debts unsettled

Year 2006, tita ko po e nangutang ng 345thousand sa 1 lending company dahil ipinambayad sa ibang utang dahil sa pagkakasakit ng aking namatay na lolo, house & lot po ung ginamit na colateral..nung mga unang taon nakkapagbayad po ng interest, nung mga sumunod paskip-skip na po pagbabayad kc po lumala ang financial crisis ng pamilya.. at ngaun po wala na po ung tita ko, nangibang bansa pero hindi pinalad na makakita ng magandang trabaho dun. naniningil na po ung lending ngaun, worth 1.2M po ang cinicngil dahil daw po sa interes...wala po kaming pambayad. Ang sabi po sa lola ko ng attorney ng lending, within 2 mos daw po dapat nakaalis na kami sa house & lot na un. Sabi po ng me ari ng lending "hindi ko na isasama ang bahay,alisin nyo at isama sa inyong pag alis, pero hindi ako magbibigay ng panggastos sa paghahanap nyo ng bagong malilipatan, mag umpisa na kayong magbalot balot ng mga gamit nyo"..
Bungalow po ung bahay na bato, pano po namin maiisama sa aming pag alis?? Naaawa po ako sa lola ko kc matanda na, at san naman po kami titira kasama maliliit pa nyang mga apo kung palalayasin kami sa bahay na yun? Duda ko po kaya 2mos lang binigay na palugit kc alam nilang pag nakuha nila bahay at lupa na un, pag binenta nila mas tutubo pa sila. Ang gusto po sana namin e ibenta na ung bahay at lupa para po may maibayad kami tapos ung sobra ipagpapagawa namin ng bahay na malilipatan. Kaso napakaikli po ng panahong ibinigay samin para makahanap ng buyer. Ano po gagawin namin? This coming friday daw po isasama na ang lola ko sa abogado para papirmahin ng mga dokumento. Kung hindi daw po pipirma, dadalhin na daw po sa korte ang kaso at makukulong ang lola ko.. Nag aaral pa po ako sa elemntarya.. wala po kaming pambayad ng abogado...wala po kaming laban sa kanila. Ano po gagawin namin?
Dahil matanda na po ang lola ko, hindi po nya alam kung nasan na mga resibo ng pinagbayadan dati ng interes..wala din pong ibinigay na computation kung bakit umabot sa 1.2M ang pagkakautang namin..wala din po kaming hawak na kasulatan ng pagkakasangla. Pero ang titulo po ng bahay at lupa ay nasa lending.
At kung dadalhin po ba sa korte ang kaso, may chance po ba kami? May chance din po bang mapababa ang halaga ng babayadan namin? napakalaki po ng ipinatong nilang interes...
Sana po ay matulungan nyo kami kung ano ang pwede naming gawin...

is there a written loan agreement? is it drawn up as a pacto de retro sale? or as loan with mortgage?

has this undergone extra-judicial foreclosure proceedings, and is the redemption period over?

yun nga po problema atty., hindi daw po matandaan ng lola ko kung ano ung pinirmahan nya dun sa office ng lending nung kumuha sya ng pera. wala pong binigay na kopya nung pinirmahan nya. Ano po ung pacto de retro sale? Sa friday po papapirmahin na daw po ang lola ko ng deed of sale kc daw po hindi na nakabayad ng utang. Tanggap na po namin na mawawala na samin bahay at lupa kaya lang napakaikli po ng 2 mos para makapagpatayo ng bagong bahay na malilipatan tsaka gusto po sana ng lola ko dun sa bahay na un magpasko para pamamaalam na din kc ung bahay na un e napakaimportante po sa lola ko. sa 2 mos po na palugit, hindi po kami agad agad makakahanap ng buyer, gusto po naming ipagbili kesa basta nila kunin, para ung sobra po sa mapapagbilhan, pwede namin magamit sa pagpapagawa ng bahay kahit kubo lang kc po atty. wala talaga kaming pera pampagawa ng bahay. Duda ko nga po kaya ayaw nila pumayag na magpalugit ng higit sa 2 bwan e kc ayaw nilang maihanap namin ng buyer kc pag binenta nila un mas tutubo pa sila. Ano po gagawin namin atty., feeling ko po hopeless case na kami kaya salamat po at nagreply kayo. Wala po bang chance na mapababa ung babayadan namin? Para po if ever na may buyer, baka po walang sumobra dahil sa laki ng babayadan namin. 345th po ang kapital na kinuha, fair po ba na 1.2M ang cinisingil nila? Un daw po e dahil sa interes na napatigil ng pagbabayad, e di nag interes din daw po un. Wala po sila binibigay na computation. Atty. please help po... salamat po..

please note I am basing my response only on the information you are giving.

