagapply po ako ng nbi clearnce ng april 2017 my record n po b un s nbi clrearance ko? Pls rply.tnx

  • Dave Alano

    Good day Atty.

    Thank you for this informative article! Really helped a struggling law student like me. :’)

  • Ernie

    Good day atty.

    Tanong ko ko lang po kung anu dapat gawin
    May nag issue po sa akin ng cheke closed account po 25k po..salamat

  • Cristina Joyce G.

    Hi po.ask ko lang po.may utang kmi s isang lending agency..ang utang namin ay 75k balik for 1yr ay 130k.nakabayad n po kami ng 138k.kzo 2yrs po nmin nabayaran un.kz naloko po kami ng travel agency dto n nag paalis sa asawa.ang kinuhang placement fee ay 65k.aang sinasahod nya lng po dun ay 20k.kya po d nmin na atubilihan ung monthly amortization nmin s lending.kya lumaki ng lumaki ang penalty.now my utang parin kming 80k s knila.eh d n nmin kayang bayaran..nkikipag usap n aq n tanggalin nlng nila ung penalty kz po sabi nila 4months nlng utang nmin.n my halagang 42k..ayaw po nilang pumayag at nanakot sila n mag sasampa sila ng kzong bp.22 estafa dhl my chequeng issue dun..ano po dpt kong gawin.ganung s loob ng 2yrs ng asawa q dun..wla po kming naipundar dhl nabaon kmi s utang s lending.

  • Julius a.

    Good day po!!
    May isinampa na po sa akin na kaso bp22 sa MTC and stafa sa RTC sa kasong 22 counts of bouncing check amount of 108,000 sa lending firm. Binabayaran ko na po ung 108,000 thru may boss pero ayaw nlang pumayag kc ang gusto nla ay 320,000 pinatungan nla may interest na daw.
    Ano po ba ang dapat kong gawin kc un lang po talaga ang pera ko.thanks po

  • Jake

    Good day po Atty. Biron, I hope you are well. I would like to seek for your legal advise. I just came from NBI to claim my clearance today and I was instructed to go to Quality Control. From there the lady I spoke with informed me that a case was filed against me prior to violation of BP22. To my understanding from her notes the said case was filed last Dec 7, 2016. I never receive any letter prior to the said case violating BP22 court hearing/summon or any information before this day. The lady told me that I have to coordinate with the RTC and make some arrangements to clear what is need. I’m clueless on this and would like to get your best advise and help.

    Thank you Atty.

  • yen

    hi atty.

    i got a loan from a lending and i received 2 notice of dishonor last year. however the collection agency went to my home and we agreed to have a compromise agreement. i thought that should be ok now. i made same lapses on payments but i see to it to pay the unsettled bill as soon as i have an ample money. then now i received a court order stating that no one received the arraignment letter and i have a bail to pay. truly, i dont received any letter from them. it also shows that my case will be put into archive until i put a reinstatement in case of apprehension. what would be the steps that i need to do? should i contact the lending company first to ask why the case has been pushed through or go directly to the court? can this still be dismissed?

    thank you and more power.

  • Anonymous

    Good am po.Atty ask ko lamg po,nag issue po ako ng 71900 na cheke para sa bayad sa supplier ko ng bigas,pero nagbounce dhil bigla kami nagkaproblema ng asawa ko bumagsak ang negosyo namin at naka aksidente kmi sa kalsada.Walang wala na po kami,nakikiusap po kami sa supplier namin na baka pwede na magbayad kami pa unti unti dhil bagsak na bagsak kami.ayaw nya po pumayag,nagbigay sya ng due date pero wala po kami maiibayad tlga na full payment,sabi nya kakasuhan daw nya kami.Makukulong po ba ako pag kinasuhan nya kami

  • Mican

    Hi good evening sir! Tanong lang po kasi yung tito ko is nang hiram ng pera then nag issue ng mga checke in repayment for 1 year then lahat nag bounce amounting to more or less 1million in total. pano kaya magandang mangyare para mabawi yung pera kasi obviously they have the means to repay kakabili nga lang ng mercedes benz!! Baka iniisip kasi na dahil kamag anak naman e iddisregard na nila yung pag bayad ng pera na hiniram nila. advise lang sir ano pwede gawin kasi bakausap na namin sila e matigas pa sa bato na parang walang nangyare. ngayon we are willing to make legal actions against them already.

    Thanks

  • Ren

    Hi sir,

    May tumawag po sa akin sa dati ko na naloan from private lenders and I have 4 post dated checks na ngbounce with a total of 24k. Ngaun tumawag cla sa mga reference ko saying na kpag d ako umattend ng hearing eh warrant of arrest na sunod. And they even saying na may 1st hearing na kami at d ako nakaatend. Pero in fact sir wala nman ako letter na nareceive na may hearing na pala ko. And they even saying na masisira daw ako dhil magkakaroon ako ng record sa nbi. Should i wait for the summon? Please advise. Thanks

  • Eva

    Hello po. Dito po ako sa HK ngayon nag wo work. May BP 22 case po ako sa pinas kasi yung first amo ko is minaltrato po ako at nawalan po ako ng trabaho. Nag one year na po yung utang ko sa lending. Yung nakuha ko na pera sa lending pinambayad ko po yun sa agency pero yung nanay ko po nag aatend po sya palagi sa hearing sa court. Ngayon po balak kong mag work sa spain at kelangan kong kumuha ng nbi clearance. Magkakaroon po ba ako ng record sa nbi clearance ko?, on going pa po yung bp22 case ko sa court. Salamat po sa pagsagot

  • Cheery T.

    Gudpm atty…tanong q lg po kac ung husband q nag comaker sa sister q sa lending company tpoz laging late ung payment tuamaas na yong interest tpos minsan ung binabayad namin sa interset na pumupunta tpoz nung nbayran na nmin ung principal nd na ya binayaran ngaun denimanda sya my noyice of arraibnment na ung husband q tpoz violation of bpp 22 daw eh my 2 payment daw kmi na binayran na gmit ung checke na closed account wala nmn kmi naishong cheke cash nmn bnabyad nmin sa kanila at bakit ung kapatid q ang dinimanda nla co maker lg nmn sya bat nd ung kapatid q.ung arraignment sa aug 2 tpoz pinapasa kmi ng affidavit eh wala dgo ang husband q anu po ba dapt gawin atty?…pls reply…tnx

  • Teresita d.

