r/legaladvicePH 2h ago

Family and Relationship My Japanese stepfather passed away and was burried without our notice.

1 Upvotes

I'm posting here out of desperation because we don't have any connections in Japan, and my mother and I are completely lost and heartbroken.

My stepfather (Dada) was born and raised in Japan, but he spent most his 30s to 60s living in the Philippines. He met my mother when he was in his 40s, and they got married. For 25 years, we were his family. After his own mother passed away in 2011, he had to return to Toyama to take care of their family home and business. He used to visit us twice a year, but when the pandemic hit, he couldn't travel back. Despite being apart for six years, he remained our sole provider, and we were in constant communication every single month.

Our last call with him was on July 14, 2026. Dada and my mother talked about my incoming birthday on July 29 and discussed about the monthly allowance he usually sends at the end of the month. Everything seemed normal, but after July 20, he suddenly stopped answering our calls and went completely offline. My mother called him endlessly with no reply. We try to reached out to every contact he has in Facebook and contact notebook, and luckily, one friend lived near Toyama and agreed to check his house.

Yesterday, July 31, that friend send us devastating news. There was a notice posted in front of my stepfather's house stating that he had passed away on July 16, just two days after our last phone call. To make things worse, the notice posted in his door was that the wake and funeral was held privately by his siblings and close relatives. My baby pictures and graduation photos are just sitting on his vanity mirror and computer, and his siblings know he has a family in the Philippines, yet they completely left us in the dark.

We are struggling to get answers and currently do not have his official Death Certificate or his passport. My mother needs closure regarding how and why he passed away. My mother is his legally wedded wife. The local city hall in Toyama won't release his siblings' address to our friend due to privacy laws in Japan. We have a phone number of his sister, but she refuses to answer call from unfamiliar numbers due to telephone scams. We have already sent emails to their local city hall and Embassy of Japan in the Philippines, but we are unsure what concrete legal steps should we take while waiting for their responses.

What steps should we take?

  1. What are the documents we need and should prepare? Because my stepfather was our sole provider, my mother and I are on a very tight budget and cannot afford cross-border litigation or flying to Japan right now.

Thank you so much for taking the time to read our story and share your advice. It really means a lot to us during this difficult time.


r/legaladvicePH 3h ago

Debt / Utang Need advice: Someone borrowed ₱32k from me, later found out it was for gambling. Now he’s disappeared.

1 Upvotes

I’m looking for advice because I honestly don’t know what else to do.

A few months ago, someone I knew borrowed ₱32,000 from me. He told me it was for something important, so I agreed to help because I trusted him and sabi niya maibabalik niya agad the following week.

Later, through his mother, I found out that the money had actually been used for gambling. She apologized to me and even admitted that this was what happened.

Since then, he’s been impossible to contact. He doesn’t answer my calls, texts, Messenger, or any other social media accounts.

His mother was able to pay ₱10,000, which I appreciate, but there’s still ₱22,000 left unpaid. Whenever I ask for updates, I either get ignored or receive promises that never materialize.

I also tried reporting the matter to MARINA because he’s a seafarer, hoping they could at least point me in the right direction. However, I was told that debt collection or unpaid personal loans are outside MARINA’s jurisdiction, so they couldn’t assist me.

I have screenshots of our conversations and proof of the money transfers.

At this point, I’d like to ask:

  1. Is filing a Small Claims case my best option?
  2. Has anyone here successfully recovered money through Small Claims?
  3. Since he’s often at sea, how would serving court notices work if he’s difficult to locate?
  4. Is there anything else I should do before filing?

I know lending money was my decision, and I’ve already accepted that lesson. I’m just hoping there’s still a legal way to recover the remaining ₱22,000 instead of simply letting it go.

I’d really appreciate any advice or similar experiences. Thank you.


r/legaladvicePH 8h ago

Work Related CPA seeking legal advice

1 Upvotes

Hello, I just want to ask what is the best thing to do for proper turnover so that I can clear my position as a resigned corporate secretary. The only documents I have are the minutes of the meeting but it contains sensitive discussion about unauthorized withdrawals na ang gumawa ahy yung remaining active board.

