Estafa vs. Bouncing Checks Law
by attyjd
A lot of people are confused by the similarities and differences of estafa and bouncing checks law. Estafa may be committed by the issuance of a worthless check, just like in bouncing checks law. So, in order to have a clearer and simpler understanding of both concepts, I have listed down in a tabular form their distinctions.
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ESTAFA by issuing a check |
BOUNCING CHECKS LAW
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So, by knowing the fine line that separates these two acts you can now clearly determine which one to file when the need arises. However, it should also be known to you that despite having the option to file either one of them, you also have the right to file both of them against the same person, if the elements for both crimes are present. So a person may become liable for estafa and violation of BP 22 by just issuing a worthless check.
Debt Collection in the Philippines 
Hi. May I ask on how to get my money back? the friend who borrowed it disappeared after signing a note that indicated the amount he owes me and he was supposed to pay it all last June2012. I filed a complaint at the Barangay office where his last known address is. However, his uncle denied his staying there. What should I do next? thank you and God bless us all
hi po may tanong ako…..may na issue po sa akin na check dated sept.2012 pero di ko po napa encash kasi ang sabi ng may hiram ng pera sa akin is she will pay me cash in two months time but stiil now wala payment mag two two years na po at yong check is stillcheck napo ano po pwede ko gawin check issued PS bank po…..
Stale check na po iyan. Ask the borrower to replace the check.
my friemd barrowed money from me but failed to pay on the said date I have given her extended date but still she wasn’t able to pay her debts. the debt was made to and agreed through verbal agreement no written communication and just a but O have proof through text message the she has debts from me. amd also she did answer my recent calls. I think shes tryin to get out with the situation without proper discussion. I got worried these days because I found out thats she gumbles and theres alot more debts she have at other people. I really need my money back coz its all I have. if somebody could help me what to do? Thank you
Hello,
I have a question pls. I was granted a loan from a bank and the issued m Post-dated checks as mode of payment. I dont have my own checking acct. Those pdc were issued by that bank for the sole purpose of paying that specific loan. Term of my loan is 36 months. After more than a year, i stopped paying due to financial prob. They are now threatening to file charges for bounced checks. is this covered by that law? consid
Yes Lyn that is covered by the Bouncing Checks Law.
Good day,
I would like to ask for an advice on how we can get my mother’s money back… A now retired policeman owes a big amount of money to my mother… The debt was made year 2006 with a signed document… The guy was still on service and the deal was he would give like 3 percent interest every month to my mother, their business went well for how many months then he started lapsing with the interest and even to the point of not giving anymore and with the capital stuck on his hands… my mother then tried to get the money (capital) from him but failed and even filed a case against him regarding the debt… since she filed the case against him it affected his work, he tried to make an early retirement but with the case against him, he couldnt do anything… so he tried to settle the case with my mother by promising that if my mother pulls out the case he will make an early retirement so he can pay his debt… he even gave my mother an authorization to take the amount he owes her directly from the office where they release retirement funds (i thought its impossible for that agreement to happen)…So my mother agreed, she was keeping track of the day he will get the lump sum but 2 days ago my mother recieved a news that the guy already got his money (all of course) and so now my mother is left with disappointment and is so depressed… the amount is 370K… my mother is now broke, the money she lended to that guy was a part from the money she got from the retirement of my father (deceased; was also a police)… i would be very thankful for an answer… God bless…
Was the case filed earlier a collection case? If it was dismissed without prejudice, you can refile the case.
hi may i ask what would i do i have a bouncing check because my acct was closed i issue a good for 1yr to a lending company but i locked to pay one of there agent from legal collection we have agreement for settlement but because of financial status i still delayed in paying when i deposit to the acct last mo. the agent of legal collection was anger with me because as per the agent he paid for my delayed and i receive a text that he already forwarded my case because of my bouncing check and he told me that they will send me a subpoena what would i do thank you hope for your response god bless
Hi Liza, just follow the instructions on the Subpoena so you can explain your side in court. If you fail to do this, the case will be decided based only on the evidence presented by the complainant.
