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TOPIC: Salary-Bank Loan

Salary-Bank Loan 3 years 1 month ago #17042

  • lilith
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Una po sa lahat, maraming salamat po sa pagkakaroon ng ganitong uri ng online consultation specifically po tungkol sa batas. Napakalaking tulong po ito para samin. Maraming salamat po ulit.

Nagloan po ako sa isang bangko (salary loan), last year, 150k. Nakakabayad naman po ako nung una, 3-4 times sa pagkakatanda ko po, hanggang sa mawalan ako ng trabaho (terminated) at di ko na po ulit nasundan ng bayad. Hanggang sa ngayon po, mahigit isang taon na po kong walang trabaho. Asawa ko lang po ang may trabaho at hindi po sapat ung kita nya para po matulungan ako sa pagbayad at meron po kaming tatlong anak na kailangang suportahan. May pinadala na pong "Agreement Letter" galing sa isang law office, naglalaman po un ng 3 options. Unang option po, magbabayad po ako ng isang bagsakan na 100k para daw po ako ma-clear (hindi po namin kaya). Pangalawang option po, magbabayad kami ng 25k kada buwan (for 6 months) amounting to 150k para po ma-clear (hindi rin po namin kaya). Pangatlong option po, magbabayad kami ng 10k sa darating na buwan at ung mga susunod na buwan po 5k na lang hanggang sa mabayaran namin ung amount na 191k+ (hindi rin po talaga kaya). Sa huling statement of account po galing bangko, 154k+ lang ang balance (June10, 2016). Hindi ko na po alam ang gagawin. Natatakot po ako baka kasuhan po nila ako at makulong, maliliit pa po mga anak ko. Maluwag po sa kalooban ko ang makabayad, hindi lang po sa ngayon dahil wala pa po akong trabaho at hirap din pong makahanap.

Maraming salamat po ulit at sana po magpatuloy pa po kayo sa ganitong pagtulong. Sana po wag kayong magsawa. God bless po.
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