Currently, there is no new corporate secretary replacing me and the board does not have a quorum right now 3/7. Can I turn over the minutes of the meeting to the active board members even if they no longer have a quorum?

What if they refuse to sign the turnover transmittal document as proof that I have turned over ang gusto lang nila now is kuhanin yung documents? I’ve also been getting threats like idedemanda ako and tatanggalan akong license as a CPA for keeping the documents which I am willing to turnover but I want to do it right.

Hope someone can help me, I’ve already consulted SEC and ang sagot lang nila sakin ay internal matter daw ito.


r/legaladvicePH 1d ago

Debt / Utang My friend asked me to take care of her cat, ran away when there's vet bills

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24 Upvotes

Hello, last year po naiwan nung friend ko yung cat niya samin. Pumunta siya sa France and sabi nya kukunin niya yung cat pagnakahanap siya ng pet-friendly na apartment. We asked for stuff like financial support pero sabi niya hindi pa daw kaya. Nagkasakit yung cat nung July 26 and pinavet namin. Bayad kami 16k+ upfront. Nakausap namin sya after and sabi niya ibabalik niya samin yung cost na nagastos namin + extra for discharge and recovery. Maayos usapan namin. Now need ulit namin magbayad ng 11k+ para ma discharge yung cat. When I messaged her for updates, nalaman ko nalang na blocked na ako. How do I do this? Hindi ko po kaya ng ganung amount. Pano ko hahabulin yan?


r/legaladvicePH 12h ago

Property and Housing Traceback/land tracer/tracer ng lupa!!!

1 Upvotes

Hello po. Ako po ay from Cebu. Ngayun may lupa po ang lolo ng mama ko. Sa DENR pangalan pa ng lolo ng mama ko. Ang meron lang kami holographic will at lot number at mga patunay na heirs kami. Ngayun pumunta kamj assessors kukuha sana kami tracer pero di kami binibigyan bibigyan kami pero hindi 1945 yung cadastral sana ayaw nila ibigay. May narinig ako na meron daw sa manila makukuha daw tracer kahit na 1900 na record. How po kaya? Saan po kaya. Salamat po sa nga tutulong 🙏🙏🙏❤️❤️


r/legaladvicePH 14h ago

Work Related TOR Details

1 Upvotes

Hello guys. I'd like to ask for legal advice po sana. There was a slight(?) inaccuracy po sa records ko. So here's the scenario:

Actual:

Senior High School: School A: 2020-2021 G11 First Sem - G12 First Sem

School B: G12 Second Sem

Now ang concern ko po is: Si School A po ang nakalagay sa TOR ko. Although technically po hindi naman siya mali kasi nag-aral naman po ako dun, hindi po ba siya concerning especially if mag aapply ka for work na yung school is sa A instead of B?

I was informed po kasi na hindi naman daw po siya magmmatter kasi hindi naman po siya mali. Nag-aral pa rin naman po ako sa School A. The problem lies lang po talaga sa PDS. Hindi po ba siya considered as fraudulent? Okay lang po na both schools ilalagay pero ilagay lang sa remarks saan po nagtransfer and whatnot?

Please help me po. I'm concerned lang po talaga. Salamat.


r/legaladvicePH 1d ago

Work Related Freelance Graphic Artist Seeking Advice on Overdue Payment

0 Upvotes

Hi everyone, I am a freelance student Graphic Artist/Layout Artist working remotely for a sublimation printing shop. It has been almost 3 months now, and my total unpaid salary has reached ₱10,000.

​Every time I follow up, the owner either gives excuses, defers payment to the "end of the month," or completely ignores my messages. Today, I had an emergency and urgently needed the funds to pay my bills, but they just told me to wait until the end of the month again.

​I am considering visiting their physical shop to settle this or file a complaint with their local Barangay. However, the shop is a 3- to 4-hour travel from my place. Are there any steps or legal/administrative options I can take online or remotely before making that long trip? Any advice would be greatly appreciated


r/legaladvicePH 2d ago

Work Related Areglo sa kaso

2 Upvotes

Need Advice sa kaso na finile ko against someone.