1) Your grandmother should not sign that deed of sale. what she entered into was a loan agreement, with the house as collateral. the house does not automatically become the creditor's property by mere failure to pay the loan; that is prohibited by law.

2) If the house was mortgaged, the creditor should foreclose the mortgage. i think they're making your grandmother sign a deed of sale because they're trying to avoid having to pay foreclosure fees.

3) if the mortgage is properly foreclosed extra-judicially, you still have 1 year to possess the property as a right, and you have that 1 year to pay the loan.

4) if your lola did not sign a special power of attorney allowing the lending the company to foreclose extra-judicially, then the creditor has to file a case in court to foreclose the mortgage.

I recommend that you do not give in to that lawyer; demand that he gives you a copy of the loan agreement and whatever documents they base their claim on.

thank you po atty.. nabuhayan ako ng pag asa.. nagpunta po ako sa lending office kanina, nakkikiusap po ako na dagdagan pa ang palugit kahit until december...kaso ayaw pong pumayag. kc sabi ko po sa 2mos hindi agad kami makakakita ng buyer. sa friday daw po kailangan na naming magdesisyon. hindi pa daw po deed of sale ung pipirmahan. kasunduan lang daw po na isinusurender na ng lola ko sa kanila ung bahay at lupa namin. Sila na daw po ang gagastos sa pagpapalipat sa kanilang pangalan. Kung hindi daw po pipirma lola ko sa friday, kakasuhan na daw po kami criminal case at civil case daw po. May pinirmahan daw pong loan agreement lola ko pero sabi po ng lola ko wala binigay sa kanila. Nakay attorney daw po nila ung kopya. Pano po kung may pinirmahan nga lola ko taz di lang sila nagbigay ng kopya. syempre po matanda na un, hindi na nun babasahin kung anuman pinipirmahan nya. Totoo po ba attorney na pag lumaban kami sa korte, e hahatian daw po namin sila sa gastos nila sa attorney nila? At totoo po ba na pag lumaban kami sa korte e mas makukuha nila ung bahay at lupa at magbabayad pa kami ng charges? Ang hinihiling lang po namin attorney e mabigyan kami ng mas mahaba pang palugit para makahanap ng buyer kc kung isusurender po namin sa kanila ung bahay at lupa, hindi naman daw po sila magbibigay ng pera para pampagawa namin ng bahay. Panu na po kami? San na po kami titira? Ang kapital daw pong nakuha e 405th, ang interest po ay 588th plus, at ang penalty po e 213th plus...kaya daw po umabot ng 1.2M... starting year 2006 pa daw po yun, ayon dun sa nakalista sa yellow paper na binigay sakin, nung mga unang bwan po nakakapagbigay ng interest tapos napahinto kc nagsunud sunud ung trahedya sa pamilya...Attorney pls help po... kami na lang po ng lola ko ang nagdadamayan.. kayo lang po ang makakatulong samin..hindi ko na po alam kung kanino lalapit...May laban po ba kami kung haharap kami sa korte? Gagastos po ba kami ng malaki kung lalaban kami? Kasi po wala po kaming makukuhanang tulong na pinansyal...Ano po gagawin namin?

pano po attorney kung may loan agreement nga pong pinirmahan lola ko? Wala na po ba kaming laban? Ung house & lot po e owned hindi mortgage...ginamit lang colateral para sa loan...ung lupa lang daw po ang kukunin, tanggalin daw po namin ang bahay at dalhin. Imposible po un dahil bungalow ung bahay na bato. Pag di daw po pumirma sa friday ang lola ko, kakasuhan na daw po. Pls help attorney...Maraming salamat po...

there is no question that your lola is obligated to pay the loan, but you have legal remedies to buy time.