    Gud am po. Tanung ko lng po kng may bail po ang bp 22

  • Harry

    Good day. Ask ko lang po may cash loan po ako with one of the banks in the philippines. And i believe i was not able to pay my monthly due already. And know i need to get NBI Clearance. I just wanted to ask my record na po ba yun ,? Is that a criminal decord already? Since before i received several mails from courts.
    Thank you

  • RJ M.

    Hi Atty Biron,

    I would like to seek professional help from you. How do I contact you?

    Thank you.

  • RM

    Hello Atty,

    Need your help please.

    I had loans with a lending company back in 2010 and had pending obligations.

    I aplied for NBI clearance montha ago and had a hit and since then I have not checked what the hit was. It could be the bouncing checks I had used.

    Questions-Can I go directly to the lending company and settle it? Or will they refer me to the collections company or to the court?

    I am lost on how to proceed as I badly need the NBI clearance for a job offer.

    Thank you in advance.

  • Manuel N.

    Good Day Atty,

    May previous unsettled ako na credit card, tapos may cash loan din po ako sa bank, gusto ko po sana masettle for fartial payment patulong naman atty. at kung magkano service charge nyo po. pls reply asap

  • Reynante

    Hi Atty. James Biron, greetings po and praying you’re in the best of health. I was granted a bank loan last 2008 where the same bank provided me with checks as guarantee for my loan. I was a good payee and same bank offered me another loan when I reached half-way of my total obligations. I signed another set of checks for the new loan but later failed to pay after a few months. Recently the same bank has notified me that they will file a criminal case. Please advise me Atty. Thank you very much.

  • Reynante

    Atty., to add, the banks collection agent notified me that they will be filing criminal cases for BP22 and Estafa against me.

  • Marilyn

    Gud evening po atty. Need your help po please. Meron po kc akong unpaid credit card amounting to 200k pro original amt po is 120k dahil nagkaproblem po kami financially kaya d ko n rin po magawang makabayad ng minimum amt.due. Tapos po last june 2017 may 2mawag po s akin n taga nbi po n nagfile dw po ung credit card company ng case against me tapos po pinacoordinate po nya ako s assigned lawyer pra makapag-issue dw po ng TRO. Then sabi po ng lawyer kelangan ko rw po mag-issue ng cheke amounting to 150k dated june 19 pra po makapag-issue po sya ng TRO dahil un lng po in-approve ng bank. Medyo mabilis po ang mga pangyayari at dahil n rin po s takot na makasuhan po ako nag-issue po ako ng cheke. Nahirapan po talaga ako makapag-produce ng 150k kaya po nakiusap po ako ng 2 beses n ipahold ang cheke pro nagpartial po ako ng una po 30k then 10k po pra raw po mai-hold. Tapos po nanghingi po ulit ung lawyer ng another check amounting to 110k dated july 15 po. Ayoko na po sana talaga sanang mag-issue ng cheke dahil nahi2rapan po talaga akong makahanap ng ganong halaga ng bglaan pro ayaw po nila pumayag n mag-staggered nlng po ako. Tapos po today nakiusap po ako kanina na kung pwede po muna i-hold ung cheke at nagsabi po ako na sisikapin pong makabayad bukas ng kahit po 30k. Ang buong akala ko po ok na at pumayag po sya. Tapos po tumawag po ung lawyer bago po mag-3 pm pra po inform ako na pinasok daw po nya ang cheke n 110k at pag nag-returned dw po un e ipapasok nya rin daw po ung 150k Inamin ko naman po sa kanya na wla p pong laman checking acct. Pro tinuloy nya pa rin po pagpasok. Bakit po ganun atty. Kelangan po bang lalo pa pong ibaon ang taong lubog na lubog na po? Parang wala po syang puso. Then tinawagan po ako ng bank ng bandang 5 pm na may pumasok nga raw po na 110k na cheke na naging dahilan po pra po ma-close ang account ko. Nakikipagcoordinate naman po ako sa kanila pro bakit ganun po atty parang wla po clang awa. Magpafile na po ba cla agad ng bp22 case sa akin bukas? Hindi ko na po alam ang gagawin ko atty. Dahil malamang po na mawalan po ako ng trabaho na tangi po naming inaasahan. Sana po matulungan po ninyo ako atty. Salamat po

  • Malou

    Good day atty. My concern lang po ako sa inyo ngka utang.po kami sa lending 30k good for six month po ang pagbayad nmin ngbayad po kami ng jun july august na stop po kami ng sept oct and nov then after po ngbayad na po kami ulit last month po hindi pa po ako naka hulog ng payment po ngayon palang sana pero ng text ang lending sa amin na mg file na daw po sila ngayon ng kaso bp22 kelangan daw po namin mgbayad ng attorneys fee sa halagang 15k ano po ang maaring gawin atty. Willing nman po kami mgbyad monthly hanggang matapos nmin ang balanse nmin na dedelay lang po dahil isa pong ofw ang asawa ko hindi agad basta basta makahulog ng pera lalo na pag nasa trabaho. Salamat po..sana matulungan nyo po ako. 🙂

  • Jardine

    Hi Atty.

    May BP22 case po ako Atty sa MTC and estafa naman sa RTC. Balak ko sanang kumuhan g NBI clearance for a job offer
    pero natatakot po ako baka bigla po akong damputin ng NBI. Yung BP 22 case ko po Atty. my schedule hearing pa, yung estafa my counter-affidavit na po akong sinabmit sa prosecutor’s office.
    Tanong ko lang po Atty., kung may bad record na po ba ako sa NBI? Natatakot na kasi akong kumuha.

    Thank you po in advance.

  • Jardine

    Another thing Atty.

    Pwede po bang mag file ng case sa court kahit hindi pa pinadalhan ng demand letter ang issuer?