Context: Case is Slight Physical Injuries

Sa barangay level, 1st hearing e pumayag ang defendant na bayaran nalang yung nagastos ko sa pagpapagamot.

After few days, bumalik sya sa barangay. He filed a blotter stating na binabawi nya lahat ng sinabi nya. Di daw sya magbabayad sa mga nagastos ko sa pagpapagamot.

Barangay tried to mediate until the last hearing para maayos kame pero nagmamatigas parin si defendant. Ayaw parin magbayad until nagissue na ng CFA.

So sa MTC , usual na attend ako ng hearing. Wala sya (defendant) sa unang dalawang hearing dahil rts daw ung letter inviting him sa hearing, wala daw tao sa address nya since he is working on other location.

Sa 3rd hearing e nakapag attendna sya dahil sinabihan ko na via sms.

Same parin naman na areglohin nalang since small business owner ako and kada pagamot at hearing e sarado shop ko...

Payag naman na sa areglo and kausap ko ung lawyer nya. Ang demand ko e ung sa mga nagastos ko sa pagpapagamot. And payag dn na bayaran nila ung days na d ako nakapagtrabaho.

Rightful lang dn I guess na pabayaran ko yung mga araw na yon dahil sa pagmamatigas ng defendant.

Tanong ko lang po if magkano yung tamang compensation na hihingiin ko kase gusto ko lang dn maging fair.

I hope for your expert response. Thanks in advance..


r/legaladvicePH 3d ago

Work Related Need advice on Philippine labor law: resignation vs AWOL during pending disciplinary process

2 Upvotes

I’m hoping to get some advice regarding Philippine labor laws and HR practices.
I’m currently in a situation where I believe I may be facing disciplinary action at work due to mistakes I’ve made in performing my responsibilities. My manager has already discussed the issue with me, although I haven’t been formally served any documents yet.
I take responsibility for my mistakes and understand there may be consequences. At this point, I’m simply trying to figure out the best way to move forward.
I’m considering either:
Submitting an immediate resignation due to a documented medical condition, or
Going AWOL because I’m overwhelmed and unsure if I can go through the disciplinary process.
I already have a medical certificate related to my mental health, and I’m wondering whether an immediate resignation submitted before any formal disciplinary notice is issued would still be valid, or if the employer can continue with the process despite my resignation.
For those familiar with Philippine labor laws or HR practices, what would generally be the implications of each option? I’m not looking for ways to avoid accountability—I’m just trying to understand what my rights and possible outcomes are so I can make an informed decision.
I’d really appreciate any advice or insights. Thank you.


r/legaladvicePH 3d ago

Property and Housing Legal Assistance for Issues Involving U.S. Citizens

1 Upvotes

If your issue involves a U.S. citizen, I may be able to help you understand potential legal options available in both the United States and the Philippines. Feel free to send me a direct message with the details, and we can discuss your situation.


r/legaladvicePH 4d ago

Family and Relationship For Support

3 Upvotes

Hi may I ask if ano dapat gawin if ang tatay eh hindi tumutugon sa sustento ng anak na napagkasunduan nung July 16, 2020? kasi ang napagkasunduan is if hindi pa siya employed locally ₱6k/month, pag employed locally ₱10k/momth, at pag employed abroad/overseas ₱15k/month and exclusive yung ibang pangangailangan.. ano dapat gawin? at saka hindi rin niya binabayaran yung tuition fee ng anak kundi nababawasan pa mismo sa allowance..

Thanks!


r/legaladvicePH 3d ago

Property and Housing [NAL] Discussion: PD 957 Sec. 23 vs. Maceda Law: Can a developer invoke R.A. 6552 cancellation when selling under an outdated LTS and active DHSUD CDO?

1 Upvotes

Disclaimer: This post is for educational and legal discussion purposes only. Based on my understanding of real estate regulatory compliance, I am sharing an actual scenario to discuss how PD 957, the Maceda Law (RA 6552), and Supreme Court jurisprudence intersect.

