Money muling activities penalized under RA 12010
Dear PAO, A few months ago, a former college classmate asked me if he could borrow my bank account. Since I had just returned from working abroad and wasn’t using my account with XXX bank, I declined his request. He approached me again a few weeks later, offering a significant amount of money. He even […]
Banks must disclose pre-payment costs
Dear PAO, Do banks have an obligation to disclose not only the terms of a loan but also other aspects, such as the costs of pre-paying a loan? My brother, a fisherman, obtained a loan from a bank in our province. He only has a few months of amortizations left until he pays off his […]
Lesbians not exempted from liability under RA 9262
Dear PAO, I have a sister who is a lesbian. She has been in a relationship with her partner for almost a year. My sister would beat her partner whenever she was drunk. Now, her partner is saying that she had enough and threatened to file a criminal case for the abuses she suffered. I […]
Mandatory waiting period before filing a petition for Philippine citizenship through naturalization
Dear PAO, I am a refugee from a Middle East country constantly ravaged by war. I have been living in the Philippines for 12 years, and it is my intention to acquire Philippine citizenship. I have been inquiring about the naturalization process, and I was told that I need to submit a declaration under oath […]
Registration of e-motorcycle operating in a public highway is mandatory
Dear PAO, I have been a delivery rider for almost six months now. I use an e-motorcycle in my deliveries for practical reason since I am not required to register the vehicle. My problem started when a traffic enforcer flagged me down for an alleged traffic violation. The incident happened on a public highway, and […]
Acts constituting unauthorized practice of optometry
Dear PAO, My organization is planning to conduct charity works for the most neglected members of our society, like the elderly. We plan to visit a remote barangay in one municipality, and distribute rice, reading glasses, and other items to senior citizen residents. A pre-evaluation will be conducted by one of our members on the […]
Teaching allowance for public school teachers is not subject to tax
Dear PAO, My niece will teach at a public elementary school in our province this coming school year. This will be her first regular job, and while she is quite excited about her new endeavor, she is concerned about the possible expenses she may incur as a teacher. A barangay official told her that public […]
Illegitimate child’s birth certificate | The Manila Times
Dear PAO, The father of my children executed an affidavit acknowledging his paternity and registered their births without my knowledge and consent. As a result, the birth certificates of my children do not contain my signature. Since we are not married, can I have those birth certificates canceled? Rita Dear Rita, Article 176 of the […]
Heirs are not liable for their parents’ debts
Dear PAO, In 2019, my mother borrowed P500,000, evidenced by a contract of loan. Unfortunately, she died before she could fully pay. She was only able to pay P100,000. She did not leave any property nor any money for us to inherit. The creditor is arguing that my sister and I should pay the remaining […]
Burden of proof when accident is used as defense
Dear PAO, My uncle was deeply asleep on his swing chair outside his house when a creditor arrived to demand payment. Startled and awakened by the victim’s hands that touched him, my uncle, who was a former soldier, instinctively but unconsciously threw a punch to the creditor, which caused the latter to fall to his […]