unpaid bank loan

good day atty. i'm just wondering if i can seek for legal advice. may salary loan po ko sa dating company ko. wayback 2007 pa. i wasn't able to pay the bank (ps bank) anything kasi tamang nag-resign din ako due to personal reasons right after i got the loan. di ko naman talaga intensyong takbuhan obligation ko, it's just that i got unemployed and trying to get back on my feet now, the agency has been calling my relatives in pangasinan. my uncle, who's a barangay captain was contacted by a certain legal atty asking for me and even a police from makati daw po. my family and i relocated in pampanga na po ksi. di na kme umuuwi ng pangasinan. i tried to get in touch with the legal atty and they're asking me to pay them P100,000 tomorrow na. This just happened earlier today. nakiusap po ko, sbe ko di kaya ganun kalaki. we settled with P30,000 instead and to pay the rest of the bal on or before 04/26/2011. 30k lang yung hiniram ko nun. prang sobra sobra nman po ata yung P100,000 na hinihinge nila. willing nman po ko settle. i tried to negotiate it with them pro final amount na daw po yun and they can't gve me much time on it kase kelangan pa daw mag-request ng TOR or yung case daw kse is with the prosecutor's ofc na. pingwa din po nila ko ng promissory note. naguguluhan po ko. i dnt have an idea po tlga on kung anong pwedeng mangyari kung di ko nabigay agad yung money on the data na gusto nila. makukulong po ba ko agad? ayoko po kase ng eskandalo. pls help naman atty. wala pong checks involved dito..just unpaid debt. tnx and god bless po!

did you issue checks?

those tactics make it sound you are dealing with a collection agency. deal with the bank directly. there's nothing much you can do aside from to keep negotiating.

i didn't issue any checks po. unpaid debt lang po talaga. pwede po ba nila ko pakulong talaga agad pag di ko nabayaran yung P70,000.00 na kulang ko on 04/26? kaya ko po bayaran yun pro staggard payment. i dnt have that much money. I paid them P30,000.00 cash (initial payment) yesterday po. tama po ba ginagawa ko? should i deal with them? or talk to the bank directly? i want this over and done with na po talaga.thank you so much for your time atty.

i hope you already have an overall agreement how the debt will be paid before you gave the p30,000.

natakot na din po kase ako..may nakausap na po kase akong judge from Makati and she advised me to speak with the lawyer handling my case. eh yung lawyer po na yun nagsbe that i need to pay them P100,000. eh kung bayaran ko po yun staggardly? hahabulin pa ba nila ko if nabigay ko naman gusto nila? tinatakot lang ba nila ko? i'm sorry atty. i'm just not used to this kind of problem. i don't know anything about these things. i really appreciate you for giving time sa aming mga walang alam sa batas. more power to you and godbless!

so you paid them 30k without any agreement on how that will be applied to your debt? keep talking to them and negotiate a compromise. again, it will be better if you deal with the bank directly.

thanks atty. i will do that po. i hope the bank would still be willing to negotiate with me. thanks for the advise once again atty. happy easter!

sir,

I received your reply to my queries but sad to say I cannot view it because I do not know how to open it.

thanks.

if you are referring to me, send the message again.