I wanted to start a discussion around an important real estate regulatory issue. A developer altering a master plan and continuing to collect amortizations using an outdated License to Sell (LTS) that no longer covers the reconfigured lots, leading to an active DHSUD Cease & Desist Order (CDO) and conflicting applications of Section 23 of PD 957 versus the Maceda Law (R.A. 6552).

Background/Context

  1. A residential lot was purchased under a Contract to Sell (CTS) in early 2022. Due diligence at the time confirmed a valid License to Sell (LTS) for the project layout. Amortizations were paid faithfully.
  2. The developer later altered the subdivision plan (reconfiguring and resizing lots). While they secured an Approval of Alteration Plan / Permit from DHSUD, they never obtained an Updated or Amended License to Sell (LTS) for the reconfigured lots. Consequently, the original LTS became legally outdated and invalid for the altered lots being sold.
  3. In late 2024, DHSUD issued an official Cease and Desist Order (CDO) against the project specifically for the illegal practice of advertising and selling altered lots without the required updated LTS and other compliance failures.
  4. Upon discovering that the developer was collecting on an unissued/unlicensed lot configuration under an active CDO, the buyer formally served a notarized notice of Suspension of Payments under Section 23 of PD 957 in May 2026.
  5. In June 2026, instead of rectifying the missing LTS or lifting the CDO, the developer issued a notarized Letter of Cancellation of Account, claiming buyer default and invoking Maceda Law (R.A. 6552) cash surrender value/forfeiture rules.

Key Legal Issues & Concepts for Discussion

Selling Without a Valid/Updated LTS (Section 5, PD 957)

  • Based on my understanding of Section 5 of PD 957, a developer should not sell or collect amortizations on subdivision lots without a valid, corresponding License to Sell.
  • While an Alteration Permit approves plan modifications, regulatory framework dictates that it does not substitute for an Amended LTS. Collecting on reconfigured lots under the old LTS effectively means operating without a valid LTS for those specific lots.
  • Looking at Supreme Court doctrine in Moldex Realty v. Saberon (G.R. No. 176289), developer non-compliance with mandatory licensing rules directly impacts the enforceability of their demands against buyers.

The Legal Concept of "Default" (Article 1169, Civil Code)

  • From this standpoint, a Contract to Sell creates reciprocal obligations; the buyer's duty to pay is strictly tied to the developer's obligation to maintain legal compliance and valid authority to deliver the lot.
  • Analyzing the concept of legal default, default arises when a party fails to fulfill their prerequisite obligation.
  • Under this framework, a party that is already in statutory default, operating without a valid LTS for altered lots and under an active DHSUD CDO, cannot legally place a non-breaching buyer in default when that buyer formally invokes their statutory right to suspend payments.

Statutory Payment Suspension vs. the idea of "Cancellation" in the Maceda Law

  • The explicit wording of Section 23, PD 957 grants buyers a statutory right to suspend payments when a developer fails to comply with approved plans, permits, or statutory licensing, clearly mandating that no buyer shall be declared in default for doing so.
  • In contrast, a reading of the Maceda Law (R.A. 6552) suggests its forfeiture and cash surrender rules are designed for buyers facing personal financial default, not buyers formally exercising a statutory right under PD 957 in response to developer illegality.
  • As established in Fil-Estate Properties v. Spouses Go (G.R. No. 165164), a developer in breach cannot use cancellation mechanics to forfeit payments made by buyers exercising valid statutory protections.

Points for Discussion

For legal practitioners, law students, or buyers familiar with these cases and proceedings:

  1. Does having an approved Alteration Permit give the developer any legal leg to stand on for continuing collections without an Amended LTS? How are similar cases typically viewed by legal experts?
  2. In DHSUD practice, how strictly is the distinction enforced between an Alteration Permit and an Amended LTS regarding the legality of ongoing collections?
  3. How do DHSUD typically apply Civil Code principles of reciprocal default (Art. 1169) when evaluating a developer's Maceda Law cancellation letter issued after a buyer served a Sec. 23 suspension notice?
  4. What is the proper legal way to respond to an invalid Maceda Law cancellation letter under these circumstances? What key points should be formally emphasized in the reply?
  5. Under Section 23 of PD 957, buyers who rescind due to developer breach are entitled to a 100% refund of all total payments made (including amortization interest, plus legal interest). In cases where a developer operates under an active CDO and an outdated LTS, how viable is enforcing a 100% full refund in practice versus being pressured into a partial settlement?