Can I ask something about Estafa cases? You see I’ve received a check as payment for products I have delivered to a customer and since I needed cash I went to a cooperative bank ang have the check rediscounted. After that the bank discovered that the account was closed and cannot able to contact the issuer of the check. The manager of the bank filed a case against me and I was like why am I the one who is liable or who was blamed? Isnt it that it should be the issuer who should be charged of Estafa? Can you please help me with my problem?
hi Sheng. When you issued the check you were unaware that it would bounce so there cant be estafa. But you should still pay the bank the amount on the check since you were given cash in exchange for it.
may pagkakautang po ako kaso ang pinirmahan po namin ay blanko at walang direct na agreement 5-6 po sa tao yun nga lang po pinapapirma po kami ng walang legal na contract at blanko po anu po ba ang pwede nila maikaso sa akin di na po kasi ako nakakapagbayad dahil wala na po talaga ako pera at ang isa pa ay 20% po ang tubo at payable within 40 days
nahulugan ko na po yung iba may natitira pa po
una sa lahat, ang pagpirma mo sa blankong papel ay pagtanggap na anuman ang isulat nila dito ay sinang-ayunan mo. kung gusto mong patunayan na hindi ka sumang-ayon dito, kailangan mong magsampa ng kaso sa korte para ipawalang bisa ang kasunuduan.
mas mabuti pa rin kung ipapakita mo sa iyong pinagkautangan na willing ka magbayad at pumirma ng bagong kasunduan na magpapawalang-bisa sa una mong pinirmahan.
paano po ba ang gagawin ko. may nag issue po sa akin ng cheque pero wala po pa lang fund. nag balikan ko po ung tao na un nagtatago na po sya ano po ang gagawin ko para mahabol ko po un?
Notify the borrower of this fact. Send it to her last known address. Send also a demand letter. If she fails to pay then you may file a case for collection of sum of money or estafa.
A person loan an amount to me and issued pdc as payment. The the last check was dated march 2014 and she has been putting it on hold ever since siting a lot of different reasons why she can’t pay. I have been asking her to pay and a lot of exchanges of excuses has been made since then. For the past 2-3wks I cannot call her anymore or contact her with all the numbers i have of her. Can i still deposit my check dated march 2014 and if bounces file either or both a case of bouncing check and estafa against her?
Yes you may deposit the check and file a case.
good afternoon po. may inutangan po ang nanay ko, at may pirmahan po sila. 5% monthly interest. humiram po ang nanay ko ng cheke ko. hindi ko po sinulatan ng pangalan ng taong pinagkakautangan nya. nagbabayad po ang nanay ko monthly, hanggang umabot po sa monthly interest na lang ang babayaran. hanggang nakiusap po ang nanay ko na, sana ibawas na sa principal ang hulog nya. pero nitong nakakaraan na buwan, nag de-demand na po siya ng full payment, at hindi na tinatanggap ang hulog. may dumating po na demand letter sa akin. at hinihingi ang buong kabayaran. hindi po binawas yung mga naihulog dati, pati yung napag kasunduan na ibabawas na lang sa principal amount.
wala pong binigay ng cheke ang nanay ko, pero ako po ay natalbugan na ng cheke sa knya, dahil na po pilit niyang hinihingi ang buong kabayaran.
ano po dapat naming gawin? at ano po ang magiging liability ko.
You may be liable for violation of BP 22. Pondohan mo ang cheke na na-issue mo then settle the matter with the lender. Pag fnag file na kaso ganyan din naman ang gagawin but you may be liable for more (e.g. attorney’s fees, damages, etc) Best to settle the matter as soon as possible.
Hi! May nagbayad po saken ng check dated sept 30, 2014 tapos nagtext po sya ngayon na pinaclosed account na nya yun account nya sa bank last week pa kaya sabi nya wag ko na daw ideposit. Wala po sya plano magbayad. Magdemenda na lang daw po ako at alam nya naman daw po ang pwede mangyari. Anu po pwede ko gawin.? Salamat po.
GIve her written notice that the check bounced then send her a demand letter asking her to pay within 5 days from receipt. If she still wont pay, file a case for violation of BP 22 or a simple collection case.
