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	<title>Comments on: Insolvency and Criminal Cases</title>
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	<link>http://attyatwork.com/insolvency-and-criminal-cases/</link>
	<description>The personal blog of Atty. Fred Pamaos</description>
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		<title>By: she</title>
		<link>http://attyatwork.com/insolvency-and-criminal-cases/comment-page-1/#comment-45910</link>
		<dc:creator>she</dc:creator>
		<pubDate>Fri, 11 May 2012 14:23:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.attyatwork.com/insolvency-and-criminal-cases/#comment-45910</guid>
		<description>atty,
    need your advise regarding sa case ng cousin ko bp22 last 2007,she lost her jod in hongkong the lending company forced me to pay the debts because i am the co maker,18 cheks worth 135t ,this time we pay already 108 t,when the court set for the hearing we cant attend bec no fare to go to manila so i decided to call the agency to pay the cheks para mabigyan ng desistance,tama ba ginawa ko?hindi cla magbigay ng soa this time hanging po kami magkano ang bal ng utang.time well come my cousin deported from hongkong expired documents,nagpunta cya sa nbi na hit cya dahil sa case nag ask ng court clearance ano ang gagawin namin sana matulungan mo po kami ano ba hakbang na gagawin?salamat po more power.</description>
		<content:encoded><![CDATA[<p>atty,<br />
    need your advise regarding sa case ng cousin ko bp22 last 2007,she lost her jod in hongkong the lending company forced me to pay the debts because i am the co maker,18 cheks worth 135t ,this time we pay already 108 t,when the court set for the hearing we cant attend bec no fare to go to manila so i decided to call the agency to pay the cheks para mabigyan ng desistance,tama ba ginawa ko?hindi cla magbigay ng soa this time hanging po kami magkano ang bal ng utang.time well come my cousin deported from hongkong expired documents,nagpunta cya sa nbi na hit cya dahil sa case nag ask ng court clearance ano ang gagawin namin sana matulungan mo po kami ano ba hakbang na gagawin?salamat po more power.</p>
<p> <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-45910" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('45910', 'add', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_');" title="" />&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-45910" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('45910', 'subtract', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_')" title="" /> <span id="karma-45910-total" >0</span></p>]]></content:encoded>
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		<title>By: ryzza</title>
		<link>http://attyatwork.com/insolvency-and-criminal-cases/comment-page-1/#comment-34452</link>
		<dc:creator>ryzza</dc:creator>
		<pubDate>Thu, 14 Apr 2011 00:41:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.attyatwork.com/insolvency-and-criminal-cases/#comment-34452</guid>
		<description>atty
 
Badly needed your legal advise, my parents have unpaid loans with 2 banks,now those two banks are  hunting down my parents stating they already filed criminal case against them, its actually not that they don&#039;t want to pay its just that inevitable circumstances occur thus temporarily lost track of the debt. I&#039;m just so worried  I don&#039;t want my parents imprisoned the only property we owned is a house and lot which i believe would cost like almost half a million, and I also don&#039;t have any idea how much they owe, what can we do?please help atty
thank you so much</description>
		<content:encoded><![CDATA[<p>atty</p>
<p>Badly needed your legal advise, my parents have unpaid loans with 2 banks,now those two banks are  hunting down my parents stating they already filed criminal case against them, its actually not that they don&#8217;t want to pay its just that inevitable circumstances occur thus temporarily lost track of the debt. I&#8217;m just so worried  I don&#8217;t want my parents imprisoned the only property we owned is a house and lot which i believe would cost like almost half a million, and I also don&#8217;t have any idea how much they owe, what can we do?please help atty<br />
thank you so much</p>
<p> <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-34452" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('34452', 'add', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_');" title="" />&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-34452" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('34452', 'subtract', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_')" title="" /> <span id="karma-34452-total" >0</span></p>]]></content:encoded>
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		<title>By: michelle millo</title>
		<link>http://attyatwork.com/insolvency-and-criminal-cases/comment-page-1/#comment-24757</link>
		<dc:creator>michelle millo</dc:creator>
		<pubDate>Thu, 04 Feb 2010 05:04:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.attyatwork.com/insolvency-and-criminal-cases/#comment-24757</guid>
		<description>hi atty. fred, 
just want to ask what is the meaning of article 1839 of the civil code of the philippines. it is about partnership dissolution and winding up.
