need your advice

[yumi]

2 months kaming hindi nakabayad ng monthly amortization sa bank. May tumawag sakin na taga bank na nasa legal na daw ung papers namin. She asked me to issue a pdc to pull out the papers sa legal department nila. Malapit na ung due date ng binigay kong check..medyo may problem kami ngayon financially.

Ask ko lang.. kapag nagbounce ung check na binigay ko magdedemanda ba ang bank sakin?

Ilan days/months po ba bago mareposses ung car?

Salamat.

[vinj]

Ask ko lang.. kapag nagbounce ung check na binigay ko magdedemanda ba ang bank sakin?

B.P.22

Read your contract with the bank first and foremost. If you can't pay, inform them and voluntarily surrender the vehicle bago magka kaso pa (added cost on your side). If you have a friend or relative willing to buy the car from you and settle the full balance then do so immediately.

[shadow]

Tinatakot ka lang ng bank mo, Mas gusto nila magbayad ka Kesa Sa kunin nila kotse...just return the car and pull out your PDCs...

Huwag ka matakot kung kung sabihin mag demanda sila collateral naman yan kotse, soli mo Lang Tapos na yan...

Cut your loses..Kung hinde mo na kaya, huwag ka na manhinayan Sa kotse at mga nahulog mo



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[_Qwerty_]

ilang months na naibayad nyo?? kung bago pa lang naman.. just return the car.. wag ka mag issue nang PDC tapos di mo sure na malalagyan mo nang pondo.. pag nag bounce yan.. magpapatong patong ang problema mo... just return the car..

[1D4LV]

mas delikado mag issue ng PDC. pag tumalbog, criminal case.
kung below one year mo pa lang naman nakukuha yung oto, balik mo na lang kung hindi mo na kaya. better that than magkaproblema in the future.

[chrismarte]

talbog na PDC sa isang araw may certain percentage sila na papatong yung akin dati nawala sa isip ni misis na may inissue sya na PDC tumawag yung bank hapon na so kinabuksan na nadagdagan yung pondo ng account, nagbayad kami ng penalty. pero kung paulit ulit malamang BP22 na nga ang bibigay sayo.

Kung may problem financially give up na, mahirap magkapatong patong nang utang TS, kung may sasalo na kamaganak o kakilala mas mabuti.

Remember na huwag magbabayad ng utang na galing din sa utang ang ipambabayad.

[yumi]

salamat po sa advice

[rnillas]

HI, Yumi, if you cannot finance your mortgage don't surrender the car but sell it to friends so you can recover some of your cash paid.....consult people at <kotsemogawako*gmail.com>, they might be able to help you.

[mark_t]

Don't issue PDC if you do not have the cash yet. Make it a rule.

Ask for a account officer who you will deal with exclusively. Keep communications open.

You have 1 year to fix your finances.