Thankful I read this
Hi, need some advice. We borrowed from a lending company. And due to Financial problems, hindi po namin mababayaran sa ngayon, UNg loan is 3 months past due. One agent texted that, ipapag bounce nila ung check pag hindi nabayaran this week or kahit partial lang na P10,000 lang raw. If we’re not able to settle the amount. I believe that’s under BP22 Violation po db? What is the worst thing po na mangyari for the borrower and what are the next steps that the lender will do. Badly need an advice. Since ung employer ko nakalist ka details ko with the Lending Company, are they also gonna call them? I am just so worried. Wala naman akong balak talikuran ung obligation, its just that compromised na po ung budget din. Thanks
hi po ako po ay my posdated cheque n 2,000 peses dalawa n po ang no funds kc po nawalan ako ng trabaho humihingipi ako ng palugit kahit isang buwan para isetle kya lng po tinatakot ako n ipopost dw ung panagalan o sa dyaryo pati mga character reference ko pwede po ba yon kc po ako naman po ang may uatng bkit po pati character ref, eh kasama bitnbantaan po alo sna po ay maipaliwanag po ninyo kung dapat ba n pati sila eh ay ipost ang name sa dyaryo
Hello po meron po akong tanong since nagkaloan po ako sa kakilala namin na nagpapautang dati meron po kaming collateral na ATM sa pinagtratrabahoan namin in which aware kami 15/30 yung deduction kasali na dun yung interest 10% po sa amount na inutang ko.Ngayon po nag resign po ako sa work 2013 po dahil umaatake yung Vertigo ko dahil call center ako nagwowork at mallit ang sahos ng account ko.Nag-opt po ako na maghomebase at least nasa bahay nlang din at di na masyadong magastos. We inform our loaner naman we keep paying her the amount and penalty nya if delayed dahil minsan 18th and 3rd of the month pinapadala samin ang sweldo through XOOM.Kaso nga lang kinuha na ng may-ari ang laptop ko and kailang ko ng laptop na gagamitin ko po sa work too desperate naghingi ho ako ng favor dahil matagal na rin lang inaalok ng loaner ko ang laptop niya na akala ko yung medyo bago ang ibibigay nya. Nung time na yun my loan pa ako remaining balance 17,000 pesos.Sabi niya ibibigay niya yung laptop worth 20k on top po yun ng loan ko 17k.Dahil my utang din ako sa bhaus ko and single mom po ako grab nalang ako kahit alam ko hindi worth it yung laptop na 20 ACER tapos 5 years ago na nyang ginagamit, ayaw niya kasing mag-patawad sa presyo.So all in all 37k na utang ko 3700 ang interest sabi ko babayaran ko xa for one year kasi dko rin kayang bayaran after 6 mons, Ngayon dahil walang trabaho sa america during xmas at thanks giving nagka problema kami na ma on time ang pagbayad sa kanya . Ang ngyari dinagdagan niya ang utang namin percentage pag di mabayaran on time.So, umabot po ng more or less 97,000 lahat nabayaran ko sya ng 16k pero ngayon nung sunod sunod na di ko sya mabayaran dahil inuna ko yung bahay dahil may utang din ako sa renta. Kinuha niya sakin June of 2014 ang laptop pumayag ako dahil pra di lang lumaki ang utang ko 80k nlang kasi para di ako magkapenalty muna habang hanap ako ng paraan na mabayaran ang loaner ko it means wala rin akong income dahil wala na ang laptop sakin.Ang nagyari ngayon 100,000 na utang ko dahil naglagay xa nga penalty within 2 months na wala akong bayad.Sinabi ko na hindi kayang bayaran pwede ibalik sa 80k e dedemanda daw niya ako dahil yun ang gusto ng kasamahan niya sa association nila.Hindi ko talaga kaya ang 100,000 paano po yung sitwasyon ngayon willing naman po ako magpay pero nasa kanya ang laptop tapos ngayon few hopurs a day lang ang work ko dahil wala akong laptop.Tama ba na gawin niya sakin yan? Ano ang gagawin ko pra kahit papano ma-fair din naman sakin dahil luma pa yung laptop niya at maysira na pero worth niya is parang new laptop and hindi naman pera po yung inutang ko personal property niya ang laptop.
Hi Atty..
Sobra po akong baseless sa subpoena na aking natanggap. Nagloan po kasi kami ng kapitbahay ko dati sa puregold sakin pinangalan kasi mas maganda ang trabaho ko. Pinag isyu ako ng checke. kabuuan ng halaga na dapat ko bayaran.. Nung una ay ayos mag hulog ang kapit bahay ko . nung huli puro na po ako paluwal. may kasulatan kami ng kapit bahay ko. Hanggat sa umabot na kami sa brgy. tapos sinabi ko din sa puregold iyon. kaya ang ginawa ko po pina closed ko ang checking accounts ko at na inform ko ang puregold na huhulugan ko nalang ang loan ko sa affilitaed bank nila at yun po ang ngyari hanggat sa mabayran ko ang loan ko at sinabi din nila na sila na ang bahala maningil sa kabitbahay ko ngayon pina subpoena nil ako sa kasong BATAS pambansa blg 22. na pinaaddress sa opisina k at nakalagy po doon ay pumunta sa prosecutor office ng october 16 , samantalang inabot lang sakin ng gurad namen nkaninang umaga. anu po gagawi ko atty
Pumunta ka sa hearing sa fiscal. Magpaliwanag ka lang na nabayaran na ang loan. BP 22 punishes the mere act of issuing an unfunded check even if it as issued as a guarantee or security to a loan secured. Maari kang makiusap sa fiscal na wag na ituloy ang demanda. Mas mabuti kung makakahingi ka ng kasulatan sa bangko na katunayan na bayad na ang utang.
