worried couple..

Good day! Hihingi po sana ako ng advice tungkol sa civil case na isinampa laban sa akin, collection of sum of money. May kinuha po kaming motor ng asawa ko on installment basis for 3years,nagbabayad naman po ako every month. March last year ko po nakuha yung motor, nakapangalan po sa akin. Sa kasamaang palad po na carnap yung motor nung september, nag bayad pa po ako nung october pero hindi ko na rin naipagpatuloy dahil wala na po trabaho yung asawa ko dahil nababa na po ng barko at hindi pa nakabalik until now.nagpadala po ng demand letter yung company, pumunta nmn kmi sa office nila at binigyan sila ng blotter report nung nawalang motor. nag usap kami at nag negotiate pero we didn't came up into a fixed aggreement. this nov. 9 my hearing na po ako with that company, sincerely asking sir, ano po ang maari kong dapat gawin,
1.sabi sa akin nung nagdala ng summon di ko na po kelangan kumuha ng abogado, totoo po ba iyon?
2.pagbabayarin po ba ako on the hearing day?

Thanks po for your time in reading this. God bless you more sir!

didn't the vehicle have comprehensive insurance?

is this a small claims case? how much is total?

wala pa po itong insurance sir and 90,000 po ang total na pinababayaran sir.. thanks for your reply..God bless!

in my opinion, you are still liable to pay for the motor vehicle.