bp22

hi, im a depressed mom from laguna.. i need a legal advice po sana... nademanda po kasi for estafa, and bp22, kasi po nagbenta po ako ng alahas, and yung mga buyer ko, wasnt able to pay me. so binawi ko ang alahas and sa pagkakaalam ko na di ko na pde ibalik sa kinuhanan ko, sinanla ko. and gave her yung money, di naman po ako mag lie na may nagamit din ako part ng money na napagsanlaan. then nung wala na po ako maibayad, at di ko matubos yung alahas para isoli, sinabi ko sa kinuhanan ko na nakasanla, she actually helped me pa na matubos yung iba, then utang ko na lang sa kanya yung pinangtubos nya. before that, she asked me to give her a check... pero wala naman po talaga ko cheke, nanghiram lang ako at pinirmahan ko. i know i am liable for everything pero i am willing to pay naman po, giving me some time para makagawa ng paraan. nawalan din po kasi ako ng trabaho kaya nahihirapan ako. pano po kaya ang gagawin ko? bukas na po yung harap namin sa piskal. i have 3 kids and ayoko po makulong. i just need enough time para po makahanap ng pera. please help me po.

pero wala naman po talaga ko cheke, nanghiram lang ako at pinirmahan ko.

what do you mean, you got a blank check from someone else and signed it yourself?

based on your account, the jewelry was given to you, good as sold, with no right to require the previous owner to take it back, is this correct? if it was a sale, but payment was not yet in full, then you should not be liable for estafa. you are only liable for a debt. do you have any documentation?

the reverse would be true, that if it was given to you on consignment, and you had to return it if it was unsold, then you may be liable for estafa.

nevertheless, your agreement to just pay the loan is arguably a novation (you changed the contract) into a normal debt, for which you cannot be held criminally liable if you fail to pay.

if not for this detail about you signing a check (please clarify), i would have said your case has a lot of merit.

nakareceived po ako ng subpoena. nagattend po ako sa unang harap namin, then nareset po nung august 23. then again po nareset this coming sept 27. if i will pay it in full daw po, wala ng kaso. ang problema ko po wala pa po ako pera. kapag daw po hindi ako nakapagbayad this sept 27, dapat daw po may dala na ko na counter affidavit. ang amount po na pinapabayaran nya sa akin is P191,600.00. ung cheke po amounted to P194,000. may pinirmahan lang po ako na papel na katunayan na nareceived ko yung alahas, then yung payments na binayad ko. wala pa po kasi ako pera but still trying very hard na makakuha ng pera, sabi po nya nung last na harap namin nung august 23, pag daw po di ko sya nabayaran in full sa sept 27, tuloy2 na ang kaso. ayaw na po ako pagbigyan na makagawa man lang ng paraan. ayoko naman po mangako ng date ng pagbabayad dahil baka di matupad. pano po ba gagawin ko? yung cheke po hiniram ko lang. closed account na nga po... i know malaki ang pagkakamali ko and hindi ko na po talaga uulitin.. gusto ko lang po maresolve 2 kaya lang po wala pa po ako pera na hawak. please help... kahit sa advice lang po kung pano ang gagawin.. ngaun lang po ako nakapagonline kasi nga po di ako tumitigil sa paggawa ng paraan...

let's go back to this check, hiniram mo lang. you are not the account holder of the check? who signed the check? is the account holder included as a respondent in the case? are you just charged with estafa also aside from bp 22?

your best approach to the case is to settle. what is needed is money and time. money to pay and time to allow the complainant to realize that no money will be squeezed out of you.

if you are not able to settle now, then you will have another opportunity during mediation after arraignment.

opo hiniram ko lang yung check then ako ang nag sign. di namn po kasama yung account holder as respondent. yung kinuhanan ko po ng alahas she just wanted me to pay her in full.kaya lang po wala pa po ako pera. yung sinisingil ko po sa ibang nasold ko na alahas, wala pa din po binibigay. may harap po ulit kami sa monday, at kelangan po may dala na ko na counter affidavit pagpunta ko kasi wala po ako pambayad. ang problema ko pa po yung "friend" na lawyer ng tatay ko po, sinasamahan nya ko sa mga harap namin sa fiscal, i pay him 3k each time. sabi po nya yung magagastos daw sa counter more or less 1k. so sa monday po, kelangan may 4k ako. gipit na po talaga ko, pano po kaya ang magandang gawin? wala pa po ako counter affidavit till now. sabi po nung kinuhanan ko ng alahas pag di ako nakabayad sa 27, tuloy2 na po yung kaso. makukulong daw po ako agad. i really need help. sabi pa po nila, kung di daw magaling maging abogado ko, pde daw ibenta ang kaso ko sa kabila at makukulong ako. and ask ko lang po magkano po ba acceptance fee ng lawyer sa ganito? gulong-gulo na po yung isip ko. di ako makapagwork ng maayos. pls help me po.

i believe you should prepare your counter affidavit as soon as possible. if your lawyer hasn't prepared it by now, i recommend that you consider getting new counsel. shop around.

based on your narration, the most troublesome i find is that you signed someone else's check. this is documentary evidence which may be considered a badge of fraud.

all is not lost, focus on getting a counter affidavit in first then find a way to be able to offer a sizable down payment which you can offer to settle the case. good luck.

good day.. i have problem regarding mg debts, marami po akong utang at may naka issue pa ako na check, now pongatxt sa akin ang pinag kakautangan ko nga idenemanda na po ako ng estafa, ano po ang pagkakaiba ng estafa at bp 22. gusto ko po mag abroad para makapagbayad pero sa march 31 pa maglabas ang passport ko,,, wala po akong pambayad. kasi nawalan po ako ng trabaho. please help me thru your brillant advise

you can't prevent them from filing a case against you, but if you are still talking to them, they may decide no to file yet.

estafa involves deceit to acquire an item of value. bp 22 is the issuance of a bad check.