    Salamat sa advice po.

  • Liza

    Magandang araw po sa inyo Atty.
    Gusto ko sana humingi ng payong legal s inyo tungkol sa kaso ng asawa ko umattend po ako ng hearing nung march 2017 sa court dahil wala po cia ako po ngrepresent sa kanya tinanong po ako ng Judge kung nasaan pi ang asawa ko sinabi ko po na wala siya s pilipinas ngwowork po sa ibang bansa ng bigay po ng pending warrant of arrest ung judge para sa asawa ko ang sabi po ng judge pag hindi dw po kmi nakipag settle maaring arestuhin cia pag uwi pagdating s airport. gusto ko po malaman n posible po b na arestuhin cia s airport Atty. Gusto ko din po malaman kung pede ko po ba asikasuhin ung piyansa nia at pano po ang proseso ng pagpiyansa. Maraming salamat po sa inyo attorne kung mabibigyan nyo pi ng kasaguran ang mga tanong ko ….God Bless po.

  • Roselle

    Good morning po atty. hihingi po sana ako ng advice May nag-issue po kasi sa akin ng checks na tumalbog. Dati po kasi akong may carwarsh, ibinenta ko po ito kay RONILO BAYLON for 200k, wala po kaming kasulatan pero nag-issue sya ng checks. Yun pong 80k ay binayaran nya ng cash at 120k ay checks. Tumalbog po lahat. Lumapit po ako sa isang paralegal company, nagpadala kami notice kay Ronilo about sa utang at nireceive nya po ang notice. Magfafile po kmi ng estafa at bp22. Ilang taon po ba ang maximum na dapat makapagfile? Medyo magastos po kasi. Pag po nag-bail sya pano pa po ako makakasingil? May mga susunod na steps pa po ba? Pag po nadedisyonan ang kaso at napatunayan na nagkasala sya, pwede po bang magbail lang sya ulit tapos hindi pa din magbayad? Maraming salamat po

  • Romeo

    Sir good day po.

    Hingi sana po ako ng advice about sa loan ko. Naka loan po ako sa isang leanding company last year ang payment ko po ay December last year pero Naka pag 1st payment po ako ng January na then last January na a accidente po ang anak ko so di po ako naka bayad ng February kasi na gastos ko po sa hospital bill ng anak ko at sa kasamaang palad last March po natangal po ako sa work ko. simula noon dinako Naka bayad sa lending company hangang ngaun jobless po ako hirap talaga akung maka hanap ng pambayad kasi po paminsan minsan lang po ako nakaka hanap ngmapagkakitaan tapos kulang pa sa pamilya ko pero ngaung October po makakabalik po ako sa abroad Kaya po nangangako ako sa lending company Kung pwede November ako mag start uli mag bayad pero ayaw nila pimayag kasi na file na daw po kaso sa court at my kaso na ako na bp22/stafa at dinako makaka kuha ng nbi clearance. anu po Kaya magandang gawin salamat po sa advice in advance.

  • Ric

    Mgandang araw po atty.nagloan po ako sa lending.ok po yung payment ko sa una at nung ngrenew po ako dun ako ngka problema.yung mga naisyu ko check po ay hindi ko napondhan.nakasuhan po ako at ngyn po on trial na.atty ang gusto ko po sana ayusin na mabayaran yung utang ko.ang kaso po sobrang laki na ng interst.ano po ang pinakmgnda kong ggawin.sa hearing po represented po ako ng PAO.gusto ko po sanang humingi ng tulong sayo atty.mrming slmt po

  • Ederlyn

    Good eve po atty..tanong ko lang po..my kaibigan po ako n nag garantor sa lending…ngayon po pinadalhan po cia ng leter galing RTC..nag punta po sila para isettle na…tanong ko lang po kung my record po ba ang gnun s NBI kung isesetle po yung payment..

  • Tipster

    Hi atty! Consult ko lang po un case ko. Un partner ko po ay kinausap un isa kong friend para magloan s isang tao using my friend’s name. Pmayag naman po un friend ko at ngissue ng pdc un partner ko sa friend ko for the total amount of the loan. Un chek na yun ay walang date at payee. That was more than 5yrs ago. Just last yr, ngfile po s bgy un friend ko asking me to pay the whole amount of the chek. Pls.note po na dalawa kami ng partner ko na nkapirma s chek at un chek na yun ay walang date at payee, pirma lang namin dalawa ang meron. Nun pnresent s bgy un chek ay may date na at may payee na. Ang sabi nya sinisingil na sya nung inutangan ng pera kaya sinisingil nya na kami. Wala na po kami nun partner ko ngayon. Nagoffer po ako na bayaran every month. Pero un share ko lang which is half. Ayaw nya po pumayag. Natapos kami s bgy ng walang resolution. Ngayon po may nagsabi sakin na magfile daw sya ng case for estafa. Hindi n small claims. Un amt ng chek is more or less 40k. Ang tanong ko po, valid ba un chek if sya lang ang naglagay ng date, name at amount? Iaaprove po b ng court un estafa case? Salamat po.

  • Mark

    Hello Atty.

    need your advice po i had loans po sa bank and almost 1yr & 6 months nmn po ako nakakabayad sad to say po nawalan po ako ng work paano na po mang yayare saaekn kung d ko po ma pondohan yung checking account ko po,

    thanks

  • Check C.

    Good day po Atty.,
    May mga PDCs po kasi kami na inissue to two different banks for monthly payment ng loans. Ung is a is payable in 12mos and the other is payable in 24mos. Bale meron pa pa po kami na tig-6 months na natitira na need bayaran for both loans.
    Ang problem po namin ngaun is wala na po kami capacity to pay or pondohan ung checking account since nalugi na po ung maliit na business namin kaya for sure magbounce na po lahat ung mga succeeding PDCs na naissue namin.
    Ano pong magandang gawin namin? Tama po ba na ipaclose na lang namin ung checking account namin sa bank or antayin na lang namin na magdue ung mga PDCs?
    Hope you can give us some good advice..
    Thank you po and more power.

