The Court Is My Friend

He who has less in life should have more in law
- President Ramon Magsaysay

Often times, we allowed ourselves to be shouted upon, pagagalitan,threatened,pinapahiya,trampled upon, and
eventually lose our self-respect and dignity, not for us
alone, but also our parents,wife,husband,officemates
and even our innocent children.
We plead,we argue,explain,even paying our last peso
- all because we are afraid that they will sue us.

Maling akala pala!

Dare the bluff.Let us meet them in court instead.
It's actually the best option we can have.
Why?

1. To finally put a stop to these humiliations and harassments
by these abusive collectors who act as if they own us.
Ano pang legal ek-ek ang masasabi nila after the dare?

2. It means any negotiation is formal,legal and appropriate.
Remember the last time we paid, out of fear, then learn later
on that our utang pala simply did not move at all?

3. Our debt will be rationalized - The court,for several times,has
ruled against those "excessive,unconscionable and exorbitant,
hence,contrary to public morals" charges including 25% attorney's
fees,42%p.a. interest, 60%p.a. penalty, absurd over-the-limit fees, etc...

4. Repayment would be more practical - pay what we can afford, not
what is forced upon us.

5. Less expensive,as most cases would fall under Small Claims Courts

6. Lastly, lawyers are not allowed!

The following issues hopefully will be resolved:
1. Is it true that you have an utang? Yes
2. Is it fair? No
3. Do you have money/properties to pay? No

case dismiss.