1) I do not believe a criminal case will prosper. It is not a crime to fail to pay a debt.

2) Surrendering the home only gives advantage to the creditor. you have the right to resist; they have to file a civil case to foreclose the mortgage before the house should be turned over. if you do so willingly, then you give up that right.

3) i don't see what you have to lose if you lose the case. it seems that the house is the only property of your lola. even if you are made to pay attorney's fees, if you cannot pay because your lola has no more property, then they cannot do anything.

4) if you fight, you will definitely gain time to sell the property. any case they file will take years to resolve and you can appeal it all the way to the supreme court.

5) your case has merit even if you cannot get out of the loan. it may be that the rate of interest is unconscionably high. you can also argue that the loan agreement is a contract of adhesion, meaning it was completely prepared by the other side.

6) they cannot force you out of the house without your consent.

There is nothing you can do to prevent them from filing cases against your lola, unless she pays her loan.

In my opinion, their filing of a collection case against your lola is A GOOD THING because you will be able to get more time to make use of the house and look for a buyer. My advice is that you do not sign any document handing over the property to them.

attorney salamat po. Kung lalaban po ba kami sa korte at kukuha ng abogado, may bayad po ba yung public attorney?

pao, wala, if you qualify. ask them. good luck.

lumapit na po ako sa public attorney, ang sabi po kung hindi namin kaya ang gastos sa kaso, wala daw po kaming babayadan pero pag naipanalo daw po nya ang kaso, hati daw po kami sa halaga ng lupang naipanalo nya... ganun po ba talaga un?

that doesn't sound like a proper public attorney. when you look for service for free, you get what you paid for.

ganun po ba? salamat po ng marami atty. May tatanong pa po sana ako, kung halimbawa pong matalo kami sa kaso, toto po ba yung sinabi ng lending na makukuha nila lupa ng lola ko? Tsaka hahatian daw po namin sila sa pagbabayad sa abogado nila.

yes it is possible but only if the court grants it.

ganun po atty? kaya po pala ang sabi ng public atty namin, kung matatalo kami wala na kaming babayadan sa kanya. Ano po ba ang mga maaaring maging dahilan ng pagkatalo namin?

atty, clasmate po ako ni lonely fairy...pasensya na po kung dito na din ako magtatanong...isa lang naman po tatanung ko kung inyong pahihintulutan....ang mama ko po umutang din pero tax declaration ng lupa ng asawa ng ate ko ginamit na colateral...pumayag po ang inutangan kahit walang pirma bayaw ko. ang tanong ko po ginoo, makukuha po ba ng creditor ung lupa ng bayaw ko kahit wala syang pirma? may factor po ba na asawa naman sya ng ate ko. at byenan naman nya ung nangutang kahit wala syang pirma.
hindi po alam ng bayaw ko na isinangla ung lupa nya, kc po wala po sya dito sa pilipinas...kumuha lang po ang mama ko ng tax declaration sa munisipyo tapos isinangla na...maraming maraming salamat po atty...nais ko lamang pong mabigyan ng linaw ang bagay na ito...

if the other attorney accepted the case, then you should take up the matter with him. He has better view of your case now and it would be unethical for us to comment when you have your own counsel.

classmate, under whose name is the tax dec? without consent from the owner, the property cannot be affected. did your sister authorize your mother to do that?

thank you very much po attorney....hindi pa po tinatanggap nung public atty ung case kc hindi pa po kami pumapayag sa kondisyon nya kc wala nga po kaming pera na magagamit para sa kaso. If ung 2nd option po nya pipiliin namin, e di ipagbibili po namin ung bahay at lupa ng lola ko? Kasi ayon po sa kondisyon ni atty, half ng halaga nun e kabayaran namin sa serbisyo nya. At least daw un may makukuha kaming pera bilang pansimula, unlike if kukunin ng lending, na hindi naman magbibigay kahit piso. What can you say regarding this matter atty?