  • Jovie

    Hi, gud Pm po atty.
    Question lang po, nag padala po ng sulat ung office of the prosecutor sakin regarding dun sa complaint against me sa lending company na hnd ko na nababayaran. nakalagay po dun ung “Revised rules on criminal procedure rule 112 secs. 1 and 8” Bail is not required. Maaaresto po ba ko dito agad agad? Totoo po ba ito. pede ko po sa inyo isend yung copy to make sure this is legal.

    Natatakot po ako makulong regarding dun sa utang ko, worth 64k ung dinedeclare pa nila na balance ko sa cheke na nag bounce na inissue so kanila, whick close na po ung checking account ko. Need po your comments regarding this at kung ano po ang kelangan kong gawin.

  • RCH

    Sir good day. Nakita ko me mga recent answers po kayo. Kaya mag ask n ako bka sakali lng. Meron akong cc debts 2 banks 40k and 20k wayback 2014 di ko nabayaran due to financial problem nag ballooned na sya na malaking interest rates. My question po is.

    1. Ung wife ko is paalis for a training trip aborad ma hold ba sya sa airport? Me emails kasi saakin na ang credit collection na conjugal daw ang debts at mag file sila nh case for both of us. At hindi raw kami mka travel outside the country stress po ako.

    2. I intend to pay na. Is it okay po ba na sa collection company ako nag settle? Whats the best way to pay?

    3. In my part talagang i ignore the emails and calls ng collection agency kasi wala pa ako pampabayd now na me work na ulit ako i can pay na gradually. Grounds po ba ung deliberatley ignoring the txt emails and notices nila to file a case para saakin.. pls help and advise po. Ayaw ko na ng ganito.

    Regards
    RCH

  • RH

    good day po!may caso po akong bp 22 at nareceive na orser of warrant of arrest pwede po bang bayaran ko ung bail bago po maiserve sa akin ang warrant of arrest.nakuha ko po ang order last friday Oct. 13 2017
    thank you po

  • Rain

    good day Atty biron,
    Just want to seek legal advice from you since i can sense that you can help me with these. My friend got into a debt . A 10% interest rate debt . She was forced and harrased to issue a check to update her current account . And up to this day it has gone up to more than doubled the sum of the principal . She has asked for considerations and stuff but the lender just keeps compounding the interest takimg advantage of the situation . And now my friend has no way of paying it all the more bec of that act. There is no way she can pay now that it has entered in a 7 digit phase . She did issued a check for that amount also just to keep the lender from barking not knowing this might bite her in the end . The lender must’ve known this for he is the one who reffered the bank om where to open . It was just opened … Meaning minimum initial deposit and thats it . Never been used for another transactions . And they got no sort of some written agreement too . Only thing that worries her is the checks … Now i was happy to inform her that she could not be sued for estafa. However when i found out about this bouncing check laws . That caught my attention . Can you pls advise on what to do best . The lender is threatening to sue . How can she defend herself or at the very least just pay off the original principal . PS . We tried talking to the lender about that matter and lender is adamant not to and pursue with his calculation . We got a copy of his calculation and its a complete rip off.

  • LRB

    Hello Atty,

    I have an outstanding balance from a Lending Company amounting to P9,356.00. I issued a PDC for this way back September 2015. I was bale to pay PHP 18,000 plus. Can I be sued for estafa and BP22? And if so, how much would the bail be? I am worried as I am financially struggling.

    Hoping for your reply.

  • Lene

    Good evening po atty.ask ko lang po kung pwede po ba akong idemanda kung ang mga innissue kong check ay tumalbog dahil tinakasan ako ng taong umutang sa akin.at pwede po ba ako idemanda kahit bounced check lang ang hawak nila at wala naman akong pinirmahan na kahit na ano sa kanila maliban lang sa check na inissue ko

  • Japhy B.

    Hi Good day po atty.. ask ko lang po.. may lending firm po ako na nautangan at nag issue po ako ng tseke ang inutang ko po ay 20,000 pesos nakailan hulog din po ako..tpos nagresign po ako sa work ko dhil na stroke father ko.. tpos after a year may pmupunta na collector sa bahay..tinuloy ko po pagbayad dun after 4 months wala ng collector pmupunta s hauz.. kaya di po ako nakapagbayad ng balance.. after 3 months may sulat po na galing daw sa korte na mag issue n daw ng warrant of arrest.. sulat lang pinadala parang feeling ko gawa gawa lang.. at may judge na nakapirma.. pero nung tsinek ko ang name ng judge sa court ng qc wala naman ganung name.. ano po ba dapat kong gawin? Salamat po

  • Laine

    Hi Atty,

    Good Day!

    I discovered when I was interviewed for nbi quality control that there was a BP 22 case filed againts me in Makati MTC last June 2011. I did not received any subpoena or notice about the case because I moved out of that address and reside temporarily in the province. NBI asked me to go to MTC to settle the case but they did not inform me who filed the case againts me. I am scared to go to MTC because I am afraid that I will be arrested. I don’t know if I have any warrant of arrest since I am no longer living in the same residence since year 2010. Is the case still pending or ongoing even after 6 years without any hearing? If I go to Makati MTC, will they inform me who filed the case and will I be arrested? Can i still settle this with the one who filed a case againts me? I am sorry as I am not knowledgeable in this matter. How should I resolve this? Will I be put in jail because of this? Please help me. I feel so stressed because of this. Looking forward to your advise.