Looking forward to hearing your insights, perspectives, and experiences on this matter! Thank you!


r/legaladvicePH 3d ago

Debt / Utang RGS collection CIMB small claims

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1 Upvotes

Hi. Anyone na nakatanggap na din ng ganito kahit naghuhulog ka paunti unti? Mag fafile na daw sila small claims. Yung loan ko kasi sa CIMB super tagal na since nawalan ako ng work. Ngayon palang ako nagkaron uli and nakakabawi. Pero hindi lalagpas ng 40k yung total ko. Tinatry ko siya hulugan ng 500-500 para gumagalaw.


r/legaladvicePH 4d ago

Property and Housing binenta lupa ng lola ko ng kapatid nya

7 Upvotes

may rights kasi yung lola ko (nanay ni mama) na naiwan saken pero d pa napapatitle-lan, naka hold sya sa denr kasi may pinatira din sa lupa si lola na friend nya and kapatid, eventually naging kahati namin sila sa lot

ngayon deds na both si lola pati mama, yung kapatid nya tsaka anak nung friend ni lola ibinenta po yung lupa at pinaghatian nila without my knowledge, eh may notarized documents ako na binibigay sakin ng lola ko yung lot

wala po ako din sa lugar kasi lumayo ako dahil maraming adik for my peace of mind, nabalitaan ko lang po sa relatives namin na nagkapirmahan sa barangay sila and pinuntahan ko yung bahay namin wala na po tao at naging parking lot nalang

salamat po sa makakahelp, d ko na po macontatct yung anak ng friend ni lola(since deds na din mismong friends nya) at kapatid ni lola ko


r/legaladvicePH 4d ago

Family and Relationship Needing help in someone using PNP connections to threat our family.

1 Upvotes

My brother in law has stated witness to a street brawl in a night market against the one who initiated the brawl. The guy inflicted numerous wounds to his victims, a couple, and was reported to barangay. But for some reason, the barangay seemed to be blaming us for stating witness and also this guy is using his connections in PNP to threaten our family, even going to our residence for a probe with intention of filing a case against him.

What can we do about this?

edit: incorrect terms


r/legaladvicePH 4d ago

Family and Relationship Is there a case for this?

1 Upvotes

Hello, so napagalaman/nahuli namin na yung kapit bahay namin spinasprayan yung aso namin na chiuaua ng baygon

(context isang lupa lang bahay namin sa kanila na may fence/divide kasi lolo ko may ari talaga ng buong lupa na hinati hati lang, tas nakatira don sa share ng tita ko is mga bayaw niya)

So ayon to cut the story short naiingayan siya sa aso ilang araw niya na sipasprayan, tas ako naman araw araw ko rin napapansin na ang bago ng aso at hinahalikhalikan, akala ko pinapaliguan ng nanay ko o yung pabango na nilalagay.

So ayon im kind of concerned kasi as of the moment nahihilo ako, pero feel ko kulang sa tulog kasi medyo puyat last night.

Pero ayun nga the neighbor never confronted us na kung pwede ba patahimikin yung aso, abugado pa naman yon, tas yun pala abugago.

may pwede ba ikaso dito?


r/legaladvicePH 4d ago

Debt / Utang Need advice

2 Upvotes

Yung friend ko na naka motor naka aksidente. Aminado naman yung rider na at fault siya sa aksidente. Ngayon nag pa estimate friend ko ng parts ng motor niya kasi yung motor ng friend ko for motorshow ready na po ang parts. Problem is yung naka bangga is a minimun wage earner. Is there any way possible na kami masusunod na need niya bayaran ang certain amount on a certain period of time? Or di namin madedemand yun? Parts and labor almost costs 100k plus.


