Maliit n utang

[anonymoushuman]

Hi guys,

Ask lang advice nio. may pinautang kasi ako and umabot ng 10k utang nia, nabawasan naman un kaya ngayon 5300 nlng need nia bayaran sakin pero ngayon d n sya nagrereply s mga PM. Mom nia ang brgy chairman sa kanila.

Ano kaya mainam gawin?

 

[mateo19]

@anonymoushuman Eh di isumbong sa mama nya LOL. Hahaha mahihiya yun kasi masisira family name nila. Sa panahon ngayon, walang maliit or malaki na utang. Basta meron inutang dapat bayaran.

 

[darlingskies]

@anonymoushuman Warn mo muna pero be polite. Pag wala pa rin, sumbong mo na

 

[viprochems]

@anonymoushuman Ang tanong is do you still want to have a relationship with this person after this? If yes, forget the utang and consider it as bigay na lang. And never lend him/her money ever again.

If no, then go and magsumbong sa nanay nya. Make sure you get any agreement in writing. And never lend him/her money ever again.

 

[rocvisc17]

@viprochems I dont think OP mentioned about having some sort of friendship with the person he lended money with.

Share ko lang: Ay pag ako yan walang utang na makakalimutan. May spreadsheet ako sa mga pinautang kong friends, di ko naman sila sinisingil pero pag lalabas kami tapos manonood ng movies or resto, “ipapaalala” ko lang na may utang sila pero di naman pilit. Yung pabiro lang para di sila maoffend. Mahirap na pag maoffend sila, baka magkaroon sila ng reason na di ako pansinin.

5300 is a reasonable amount of money na din. 2 buwan na grocery ko din ito.

 

[viprochems]

@rocvisc17 There must be some sort of relationship (not necessarily friendship), else why would OP be willing to lend out 10k?

I agree though na malaki na din ang 5300. So if OP is ok with the risk of the relationship souring, he should try to recover it. In my experience kasi pagdating sa ganyang singilan tapos ayaw magbayad, mahirap syang iresolve nang walang sasama ang loob. Ang masama pa if yung nangutang pa ang may gana magalit, lol.

 

[anonymoushuman]

@viprochems bestfriend sya ng partner ko. marunong naman makisama. nagsimula nung binigyan ko ng sideline online sabong agent. Sinabihan ko naman n wag magpautang. may time n may player sya n mataas tumaya utang ng utang sa kanya. Pinapautang naman nia kaya lang naubusan n sya ng ipapautang kaya ng hiram sakin 5000, 3000,2000 at 300 kaya unabot ng 10,300.

 

[forgiven_ent]

@anonymoushuman ano pala ang reason niya bakit di siya makapagbigay? baka may circumstances na pumipigil sa kanya na magbayad or sumthing.

tanungin mo din pala ang partner mo if willing siyang suportahan ka para mabawi ang pera mo. kasi most probably for you kaya mong ma-ekis na siya sa buhay mo forevs pero ang partner mo mawawalan ng kaibigan if ever.

yung sideline na yun, di ba pwedeng mabawi physically? or kahit yung access sa app or something? sorry, di ako aware sa kalakaran ng pag-agent ng online sabong. kasi baka pwede mong bawiin pansamantala ang access to the account (if that's how it works) and ikaw magpalakad ng mga bets coming from his customers until such time mabayaran nya ang the rest of the money. after that, wala nang utang and clean break ka na sa kanya.

 

[faithfamilyfreedom]

@anonymoushuman file a formal complaint sa barangay and small claims court

 

[anonymoushuman]

@faithfamilyfreedom pano po b magfile ng complaint s barangay nila, d po ba ako dehado dun kasi mother nia ang chairman?

 

[faithfamilyfreedom]

@anonymoushuman Dapat hinde Lol. Job nya un

 

[ali89]

@anonymoushuman all the more na kailangan niya isettle between you two. Kapag nasira yan sa mga kasama niya na officials or yung sa mga taga barangay mismo, di na yan iboboto. Better to talk with the mother first. Pag dumiretso ka sa barangay mismo, baka maging defensive yan.

 

[hope4ul]

@anonymoushuman Don’t ever lend money with the expectation of getting paid. If you don’t want to be disappointed, don’t lend, period.

 

[karenwing]

@anonymoushuman Pa barangay mo?! Joke.

Better kung alam mo bahay nila puntahan mo as personal visit lang. Oo, kailangan kapalan ang muka. Fight for your principle. Then, tanungin mo tungkol sa pagkakautang nya.

But... Kung may reason sya na hindi pa makabayad at reasonable naman. Go and have consideration.

I learned that in Red Deas Redemption 2 video game.

 

[ngodap]

@anonymoushuman Assume innocence lol

Text and written communication always in all forms of communication para proof for later in case you need it.

Text
Facebook
Instagram
Whatsapp
Blast all of them.

Come from a placemof concern ie:
"Hi kumusta? Ok ka lang ba? I'm worried it been a while since we spoke I genuinely hope you're okay."

Tapos eventually they will respond and ask for your money. Kunwari kailangan mo talaga. Make up a story. I wish hindi na to kailangan kaso baka kailangan in your case.

Get your money back and with grace. Then distance yourself from that friend.

 

[alandibat]

@anonymoushuman Send a demand letter to his address. Kapag walang response, go to barangay. It doesn't matter sino chairperson. Kapag di na-resolve sa barangay, file a small claims case sa RTC ng city nyo. Docket fee is 1k mahigit pero mababalik naman yan on top of the payment to the loan. Si judge na bahala dyan. Less than a month may decision na court.

 

[faithfamilyfreedom]

@alandibat

Send a demand letter to his address. Kapag walang response, go to barangay. It doesn't matter sino chairperson. Kapag di na-resolve sa barangay, file a small claims case sa RTC ng city nyo. Docket fee is 1k mahigit pero mababalik naman yan on top of the payment to the loan. Si judge na bahala dyan. Less than a month may decision na court.

Eto ang tamang recommendation. may mga template sa legaltree.ph

 

[anonymoushuman]

@faithfamilyfreedom pano po kung ayaw nia magbayad kahit natalo sya s hearing?

 

[faithfamilyfreedom]

@anonymoushuman Edi kaso un. Kase court order na un

 

[anonymoushuman]

update lng po dito. tnry ko po kausapin ung mother nia. Ang sabi lng po sakin ay wala daw po sya matutulong kasi madami n daw syang natapon n pera.

Sinabi ko dn po s kanya ung mga advice sakin n kumuha n ng Certificate to File Action, ang sabi lng po nia sige daw iissuehan daw nia ako pero advise daw nia d n kailangan nun kasi above 5k ang utang pwede n daw idiretso s city hall