  • Ardee

    Good eve atty.
    May case po husband ko bp 22 .ngkaroon po ng compromise agreement but unfortunately hindi po sya nakasunod.sa pagkakaintindi po nmin sa agreement na mgkkaroon ng writ of execution kapag hindi nkatupad? Tanong ko po? Magkakaroon din po ba ng warrant of arrest? Makukulong din po ba sya? Thanks po sa pg reply

  • Lyzel

    Hi Atty,
    I would like to ask about my situation, I am an OFW. Nung first timer po aq sa hk nag apply pinag apply po kame ng agency sa isang lending company para makabayad sa kanila ng plaxement fee. I expense 130k all in all sa agency na yun, placement fee was 80k, other 50k consume for my traning fee, processing fee, airtickets,board and lodging and other expenses. Nasa cebu po aq that time nong process nila ang papers ko at need ko lumuwas ng manila para sa mga trainings and etc. The loan was applied at cebu branch. And the bank cheque aswell. But the cheque i applied at BDO I didn’t handle it. The agency hold it until manila and the day that I’m going to process the loan in their main branch. When we process the loan i just hold the money worth of 80k on the bank and handed it at the sane time to the agency personel. I don’t have any idea that time, yun din po yong una kong pag apply ng cheque. When i started working in hk di po naging maganda as i was been maltreatment of my employer’s inlaws na nka stay sa bahay nila.. i contacted my agency about it and they say that they will talk to my employer. But then on palage p din nangyayare. After two weeks i decided to terminate my contract. Pumunta aq sa phil consulate dito sa hk pra mag pa legal advice regarding sa expenses ko sa agency. I did file a case dahil wala pla placement fee talaga.. the case was file but they said i need to stay in the phil to pursue the case at mabawi lahat ng ginastos ko at pati nrin na loan ko. Pero dahil nghanap aq ng panibagong employer di ko na inabot pa ang 3months nag karoon na lng kme ng agreement na sila na bahala sa loan ko. Right then di ko na inisip na may utang ako.. after 6 months of the employment i got pregnant at kelangan ko umuwe ng pinas it was 2011.. the lending company was very silent so i thought that the agency repay them. I was been employed again 2013 sa hk. Then last year someone send me a message from the lending company through my personal number dito sa hk. They are asking me to pay my loan and i told them that i already file a case to the agency regarding the loan pero nauwe s agreement na sila na bahala sa loan ko. After that conversation wala na sila message until then they message my sister which she is my co-borrower, the harassing her to pay the loan. They said they gave the letter of dishonor personally in my sister. They attached the copy of the letter but the received section signed was different from my sister’s normal sign. Now they sue my sister filling the case of bp22, but she’s not the one who borrow the money it was me. Ngayon po galit na galit kapatid ko dahil sa case na bp

  • Lyzel

    Hi Atty,
    I would like to ask about my situation, I am an OFW. Nung first timer po aq sa hk pinag apply po kame ng agency sa isang lending company para makabayad sa kanila ng placement fee. I expense 130k all in all sa agency na yun, placement fee was 80k, other 50k consume for my traning fee, processing fee, airtickets,board and lodging and other expenses. Nasa cebu po aq that time nong process nila ang papers ko at need ko lumuwas ng manila para sa mga trainings and etc. The loan was applied at cebu branch. And the bank cheque aswell. But the cheque i applied at BDO I didn’t handle it. The agency hold it until manila and the day that I’m going to process the loan in their main branch. When we process the loan i just hold the money worth of 80k on the bank and handed it at the same time to the agency personel. I don’t have any idea that time, yun din po yong una kong pag apply ng cheque. When i started working in hk di po naging maganda as i was been maltreated of my employer’s inlaws na nka stay sa bahay nila.. i contacted my agency about it and they say that they will talk to my employer. But then on palage p din nangyayare. After two weeks i decided to terminate my contract. Pumunta aq sa phil consulate dito sa hk pra mag pa legal advice regarding sa expenses ko sa agency. I did file a case dahil wala pla placement fee talaga.. the case was file but they said i need to stay in the phil to pursue the case at mabawi lahat ng ginastos ko at pati nrin na loan ko. Pero dahil nghanap aq ng panibagong employer di ko na inabot pa ang 3months nag karoon na lng kme ng agreement nang agency na sila na bahala sa loan ko. Right then di ko na inisip na may utang ako.. after 6 months of the new employment i got pregnant at kelangan ko umuwe ng pinas it was 2011.. the lending company was very silent so i thought that the agency repay them. I was been employed again 2013 sa hk. Then last year someone send me a message from the lending company through my personal number dito sa hk. They are asking me to pay my loan and i told them that i already file a case to the agency regarding the loan pero nauwe s agreement na sila na bahala sa loan ko. After that conversation wala na sila message until then they message my sister which she is my co-borrower, they harassing her to pay the loan. They said they gave the letter of dishonor personally in my sister. They attached the copy of the letter but the received section signed was different from my sister’s normal sign. Now they sue my sister filling the case of bp22, but she’s not the one who borrow the money it was me. Ngayon po galit na galit kapatid ko dahil sa case na bp22 sa kanya po ikinaso dahil po co-borrower ko sya. Anu po mai aadvise nio sa amin? The case was already filled and the first hearing is may 8, 2018.
    Maraming salamat po.
    Looking for immediate reply..

    Thanks and more power?

  • mnflr

    Good day attorney,

    I am working in a Lending Company a Corporation………. last June 7, 2016, they executed a board resolution and secretary’s certificate to appoint me as representative to file a case of BP#22 against one of our client. after the preliminary investigation, it resolves that the graveman is guilty of the offence charged and he should be liable for BP#22,, and then I go through arraignment, mediation and pre-trial stages,, my counsel for the case is the public the prosecutor, and then the defense lawyer look for the violation and technicalities of our company in BIR, I went through trials stages, I testified as main witness in front of the court,, then one time the public prosecutor told us to withdraw the case of BP#22, because according to the public prosecutor the defense lawyer offered a settlement that the accused has nothing to pay to the private complainant and they will not ask the BIR to file a case against us,,, at iuurong daw po nila lahat ng case na nakaabang sa abang,, at kinausap kami ng public prosecutor na iurong daw po nakin ang dimenda at pakawalan nalang ung utang kasi halos makbayad naman na daw po,, kasi po attorney, ung nangutang na iyon ay may naging balance pa sa amin, may remaining obligation pasiya, at iyun po ay tumubo ng interest na mahigit isa’t kalahating taon kaya umabot nang ganung halaga,, at bilang kabayaran po sa kanayang natirang utang sya PO AY NAG ISSUE nang checke na kabayaran para doon,, tanong ko lang po makakaapekto po ba ang mga violations and technicalities ng company namin sa case na naifile namin sa akusado, tapos ttakutin kami ng defense lawyer nia na iurong daw namin ang case para dw po hindi sila magfile sa BIR, its because I have Judicial admission during trial,,, dahil tinanong nia ako regarding doon sa mga technicalities namin and violations,, tama po ba ung decision namin na sundi ung public prosecutor na iurong nalang ang kaso??