thank you. ^^</description>
		<content:encoded><![CDATA[<p>hi atty. fred,<br />
just want to ask what is the meaning of article 1839 of the civil code of the philippines. it is about partnership dissolution and winding up.<br />
thank you. ^^</p>
<p> <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-24757" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('24757', 'add', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_');" title="" />&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-24757" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('24757', 'subtract', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_')" title="" /> <span id="karma-24757-total" >0</span></p>]]></content:encoded>
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		<title>By: meriam</title>
		<link>http://attyatwork.com/insolvency-and-criminal-cases/comment-page-1/#comment-16291</link>
		<dc:creator>meriam</dc:creator>
		<pubDate>Wed, 08 Oct 2008 14:24:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.attyatwork.com/insolvency-and-criminal-cases/#comment-16291</guid>
		<description>hi atty.. 
Just want to know kung paano gumawa nang corporate rehabilitation plan?</description>
		<content:encoded><![CDATA[<p>hi atty..<br />
Just want to know kung paano gumawa nang corporate rehabilitation plan?</p>
<p> <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-16291" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('16291', 'add', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_');" title="" />&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-16291" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('16291', 'subtract', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_')" title="" /> <span id="karma-16291-total" >0</span></p>]]></content:encoded>
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		<title>By: John</title>
		<link>http://attyatwork.com/insolvency-and-criminal-cases/comment-page-1/#comment-14227</link>
		<dc:creator>John</dc:creator>
		<pubDate>Thu, 31 Jul 2008 22:33:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.attyatwork.com/insolvency-and-criminal-cases/#comment-14227</guid>
		<description>Hi Atty, I have a loan abroad (Italy) and I was not able to pay it dahil nilayasan ko yong utang ko sa abroad at yong bank asking me to pay it thru a collection agency here in philippines and my question is, is it legal that a collection agency in the Phil. can collect or file a case against me?</description>
		<content:encoded><![CDATA[<p>Hi Atty, I have a loan abroad (Italy) and I was not able to pay it dahil nilayasan ko yong utang ko sa abroad at yong bank asking me to pay it thru a collection agency here in philippines and my question is, is it legal that a collection agency in the Phil. can collect or file a case against me?</p>
<p> <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-14227" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('14227', 'add', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_');" title="" />&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-14227" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('14227', 'subtract', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_')" title="" /> <span id="karma-14227-total" style="font-size:12px; color:#009933;">+1</span></p>]]></content:encoded>
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		<title>By: Agnes</title>
		<link>http://attyatwork.com/insolvency-and-criminal-cases/comment-page-1/#comment-7575</link>
		<dc:creator>Agnes</dc:creator>
		<pubDate>Wed, 14 Nov 2007 06:59:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.attyatwork.com/insolvency-and-criminal-cases/#comment-7575</guid>
		<description>Atty,

Please help.  We can no longer pay our store rent.  We are heavily in debt and would want to stop paying rent.  Can we close shop and leave the inventory as rent payment for the last couple of months?  We don&#039;t even have money to pull out the items.  We would want to be fair as well  but the longer we stay, the more debt we incur.  By next month, we will not have money for our own place and for my sister&#039;s tuition fee.

How would you suggest I proceed?
Thank you</description>
		<content:encoded><![CDATA[<p>Atty,</p>
<p>Please help.  We can no longer pay our store rent.  We are heavily in debt and would want to stop paying rent.  Can we close shop and leave the inventory as rent payment for the last couple of months?  We don&#8217;t even have money to pull out the items.  We would want to be fair as well  but the longer we stay, the more debt we incur.  By next month, we will not have money for our own place and for my sister&#8217;s tuition fee.</p>
<p>How would you suggest I proceed?<br />
Thank you</p>
<p> <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-7575" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('7575', 'add', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_');" title="" />&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-7575" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('7575', 'subtract', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_')" title="" /> <span id="karma-7575-total" >0</span></p>]]></content:encoded>
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		<title>By: rollen</title>
		<link>http://attyatwork.com/insolvency-and-criminal-cases/comment-page-1/#comment-5300</link>
		<dc:creator>rollen</dc:creator>
		<pubDate>Thu, 30 Aug 2007 07:21:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.attyatwork.com/insolvency-and-criminal-cases/#comment-5300</guid>
		<description>hi atty. good. please give me an advised. i loan at puregold finance last nov 2006 then last april i was resigned at my work due to some problem in my work. then they sue me for b.p. 22 because i was still not able to pay my balance. now they want me to settle it but still i dont have money to pay the balance because i still have no work. 
