Coercion Agency

you read it right.

akala mo si attorney,
yun pala si collector lang ini;
akala mo sheriff,
yun pala walang isip.
sinabi ba namang ikaw ay may warrant of arrest,
e di ikaw ay malamang mauna pang umalis?
sinabi din na they will file a case.
hinde ba ang linyang ito ay matagal nang panis?
mabuti pa si Yao at si Shaq
si miss maganda ay pose lang na walang sindak.

I Am Confused

"Sir, I want to pay, but I have no money"

"If you cannot pay, don't!"

"But you are teaching us not to pay!"

I am just teaching you common sense

"Sir,it's morally wrong not to pay our debts"

"Is prioritizing your debt over your children stomach morally right?"

"We used it ; we should pay it"

To whom?

Go Ahead, Ask.

Ask a question and it shall be given.
Give,and you will be asked and questioned.

Life is really unfair.


( See Poll For The Month )

The Unwanted King

He rules your life like a King,simply because you have a credit card debt.
He tells you to call Atty. Ek-ek or SPO1 Mando Rugas.
Otherwise, he will file a case, issue a warrant of arrest, go to your office,
get your appliances, go to your house, call your HR, publish your picture and
allllll sorts of threats.

Well, why not dare his bluff - see you in court?
Remember the ad : ang Hari, talo ng Alas!

Your Credit Card Debts

you are actually not paying it. if it is paid to collectors.

Diskarte Fund

I was talking to dr.rf yesterday about Ondoy victims and how we can help our members. Then it dawned to me that maybe it’s quite late in a day, and that we are quite helpless if we do not have standby funds for our group in cases like this.
I was thinking if we can establish a Diskarte Fund which will replace the P10.00 voluntary monthly forum membership fee which is not being followed anyway.
Purpose :
To defray possible expenses during our monthly EBs, for selected charities, or other purposes deemed appropriate by the group.
Contributions :
VOLUNTARY.
If you have been blessed by the blog .
If you want to show your appreciation for the support you are getting from the group
If you want to help spread the Diskarte principles.
If you have found PEACE after finding this group
If you can trust us where your one-time or continued contributions will go.
If you just want to give.
Otherwise, don’t .
How:
Thru GCash or directly to Single Mom during our monthly EBs.

You borrowed money to buy peace from the collectors;
We never asked anything for it.

May Katapusan Din Ito

What

Art. 1144. The following actions must be brought within ten years from the time the right of action accrues:

(1) Upon a written contract ( Your Card Agreement, for example)

e.g. The obligation to pay became due on March 3, 1983 . The complaint was filed on July 27, 1993. This is a no-no

Basis for Counting

Art. 1151. The time for the prescription of actions which have for their object the enforcement of obligations to pay principal with interest or annuity runs from the last payment of the annuity or of the interest.

Stopping The Counting:

Art. 1155. The prescription of actions is interrupted when:

1. they are filed before the court ;

Cases are archived When defendant without fault or neglect of plaintiff, can not be served with summons within six (6) months from issuance of original summons.

2. when there is a written extrajudicial demand by the creditors;

There could be no valid and effective demand made if the demand letters were never received by the respondents.

3. when there is any written acknowledgment of the debt by the debtor.

Revival of Cases:

The Presiding Judge shall motu proprio or upon motion of any party, order the reinstatement/revival of an archived case and its withdrawal from the archives whenever the same is ready for trial or further proceedings.

n.b.
originally published in
www.failuretopaycreditcard.wordpress.com
09/08/08 (a month after 08/08/08)