atty good day...this is classmate!
thank you for your immediate response regarding my query yesterday....tax dec is under the name of my brother in law. My sister allowed my mother to use it as collateral but she did not give an authorization letter and she did not sign anything. My brother-in-law didn't know that his property was used as collateral for a loan. And there's no loan agreement given to my mother. According to the creditor, they have the right to redeem the property since my mother didn't able to pay her debt for 4years. Is that posible attorney? May 2006-present amounting to 550TH due to interest and penalty. Capital loan is 150TH. Also, creditor told us that if they want, they may file a criminal case for my mother because she pawned my brother-in-law's property without consent of the owner. What can you say regarding this matter atty?

lonely, does this guy really work at PAO? if he is, he's moonlighting. 50% contingency fee is very steep.

classmate, their point about your mom using someone else's property as collateral has some merit, but it depends on whether there were other deceitful acts that were done to induce them to give the loan. this will fall under other deceits as estafa.

they should not be able to get the property because it is collateral for a loan, not the object of a sale. if there is no special power of attorney signed by the registered owner, then they have to file a case in court to foreclose the mortgage and an auction conducted with proceeds to be paid for the loan.

But the registered owner can contest that the property was mortgaged without his consent.

attorney, this is lonely fairy again... hindi po pumirma lola ko dun sa kasunduan na sinusurender na nya bahay at lupa nya... binigyan po kami ng palugit pa na hanggang katapusan to find a buyer..but the creditor told us that if ever we found a buyer, we will pay them in cash, they won't accept installment. But from 405th capital we owed from them, they told us that due to interest and penalty, we have to pay now 3M in cash... What should we do atty?
And this coming month-end, if hindi po kami nakapagbayad, acdg. to them they have the right to possess the property and if we resist, they will file a criminal and civil case against my lola. Atty., pwede po ba kami humarap sa korte kahit wala kaming abogado? Hindi po ba kami bibigyan ng government ng public atty... Hindi pa po namin tinanggap ung attorney na nakausap namin kc po ang gustong bayad e kalahati ng lupa namin. And atty, is it possible for an 80year-old senior citizen to go in jail? Will the court allow it? Atty, what if ipalipat na lang po namin sa ibang pangalan ung property ng lola ko para hindi makuha ng lending? Makasuhan po kaya kami dun? Atty pls help... kami na lang po ng lola ko magkasama ngaun na lumalaban para dito, maliliit pa po ung mga iba pa nyang apo... kaya po thankful ako na anjan kayo to guide us....

lonely, you have not exhausted looking for a lawyer. go to the local office of the integrated bar of the philippines or college of law and look for the legal aid office. and sorry, i believe it is not impossible for you to get a paid lawyer.

i do not see what criminal case they can file against your lola, unless there is some detail you have not relayed. by all means resist, and you have the right to use REASONABLE FORCE to defend your possession.

and sorry, i believe it is not impossible for you to get a paid lawyer. --attorney, may i ask why? thank you...

attorney kc po sabi po ng lending pwede nila kasuhan lola kc may pinirmahan daw po agreement, ang problema po nahingi po ako ng kopya para makita ko anu yung pinirmahan na un, sabi po nila e nasa abogado na... pati po ung computation ng utang sinulat lang po ng tauhan nya sa yellow paper...di ko na po alam gagawin ko. ang lola ko naman po, ipagpapasa Dyos na lang daw po nya.... ang problema po di naman pwede ipagpasaDyos na lang pati titirahan namin kung mapapalayas kami. Hindi na nga po kaming maglola nakakatulog ng maayos sa gabi dahil sa problemang ito. Hindi ko po inaasahan na ganito kabilis umikot ang gulong ng kapalaran, hindi ko po akalaing unti unting mawawala ang mga kabuhayan namin ng halos di namin namalayan, nagsimula po ito nung magkasakit ng matagal lolo tapos namatay din; sumunod namatay naman po tiyuhin ko. Nakakabayad naman po lola ko daw dati ng monthly, dumating nga lang po sa sitwasyong ganito, nung tumigil sa pagpapadala ung tiyahin kong nasa abroad. Nawalan po ng trabaho, nangibang bansa mga amo, nagsasideline na lang daw po sya don at pag nakaipon ng pamasahe e uuwi na.

lonely, i think we've discussed this far enough. you should exhaust efforts to find a lawyer. there should be one within your budget. good luck.

ok, thank you very much attorney...
tomorrow I will go to PAO, our barangay captain will go along with me... Godbless...