loan unpaid. plus warrant of arrest issued.

hi. re: unpaid loan (balance)
nag-loan mama ko sa cxxfxinancial years ago.... nagbabayad cya regularly until nagka-financial problem kami, so hindi natapos ung payment, they call us, even sends us mails. pero dahil wala kami income non, d namin mabayaran, until they stop calling us and getting mails from them. now, a month ago, may dumating sa house namin, he informed us na he's from xxxxbank (thinking na credit card ung sinasabi nya) so we talked to him etc etc, then may tinawagan cya para makausap ni mama ko, then she found out it's from cxxxinancial (loans) usap sila, my mom's insisting na her total balance would be somewhere between 20k-25k na lang.. but they told her na balance is almost 170k, paano po mangyayari un eh 60k lang ung loan na nakuha niya. then nagbayad naman cya before.. i told my mom to put down the phone, and wag na makipagusap instead go to xxxfinancial mismo para don makipagusap, kasi feeling ko from law office yung pumunta sa amin, i read on some blogs na kung may paymant nagagawin, much better na direct sa bank or sa office mismo para mas clear, kasi tulad now, we can't show any papers/receipts na nagbayad kami, kasi lahat ng papers/gamit namin na-Ondoy. and nakakagulat lang din po kasi after 3yrs biglang meron po ulit naniningil. few minutes ago, we got a call from them, ang sabi, may issue na daw ng warrant of arrest from Q.C. which will be forwarded sa munisipyo namin, i know it's possible na ma-demanda, but ganon po ba talaga un? sabi pa, para hindi na daw i-pursue ung warrant, my mom should pay na lang ung principal amount which is 69k daw. instead of paying yung 170k na amount.
need advice po. thanks.

she really does owe the 69k right? so it may be good to work out an agreement to pay that even in installments.

if you read through the posts here, the threat of a warrant is an old devious trick used by collection agencies.

thanks for the reply.
the loan she made was only 60k.. nakapagbayad naman po cya.. from what she knows., 20-25k na lang balance nya.. after 3 yrs of not getting some mails from them.. a month ago may pumunta na po dito..then un nga po.
i know na isa sa mga tricks ng collection agencies un.. so mas proper to go directly sa office ng bank, kaysa makipag-negotiate sa agency?

yes, try to settle with the bank directly

thanks attyLL

if ang case is civil case, pwede ba un issuhan ng warrant of arrest?
i was told na may pumunta sa house na police daw, looking for my mom.. eh wala sila.. then my dad called the said atty, so after palitan ng explanations, the atty. told my dad na pati cya idadamay, at parehong "igagarahe" para matapos na. my mom even got a text message from the atty. din ata.. with swearing and threats.
ganon na po ba ung way ng pananakot at paniningil nila? wala din kaming magawa, kasi all our receipts eh na-ondoy na... if we go directly sa bank, makakatulong po ba, or baka andon ung atty. or may atty. po ba talaga? just asking?
also, may letter po kasi, sa upper right, nakalagay civil case - for filling.
ung mga ganon po ba ok lang kahit walang signature??

thanks.

i doubt that is really an attorney. these are all collection agency tactics. no lawyer would go down to texting profanity just to collect.

no arrests in civil cases.

thanks po.
again we got a call early this morning, nakausap ng tatay ko ung atty. bernales (bernales and associates).. kahapon po kasi ang sabi namin, magbayad kami ng kahit 20k, kaso nag-tanong kami sa atty. na kakilala ng tatay ko, ang sabi wag daw sa ganon magbayad, so we use the money na lang para bumili ng materials needed sa business.. nung nalaman nung ATTY. BERNALES na wala na kami ibayad, nagalit, he even say's "mga punyeta kayo, sisiguraduhin ko within 24hrs may dadamput sa inyo, baka gusto niyo eh ipagarahe ko pa kayo. kahit sampung abogado pa makuha niyo balewala yan at tutuluyan ko kayo."

what if may pumunta po dito na mga pulis at sbihin may warrant of arrest. what should we do? sabi nyo nga po walang arrest for civil case. thanks.

Ask this person what is his number in the roll of attorneys and you can verify whether he is the same person.

ask for a copy of the warrant and verify with the court which issued it, but that's not going to happen because these are all intimidation tactics.

i once heard that collection agents enjoy it when you get angry or scared. what they hate is when you act that you don't care

thank u po attyLLL
hindi na po kami nakakuha ng tawag from them since yesterday.

thanks po ulit. sa uulitin.