im willing to pay my balance but they want to file a case on me</description>
		<content:encoded><![CDATA[<p>hi atty. good. please give me an advised. i loan at puregold finance last nov 2006 then last april i was resigned at my work due to some problem in my work. then they sue me for b.p. 22 because i was still not able to pay my balance. now they want me to settle it but still i dont have money to pay the balance because i still have no work.<br />
im willing to pay my balance but they want to file a case on me</p>
<p> <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-5300" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('5300', 'add', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_');" title="" />&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-5300" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('5300', 'subtract', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_')" title="" /> <span id="karma-5300-total" style="font-size:12px; color:#990033;">-1</span></p>]]></content:encoded>
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		<title>By: jane</title>
		<link>http://attyatwork.com/insolvency-and-criminal-cases/comment-page-1/#comment-4959</link>
		<dc:creator>jane</dc:creator>
		<pubDate>Thu, 02 Aug 2007 01:11:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.attyatwork.com/insolvency-and-criminal-cases/#comment-4959</guid>
		<description>sorry for the typo errors guys!</description>
		<content:encoded><![CDATA[<p>sorry for the typo errors guys!</p>
<p> <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-4959" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('4959', 'add', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_');" title="" />&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-4959" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('4959', 'subtract', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_')" title="" /> <span id="karma-4959-total" >0</span></p>]]></content:encoded>
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		<title>By: jane</title>
		<link>http://attyatwork.com/insolvency-and-criminal-cases/comment-page-1/#comment-4958</link>
		<dc:creator>jane</dc:creator>
		<pubDate>Thu, 02 Aug 2007 01:09:24 +0000</pubDate>
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		<description>I had an outstanding ballance from a major credit card company here in the Philippines. I havent paid my bills for 5 months and they I got a mail from a collection agency and telling me to pay the balance if full plus the legal fees 10 days after upon the receipt of their demand letter. Upon getting the demand letter, I called the agency right away to make arrangment if i can pay through installment, the incharge told me i need to pay hafl of the amount in 10 days and he other half in 2 payments. I told the lady that I will just pay directly to the credit card company and i will contact them to make payment re-structure. the lady told me that I could no longer do that since  my cc company turned over my account to them, nor my cc company will ever send me billing statement. I then decided to just wait for their netx letter and will settle evrything in court so I could request for an easy payment scheme. I havent heared anything from the collection agency then, until I got a billing stateement form my cc company with an outstanding balance nearly 150% to its original amount.

do you have any idea what had happened to my account?</description>
		<content:encoded><![CDATA[<p>I had an outstanding ballance from a major credit card company here in the Philippines. I havent paid my bills for 5 months and they I got a mail from a collection agency and telling me to pay the balance if full plus the legal fees 10 days after upon the receipt of their demand letter. Upon getting the demand letter, I called the agency right away to make arrangment if i can pay through installment, the incharge told me i need to pay hafl of the amount in 10 days and he other half in 2 payments. I told the lady that I will just pay directly to the credit card company and i will contact them to make payment re-structure. the lady told me that I could no longer do that since  my cc company turned over my account to them, nor my cc company will ever send me billing statement. I then decided to just wait for their netx letter and will settle evrything in court so I could request for an easy payment scheme. I havent heared anything from the collection agency then, until I got a billing stateement form my cc company with an outstanding balance nearly 150% to its original amount.</p>
<p>do you have any idea what had happened to my account?</p>
<p> <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-4958" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('4958', 'add', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_');" title="" />&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-4958" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('4958', 'subtract', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_')" title="" /> <span id="karma-4958-total" style="font-size:12px; color:#990033;">-1</span></p>]]></content:encoded>
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		<title>By: Jeanne</title>
		<link>http://attyatwork.com/insolvency-and-criminal-cases/comment-page-1/#comment-4691</link>
		<dc:creator>Jeanne</dc:creator>
		<pubDate>Mon, 16 Jul 2007 09:19:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.attyatwork.com/insolvency-and-criminal-cases/#comment-4691</guid>
		<description>thank you atty and sorry as well.</description>
		<content:encoded><![CDATA[<p>thank you atty and sorry as well.</p>
<p> <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-4691" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('4691', 'add', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_');" title="" />&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-4691" src="http://attyatwork.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('4691', 'subtract', 'attyatwork.com/wp-content/plugins/comment-rating/', '1_14_')" title="" /> <span id="karma-4691-total" >0</span></p>]]></content:encoded>
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