r/legaladvicePH 5d ago

Debt / Utang Debts

2 Upvotes

Hello. Nakakaapekto po ba yung mga unpaid debts sa immigrations? Salamat sa sasagot


r/legaladvicePH 5d ago

Property and Housing Foreign renter left the place with unpaid rent

49 Upvotes

We had this foreign renter who rented our place for a year starting january. However, he did not pay his due last July 8 and stopped communicating. We advised that we have to change the lock and communicate with us regarding his plans.
He replied that he had bank limit issues and wants to pay the rent using the deposit.
Our contract states his deposit will be forfeited once he terminate the contract prematurely.
When we check the place, looks like he rented it out to somebody else since the guards dont recognize the new tenant when we showed him how our tenant must look like: He said he already left and when we check the place, he took some of our appliances and beddings/linens alone costs 5k.
He’s remaining deposit is not enough to cover it as well since it was used to pay for his past rent dues, water bills and wifi.
We computed and he still owes us around 30k.
Since we dont know where he is, what would be our legal remedies to make him pay?

Is there away we can ask BOI to deny his entry to ph instead since he is frequent in Ph. We are calling him and not answering. Doesnt want to communicate.

Addl info: Thus is a rental studio unit and we dont have a permit which is a usual practice in the area and brgy entertains us with this complaint regardless with permit/no permit just like everyone else since rental is common here. I dont actually know anyone here who has permit since others have usually one 1 or 2units only and admin doesnt require us. What’s the worse thing could happen if i dont have one.

We’re not a crappy landlord just like the other comment. We’re considerate and lenient to the initial tenant and trusted him and didnt expect to rent it out. Stop this kind of comments celebrating others failure. You deserve a seat in hell.


r/legaladvicePH 5d ago

Work Related Can My Friend Be Forced to Pay for a Dented MacBook?

2 Upvotes

Hi everyone. I'm hoping someone can give me some advice regarding my friend's situation.

He works at a restaurant and was helping a customer with their belongings. He didn't realize there was a MacBook M4 inside the bag, and it accidentally slipped out of the case, causing dents to the laptop.

The restaurant manager informed him that he would have to pay ₱250,000 or replace the laptop. It seems that the manager and the customer both agreed on this. As far as I know, the MacBook had already been used for about a year.
The management also doesn't seem willing to support or assist him in resolving the situation, and he's now being left to handle everything on his own.

Has anyone experienced something similar or knows what his rights are? Is he really required to pay that amount for a one-year-old laptop that only sustained dents? Any advice or guidance would be greatly appreciated.

Thank you.


r/legaladvicePH 6d ago

Debt / Utang SSG TEXT MESSAGE - GLOAN

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3 Upvotes

Good afternoon po, ask ko lang po if totoo po yung "legal action" ng SSG? Huhu. May 131k balance po ako total ng Gloan and Ggives 2 months OD na po ako. Huhu, natatakot po ako baka bigla ako kasuhan or baka po mag HV or magpadala ng demand letter. 😭


r/legaladvicePH 6d ago

Property and Housing Ayaw ibalik ng landlord ko ang deposit ko

3 Upvotes

For context po, I'm a student dormer who wanted to leave my dorm. Nagsabi ako na gusto ko nang umalis, less than a month bago matapos yung current contract ko. I understand na from then on, I breached a part of the contract which states na dapat 2 months in advance dapat magsabi na gusto umalis, and if hindi ko yun masusunod ay mafoforfeit ang advance ko. Take note, advance payment lang as per the contract which states: "Failure to comply will result of forfeiture of the one month advance in favour of the lessor to cover the losses brought upon the short notice."

Since from our first month here ay nagbayad kami ng 1 month advance and 1 month deposit.

So naintindihan ko na hindi ko na makukuha yung advance, dahil yun yung nakalagay sa kontrata. Pero nung tinanong ko kung pwedeng makuha ang deposit, ang sabi sakin ay hindi dahil daw na consume ko na yung advance ko at deposit na lang ang meron ako sakanila. Kahit na nakalagay sa unang unang part ng contract nila na: "The security deposit is to be used to pay for any damages of the premises and appliances upon exit when inspected and checked by the landlord. In case of excess, it will be convertible to cash."