  • LEN

    Hi atty. Good day. I went to nbi for my clearance but may case daw po filed against me for bp 22. i had a loan back in 2014 but a lot of things happened. i was coordinating with them back then i was paying cash and they have me sign some papers kasi closed na yung checking account. I cannot recall anymore but sa pagkakaalam ko isa syang payment arrangement namin na mag oover the counter na ako. then something. I was not able to pay until this 2018 i found out may pending case naka file that I am not aware of. I have not received any notice kasi i transferred to another place but yung address na ginamit ko is my parents address. wala naman sila binigay sakin na kahit anong sulat. what should i do right now? kindly advise. Thank you

  • Ellinor C.

    Sir please help me po. Yung papa ko po kasi ay kakasuhan ng may ari ng inuupahan nilang bahay kasi po nagkasakit siya and hindi na napondohan yung cheke na naissue niya ng post dated. Pero inabisuhan naman po namin sila paano po kailangan ko gawin sir na stroke na po ang papa ko and hindi na po talaga siya makakabayad. Please email me po

  • VICTOR V. F.

    Hi Atty Biron,

    I would like to seek professional help from you. How do I contact you?

    Thank you.

  • VICTOR V. F.

    Hi Atty.

    Please advice me po bale nagloan po ako sa bank 490k for my business nag issue po ako ng 24 PDC kaso nagkaproblema po ako sa mga payables ko at bumagsak yung business namin. bale nag bounce po yung checks ko due to insufficient funds, the bank keep on calling and texting me to settle it and they gave 15 days to settle all the bounce checks. kaso atty. walang wala na po kasi akong pera. they told me thru txt na they will file a estafa case against me po pag di ko nasettle sa araw na binigay po nila. ano po gagawin ko atty makukulong po ba ako atty? please help me po kung anong gagawin ko po.

    Thanks.

  • Gud morning po Atty. Paki payuhan po ako last 2mnths po umutang kami ng 50,000 may tubo po na 15percent tapos po humingi po sya pdc sa nag garrantor samin.dahil po sa naloko po kami nung ka negosyo po namin naka pag abot lang po kami sa kanya ng 14,00 kasama po ung tubo na 15 percent ngaun po nakiusap po kami na ung natitirang balanse po na 37k ay tubuan nlng po ulit ng dalawang bwan.kaso po ayaw po nya ibalik ung unang checke para po mapalitan ng mas mababang amount at para po sa panibagong dalawang bwan na usapan ang gusto po nya bukod po sa cheke na hawak nya ay kunin din po motor namin. Tapos po di po namin binigay motor kc po ayaw nya palitan cheke.tinatakot po nya garrantor ko na pag di daw po kami nag abot ng 10k mahigit e ipapasok daw po nya ung lumang cheke na halagang 57k ngayon po natatakot po ung garantor ko .diba po dapat po after two months pa po nya kami ulit singilin kc po nabigay nanamin ung tubo.kapos na kapos po kami ngaun ung ipambabayad po sana namin sa upa ng bahy gisto po nya sa kanya na muna ibigay e mapapalayas napo kami s bahay tapos po kada 15 days po dapat daw po mag abot kmi ulit ng 10k mahigit ano po dapat namin gawin? E dalawang bwan namn po usapan namin at kasama po interes.

  • Good morning po Atty.last two months po nangutang po kami ng 50k nag garrantor po ung kaibigan namin nag issue po sya ng cheke kc po un po ung hinihingi ng kaibigan nya na nagpapautang pdc po inisue nya tapos po nakapaghulog napo kmi ng 14k after two months po naloko po kami ng kasyo syo namin sa negosyo kaya nakiusp po kami na ung 15 percent na tubo lang po muna mabibigay namin tapos po ung nattitirang amount po na 37k ay tubuan nlng po ulit ng bale after two months po ulit un me 15 percent po ulit na tubo.kaso po sabi po namin nung inabot po namin ung tubo para po sa luma sabi po namin kunin po namin ung lumang cheke na me amount na 57k papalitan po namin ng bago na me amouth po na 37k at ung tubo ulit.kaso po ayaw po nya ibigay at gusto po nya kunin po or cr ng motor namin pati po motor kukunin nya bale dalawa napo hawak nya pdc at motor .dipo kami pumayag kc ngapo ayaw nya pabago ung amount ng lumang cheke nung dipo kami pumayag sa motor sabi po nya pag dipo kami nag abot after 15 days ng 10k ipapasok po nya cheke papa talbugin daw po nya .e bakit po nya ipapasok e pumayag po sya na panibagong tubo ulit at after two monrhs po ulit ang due.e walng wala po kami ngayon ung darating na pera po namin pambabayad po namin ng bahay kc po two months napo kulang namin mapapa alis po kami pag inuna sya e naawa namn po ako sa garantor ko kc po natatakot po sya na tumalbog at makasuhan sya at may mga na issuehan din po sya ng cheke nya.kung unahin po namin sya mapapalayas po kami sa bahy wala pa po kmi sapat na pera pang lipat at i hohold po nla mga gamit namin ano po dapat namin gawin naiabot namn po namin ung dapat na makuha nya sya po ayaw palitan cheke wala po kami patunay na nakapag abot napo kami ng tubo at ung 14 k na kabawasan po sa 50.pls po advice mopo kami willing nmn po kami magbayad kaso wala pa po ung pera namin.