Hi, meron po akung na issue na cheque amount of 6000. na-closed po yung checking account ko due to insufficient fund. Then, I’m trying to contact yung na issue-han ko ng cheque but out of reach. gusto ko po sanang i settle pero hindi ko mahagilap yung tao. Ano po pwedeng mangyari sa akin? automatically po ba file a case for BP22?
You should receive a notice of dishonor and a demand to either replace the bounced check before a BP 22 case is filed against you.
gud afternun po.. ung mama ko po kac ay nakasuhan ng estafa.. kasi nag issue siya ng tseke long time ago.. kasi nghiram siya ng pera sa relative namin which is 150k na umabot po ng 360k dahil sa interest.. nakapagbayad na po siya ng 100k.. pero inabot talaga na wala ng pera.. gustuhin man po naming bayad pero wala na po talaga kame pera.. nglabas ang warrant nya at nahuli siya ngayon at nakadetain sa station ng police.. sa totoo lng po hindi po talaga namin alam ang gagawin.. at wala po kameng kapera2.. ano po ba ang puedeng mangyari??.. puede po ba namin iask sa judge na mgbabayad kami pero konti lng po talaga ang kaya naming ibayad.. baka makaproduce kami ng pera pero 50k lng po cguro ang pinakamalaking kaya namin.. tatanggapin po ba ito ng judge.. iinstallment nlng po namin ang kulang..??.na 5k per month.. marami pong salamat..sana matulungan nyo po ako.. salamat po..
Meron po akong loan sa mga banks at nag issue ako nang check. ngayon po ay nahihirapan na akong pondohan yung mga checks na issue ko. di na kasi po enough yung suweldo ko vs sa mga loans ko. pwede po bang mag request ako nang amnesty na pwedeng habaan yung terms? or something?
Hello po, ask ko lang po regarding sa case ko, nagloan ako from equicom issuing them a pdc from rcbc, then last feb po nagclosed na po siya kasi nag insufficidnt balance siya..then nakapag abroad na po ako..gusto ko po sana bayaran ung loan ko nitong december..do u think po the bank already filed a case against me?
Hello po, ask ko lang po regarding sa case ko, nagloan ako from equicom issuing them a pdc from rcbc, then last feb po nagclosed na po siya kasi nag insufficidnt balance siya..then nakapag abroad na po ako..gusto ko po sana bayaran ung loan ko nitong december..do u think po the bank already filed a case against me?thanks.
Gd evening po, Maari po ba akong magtanong kasi po naka utang kami sa lending company bago umalis ang mister ko papuntang ibang bansa. Nag issue po ako ng cheque para sa monthly payment na babayaran sa loob ng 10 months pero di po naihuhulog kasi pinapa moved ko po dahil sa sahod ng mr ko, late ang dating. Pero nung pagdating ng sept. 2014 nag partial ako nag kulang tapos di ako nakabigay ng oct tapos nag bayad uli ako ng nov patial uli dec di po uli at itong jan 2015 patial uli. Sinasabi ko po sa kanila kung bakit di ako nakakabayad kung ano anong masasakit nasalita ang sinabi sakin at sabi ipapakulong daw po ako sabi ko naman sa kanila reconstruct ko yung balance namin ang sagot sakin wala daw sila noon kasi nagka problem lang po kami. Sinabihan po kasi ako nung Jan 20 na wag nadaw po akong magbayad dahil di ko po nabayaran yung balance ko na 3 months pero ang contract po matatapos ngayong feb 2015.Ano po ang dapat kong gawin wala po akong maibabayad na cash sa balance ko ngayong feb. Makukulong po ba kagad ako kung sakaling sundin ko yung sa collection nila na wag na ako magbayad.