first time here sa reddit
hello po, i really don’t know what to do na po. :(( my mother got a phone through Home Credit installment and promised to pay the monthly dues, pero once lang po siya nagbayad. ang mas nakaka-stress po is ginamit niya yung name, phone number, and address ko for the installment. ngayon, nakatanggap po ako ng message from Home Credit saying na may barangay hearing na daw po.
my mother and i are no longer in communication. i tried contacting her before para ipaalala yung utang niya, pero puro panunumbat lang po ang ginawa niya. it seems like she has no intention of paying it at all. separated na rin po sila ng father ko matagal na, that’s why lulubog lilitaw siya pag may kailangan lang siya ganon or pag nakaalala minsan (before).
i’m still a student po, and i don’t have the money to pay for the remaining balance since marami rin po akong ibang gastusin. finals na rin po namin, and i’m already dealing with a lot of personal problems. this situation is affecting me mentally and emotionally kasi hindi ko alam kung ano ang pwedeng mangyari.
i’m worried about the possible consequences of this unpaid installment, especially since my personal information was used for the transaction. i also don’t know what to do about the barangay hearing, since wala rin talaga akong panahon doon at may klase rin ako.
what should i do po in this situation? may legal consequences po ba sa akin kahit mother ko ang kumuha ng phone at nangakong magbabayad? paano ko po mapoprotektahan ang sarili ko, especially since wala talaga akong kakayahang bayaran yung utang niya? i’m really stressed and scared right now because i feel like i’m being held responsible for something i didn’t intend to take on. :((