  • Nagkautang po kami ng 50k na may tubong 15percent in two month ung guarantor kopo nag issue ng pdc sa inutangan namin tapos po 14,250 lang po ang nahulog ko sa loob ng 2months kc po naloko kmi ng ka negosyo namin ginastos po nya ung singil namin.kaya Dinapo kami nakapag hulog pero nung pang 2months napo nakiusap po kami na tubo nalng muna ang ibigay at ung natitira ay tubuan nalng ulit ng two months.kaso po nung natubuan napo ayaw po nya na palitan namin ng bagong checke na mas may mababang amount at may due date po ulit ng after two months at gusto po nya ibigay pa namin or cr ng motor na may pirma kmi na iiwan po sa kanya.at gusto po nya kada 15 days ay magaabot kami ng 10,00 plus pag hindi daw po ay ipapasok nya sa bangko ung may 57k at last month po ung date na nakalagay.ngayon po natatakot po guarantor ko kc masisira pangalan at makukulong daw po sya ano po dapat namin gawin pinapalitan po namin cheke ng pangalan namin para kami nlng po kasuhan dahil kami namn po gumamit ng pera ayaw din po nya.sa ngayon po wala pa po kami mabibigay mapapa layas n ngapo kmi sa bahay mag apply palng po kami trabaho me ank po ako na 4 yrs old kaya hirap din po ako kumilos dahil wala po magaalaga sa kanya ano po dapat namin gawin para po di mapahamak guarantor ko willing namn po ako magbayad pero wala pa po talaga sa ngayon siba po dapat after 2 months po sya ulit maningil?

  • Al

    Hi Atty, just want to ask for legal advice. My husband had a loan from a lending company and issued PDCs as a manner of payment. But because of some on toward circumstances he failed to clear the remaining 3 checks and PD22 was filed against him. We settled it already a year ago paying the full amount with the 5k attorneys fees as agreed. just this year when my husband was already processing his paper we discovered that there was a pending case of BP22 against him because it reflected in his NBI clearance which we already clearly settled it with the lending institution. And when we are requesting for that lending company about such case they were asking us again payments for certain penalties which we haven’t agreed before. What do we need to do to clear my husband’s nbi clearance. We have the documents such as the statement of account stated we already paid such debt. And also the Acknowledgement receipt duly signed by the person in charge of our account. Thank you. Looking forward for your response. God bless!

  • Gia L.

    hello po atty.gud day po,.atty.i am a public school teacher po ,meron po kami inutangan na isang tao po ng pera.tapos po my nilapitan kaming isang agent po na kakilala po nya ang nagpapautang ng pera.,ang sabi po sa amin ng agent na kailangan po daw namin na mag open ng checking account kasi po yun ang kailangan para po marelease sa amin yung uutangin namin na pera worth 60k po,tapos sabi po ng agent na after daw poh marelease ang pera mag issue daw po kami ng PDC.,AND THEN PO sa 60thousand po na inutang ko nanghihingi po sya ng 10% commision nya dahil nga daw po sya ang nagdala sa amin dun sa financier,kaso po di po ako nakapagbayad atty.kasi nagkagipit po talaga,pinapatawag po ako sa barangay nung agent at pumupunta naman po ako kada tawag nila,kaso po nung friday nag usap kami sa barangay at sabi ng agent na kung di pa daw po ako magbabayad within this month po ay magfile na daw po sila ng case against sa akin na estafa daw poh at bp22..ano po gagawin ko atty.ayaw ko po makulong kawawa mga anak ko ako lng po bumubuhay sa kanila,.,kung mafile na po daw nila ang case against me ay ipapa aresto daw po nila agad ako,.maaari po ba talaga yang mangyari atty.?.pakisagot naman po atty.please,.Salamat po.

  • Sean

    Hi atty. I made a loan from a lending company last 2014. I issued several checks for the payment of the loan. I was able to manage to pay some of the checks, but unfortunately, my checking account closed. I immediately notified the party involved that my account was closed and I was remitting payment through BDO. I stopped making payments because of financial constraints and ad time goes by, I forgot that I still owed money to them. Now, I was advised that I have an existing case and had a warrant but never really received anything. I reached out to them via email but their respnses were vague. I only loaned 20k, I paid some of them and now they’re asking me to pay 67k. I’m willing to settle but I just need to know the best thing to do as I don’t want to be ripped off and be taken advantage of because they’re always threatening me of the case. I need some heavy advise please.

  • Cy

    Hi Atty. James,

    Please help! May unpaid loan ako sa 2 banks and nag- issued ako ng post dated check .Dun sa isang bank naka half ako ng pay at sa isang bank mga 6 months lang nabayad ko.

    Kumuha po ako NBI clearance at may HIT possible poba may pending case na naka file sakin? Wala naman po ako narereceive na sobpena sa work address ko.

    Thanks,
    Cy

  • Joanne M.S.

    Hi atty. Ask ko lang po, if may nagfile ng case for b.p 22. Usually gano po katagal process non and pano if yung nagissue ng cheke is lumipat na po ng ibang tirahan at d alam ung bago netong adress. Salamat po

  • Ann Z.

    Good day PO Atty. 7 years ago na stop Ang pag funds ko SA checks due to na unemployed ako. I went abroad but di ako sinwerte, unstable job ako ftrom 2911 to present. The collecting agency kept haunting me, makasuhan pa rin ba ako nang estafa (7 years ago na nagbounce). I think the remaining balance is an interest from capital na lng. Thank you PO jn advance SA reply

  • Ann Z.

    Good day PO Atty. 7 years na po Mula nang nagbounce check Ang bank loan, good pa PO sa simula and due to na unemployed ako di na nakaoagfund. The collecting agency kept haunting me. Can they put me to jail due to stafa kahit 7 years ago na Ang bounce check. Thank you PO in advance SA reply

  • Grace

    Good day po Atty. Biron, I hope you are well. I would like to seek for your legal advise. I just came from NBI to claim my clearance today and I was instructed to go to Quality Control. From there the man I spoke with informed me that a case was filed against me prior to violation of BP22. To my understanding from his notes the said case was filed last 2010. I never receive any letter prior to the said case violating BP22 court hearing/summon or any information before this day. The man told me that I have to coordinate with the RTC and make some arrangements to clear what is need. I’m clueless on this and would like to get your best advise and help.

