Bouncing check

Ako po ay may may pinagpatuloy na hanap buhay mula sa aking ama since 2000. Kuha po kami ng asukal at mantika sa supplier namin tapoa issuehan ko ng checke 30.days Depende 21 yung pag minsan pero ang masakit po lately
lumaki ng expenses at overheads di po namin nakontrol at umabot po ng 2m sa isang supplier utang ko kaya namn po tumigil sila sa pagbibigay saakin ng paninda kaya po naantala ang aking pagikot. Dahilan kung bakit ako na dedelay sa pag babayad. Sinubukan ko umutang sa bumbay upang ipang tabon sa di ko maibayad kaso lalo ako kinain ng interes at isa sa lalong ng pahirap ng sitwasyon ko.
Ano po kaya posible kaso sa akin ng supplier ko bagaman at alam ko na may issue ako na cheke sa kanila umaasa na matulungan nila ako. Kaso nahinto na sila. Ano po klasing kaso ang maari nilang isampa sa akin. Hindi namn po tatakbo. Ems23

Either estafa or violation of BP 22. whatever will apply to your case.

Makukulong po ba ako. Kung sakaling oo gaano po katagal at may roon po ba ako pag asa na hindi ako ikulong..
Iniisip ko po kasi na mabayadan sila sa abot ng aking makakaya. Kung ako ay nasa labas maari din po ba nila habulin ang aking asawa? O ang ari arian ng aking pamilya?

yes, if ever maconvict ka since parehas criminal case yan. the best way para di ka makulong eh wag ka masampahan ng kaso in the first place. makipag coordinate ka dun sa pinagkaka utangan mo at sa kanya mo try makipag settle.

yung ariarian nyo mag asawa yes pwede iutos ng korte na liquidate yun para makapag bayad ka ng utang.

Khit po ba hindi ako man loloko nkakalungkot nmn po

Yep, hindi naman yung intent ang magiging kaso dyan, yung fact na may cheque na naissue na insufficient balance sa account para cover pag inencash.

Only a case for violation of BP 22 can be filed against you and not Estafa. In Estafa, the issuance of the check must be in payment of an obligation contracted at the time the check was issued.  In your case, it's a pre-existing obligation since you were allowed to pay after 30 days.

BP 22 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.

Have you received a notice of dishonor? If you haven't received a notice of dishonor yet, you cannot be charged with BP 22, since element no. 2 is lacking.  Presumption that the maker, drawer, or issuer had knowledge of the insufficiency of funds arises only after a notice of dishonor is received and that within 5 days from receipt thereof, you failed to pay the amount of the check or make arrangement for its payment.

If you really have plans of paying your creditors, you may want to reach out and offer a settlement. You may offer that you pay the outstanding balance through installments but this time, if they will agree do not issue checks anymore. Offer a collateral instead. If your creditor accepts your settlement, make sure that you have loan agreement or a real estate mortgage with contract of loan (in the case of collateral) signed so that they will no longer have a cause of action for BP 22. And should later on, you fail to pay the monthly installments, they can only file for a civil suit or foreclose your property.

It is best that you course this avenue through a representative. A lawyer is much better.

Please take note that I do find it necessary to mention that this opinion is solely based on the facts you have narrated and my appreciation of the same. Thus, the opinion may vary when the facts are changed or further elaborated. I hope that I was able to enlighten you on the matter.

All information provided on this website is for general informational purposes only. Transmission or receipt of the materials or information on this web site does not constitute legal advice, establish an attorney-client relationship, or create any duty on my part to any person accessing this website. An attorney-client relationship may be established only by an engagement letter or contract signed by me.

Magandang hapon po. Manghihingi lang po sana ng payo. Nagkaroon po ako ng utang sa isang banko , at sa kasamaang palad ay hindi po ako nakabayad nung ilang mga pang huli na checke ko. Nag file po sila ng BP 22 laban sa akin noong 2013. Ito po ang mga katanungan ko:
1. Gusto ko po makipag coordinate sa kanila upang mabayaran ko po ang aking pagkakautang at para mai atras po ang kaso. Ano po ang dapat kong gawin?
2. Kung halimbawa po na magkasundo na para sa settlement at mabayaran na po. Paano po ang mangyayari sa bp 22 case? Mabubura na rin po ba iyon sa nbi record ko?

Maraming salamat po