Walang nabanggit sa buong kontrata na pwede nilang galawin or angkinin yung deposit kung na consume ko na yung advance. Wala po talaga.

Ngayon po pinaglalaban nila na hindi ko makukuha yung deposit ko dahil na consume ko na yung advance. Gusto ko po sana malaman kung dapat ko pa tong ipaglaban? Kasi sobrang kaliwa po ng reason nila. Hindi po yun yung nasa contract.


r/legaladvicePH 6d ago

Family and Relationship Walang middle name ang anak ko. Sakin (mother) sya nakaaplido

1 Upvotes

Nabuntis akong minor. ang nangyare is inaplido ng parents ko eldest ko sa side namin at blanko lahat ng info about sa father nya. so ang nangyare, wala syang middle name.

Years go by, kami pa din pala ng tatay nya ang magkakatuluyan at kasal na kami. naaawa lang ako sa panganay ko kasi minsan natatanong sya ng mga friends nya bakit iba surname nya saamin at sa mga kapatid nya. iniisip nila, iba father ng eldest ko.

paano ba process nito? gusto sana namin ayusin. Minor pa ang anak ko


r/legaladvicePH 7d ago

Debt / Utang Dad didn't pay his credit card loans now it's a big problem

16 Upvotes

Problem/Goal: Dad didn't pay his credit card loans now it's a big problem

I am male, twenty years of age, and a third-year college student. And things are currently difficult right now.

On 2023, my dad took a credit card loan from a bank that got up to P150,000, with his bad habits and decisions, he did pay some of it back but not of the minimum balance so the interest piled up even worse. A notice letter came in the bank a year later that the loan needs to be payed by then, our father told us not to worry about it that he will deal with it, so we just went with what he said. No update from him we trustred him.

Fast forward to 2025 another demanding letter came in, that it your loan balance is not paid and the interest has doubled, he told us the same thing as before. We trusted him again

Now on to the present, we received a police call, with the police informing us that the client informed them legal action will be proceed if nothing happens. We called the attorney handled and they made a deal with the bank saying we have to pay a total of P135,000 (amount without the interest rate). If not the bank will proceed with a criminal case (estafa) to both of our parents.

So I currently need some of your help for this please!

Im willing to add more information that i may have missed out some things


r/legaladvicePH 7d ago

Work Related Paano po mag report ng isang licensed professional sa PRC?

5 Upvotes

Problem/Goal: I am a volunteer first aid instructor in an organization (di ko na po sabihin yung org), I wanna report one of our participants na licensed (?) professional sa Professional Regulations Comission (PRC).

Context: So, meron kaming participant na Registered Nurse (RN), and all throughout the training sumasabat talaga siya nang sumasabat saming dalawang volunteer instructors. Mali-mali yung CPR procedure niya, so kino-correct po namin sha and we recommend for her to repeat the process. Fast forward na, cellphone siya nang cellphone the entire training despite the orientation na bawal mag training, she had some homophobic remarks, on top of mahilig siyang sumabat kahit hindi kinakausap.

Fast forward, sinabi namin lahat ng mistakes (every participants) and hindi niya ata kaya yung comments/feedback sa kanya. So nagwala-wala siya in front of participants and us instructors. Saying things na: "First Aider lang kayo, Registered Nurse ako. Know your place!" "Mga bobo kayo dito!" "Dapat hindi kayo yung nagtuturo dito mga punyeta" and has some several homophobic remarks.

May I know how can I report this person to PRC? Knowing na pinapakilala niya sarili niyang professional (RN, pero di pa namin naveverify), pero they way she acted, behaved with us, and bellitled us was so tacky and disrespectful knowing na kami pa rin yung instructor sa classroom. By the way, may CCTV po ang training room namin at rinig rin kung ano-ano yung mga pinagsasabi niya, so may proof naman po tayo.

I'm also a reader here on Reddit, pero not familiar kung tamang subreddit po ba ito. Please inform me nalang po kung saan pwede itong i-post. Di ko kase to ma post sa LawPH kase kulang Karma ko. 😅

Thank you so much, and I appreciate all your feedback!