  • Joan

    Hello po,

    Nagloan po ako ng 60,000 sa isang lending company, for 2 years, with monthly payment na 4300, due to financial hardship, naclosed ung checking account ko,ininform ko nmn sila and still paying the monthly dues, although ang mabigat may penalty ako lagi n 1500 dahil sa bounced na check na pinapasok pa din nila kahit notified na sila, nakiusap ako numerous times na ilipat ung due date ko ng 15 para sakto sa sahod ko, pero ayaw nila
    so on top of 4300 na binabayaran ko monthly nadagdagan ako ng 1500 bali 5800 binabayran ko sobrang bigat na po para sa isang single mom na tulad ko. nadelay ako ng ilang araw pero binigyan na nila ko ng notice of dishonour, nag babayad ako over the counter for many months na po notified sila na closed na ung account and all saklaw pa din po ba un ng BP22?

  • Annie

    Atty meron akong loan sa sterling bank year 2010 for 36months ung PDC galing sa mismong bangko at ang alam ko naka 7months lang ako na bayad. Ung kapatid ko nakaka tanggap ng mga demand letters. Ngayon gusto ko na isettle. From 40k na loan ko, nung tumawag ako 2013 umabot ng 90k at gusto ng law office one time payment. Hindi ko nabayaran. Ngayon 2019 gusto ko na isettle, pwede po ba ako makipag arrange sa kanila na parang pang amnesty? Kasi Kung one time payment hindi ko po kakayanin. Salamat po

  • Virgie

    gandang buhay.atty..last hiring ko po. case pbb 9 check.. hlagang 10500 bawat isa….ala. kong talo po ako sa kaso..kasi kunti lang yung hinulog ko na pera. ano po b ang magiging parusa ko..salamt po

  • Tony

    Need your assistance atty. About this lending company na Hindi na kame nakapagbayad 2 years ago pa un ,wlang notification walang letter Kung anung nangyare ung 30k na loan gusto nila ipabayad nang 50k.sa previous loan 2 beses Lang kame nakapagbayad due to financial issue s family. Makkulong BA kagad partner ko nun kapag d kame nakapagbayad nang 50k SA collector o may process nman muna. Panay court order Kasi ang text. Panay pananakot lage.

  • Anne

    Good day po Atty. Biron, I hope you are well. I would like to seek for your legal advise. I just came from NBI to claim my clearance today and I was instructed to go to Quality Control. From there the lady I spoke with informed me that a case was filed against me prior to violation of BP22. To my understanding from her notes the said case was filed last 2014. I never receive any letter prior to the said case violating BP22 court hearing/summon or any information before this day. The lady told me that I have to coordinate with the RTC and make some arrangements to clear what is need. I’m clueless on this and would like to get your best advise and help.

    Thank you Atty.

  • Anne

    Hi Atty Biron,

    Good afternoon. Kukuha po ako ng NBI pinababalik po ako since may kilala po tita ko dun pina check po, nakita po na may case ako bp 22 at may court of arrest pero wala naman po akong natatanggap na any letter. May chance parin po ba na ma dismiss ung kaso kahit di ako nakaka attend. 2014 daw po yung kaso. Salamat

  • Jennifer

    Good eve atty.

    Ask ko lng po yung pdc ba na not paid in full ay pwede ka sampahan ng bp 22?

  • Cel

    Year 2012 nag loan po kami sa isang lending company na 40k na ginamit ng asawa ko sa pag aabroad at tseke ang ginamit ng company as our way of payment, nakahulog na kami ng 3 mos and after that nastop dahil bumagsak negosyo namin at hindi na kami nakahulog ulit. Kukuha sana ako ng nbi kaso may hit un nbi ko na bp 22 so hindi ako nakakuha ng clearance, ano po kaya magandang gawin para ma-clear ako sa nbi?

  • Sue R.

    Hi Atty.

    Nakareceived po ako ng sub poena and will submit counter affidavit. Ask ko lang po ilang fays po bago lumabas ang resolution and pwede po bang mag post na ng bail bago po lumabas ang warrant? Thank you po sa pagreply.

  • Shenna F.

    Goodday po, nag payment arrangement po ako sa credit card, pinag issue po nila ako nag 60pcs pdc. Kaso nang nasa 21pcs lang nabayaran ko. Kasi nagka medical problem ako so indi ko nabayran na. Pina close ko yung account para indi na sila ka issue.. Pero mali pala ang ginawa ko.. Nag notify ako sa knila na close na ang account at dahil dun sinabi ko na mag over the counter ako kapalit nun is i pull out nila ang remaining pdc ko. Pero nag mamatigas sila kasi yun daw yung pinanghahawakan nila.. So, ngayun oct. 28 mag 3 bouncing check na ako. Kung indi pa din daw mabayaran ang 10800 na total amount sa 3 bouncing check ma close yung agreement at i bill full nila ako at ang 3rd party collection agency ang mangungulit sa akon.. Ang tanong ko po, possible po ba nga kakasuhan nila ako nang bp 22?salamat po. Tulunga. Nyo po ako please

  • Andi

    Atty, need your help po. May inissue po sakin 3 blank checks ang business partner ko dati kasi ako po amg nagfifinance with int. sa business niya. Usapan po nmin ako na daw po magsulat s cheke everytime may due siya. Nung papalitan ko na po yung cheke nalaman ko na hindi po sa knya yung cheke kundi sa kuya niya at nakiusap saken na wag na palitan yung cheke kasi wala fund. At nagpromise na bibigyan na lang ako ng cash sa ibang araw. Pero nung hindi tumupad sa usapan nagdecide pa rin ako na deposit ang cheke and closed acct na pala. Dahil hindi na rin nakakabayad ang kapatid niya na nagissue sa akin ng cheke dineposit ko at nilagyan ko ulit ng amount ang isang blank cheke nia at dineposit sa acct. Ko kahit aware na ako na hindi eto sa kanya para magamit ko sa pagfile ko na kaso sa kanya. Gusto ko lng po malaman if pwede ko ba isama sa kaso ang kuya niya na may ari ng blank cheques kahit hindi siya ang kausap ko sa business namin. And pwede rin ba ako kasuhan ng kuya niya dahil ako ang sumulat ng amount sa blank cheques nya. Salamat atty sana mahelp mo po ako. ?

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