In the Philippines, individuals who act as co-makers for loans may find themselves facing harassment from loan companies, especially in cases where the borrower defaults on the loan. Harassment tactics may include threats of public humiliation, such as posting pictures on social media to label the co-maker as a scammer. While such actions are unacceptable and may constitute illegal behavior, co-makers have legal rights and recourse to protect themselves from harassment.
Under Philippine law, harassment, whether in person, through written communication, or via electronic means, is prohibited and may be punishable under various statutes, including the Anti-Bullying Act, the Cybercrime Prevention Act, and the Revised Penal Code. Harassment tactics employed by loan companies, such as threats of public shaming, may constitute violations of these laws.
Co-makers who experience harassment from loan companies have several legal options available to them. First, they may choose to communicate directly with the loan company to request that the harassment cease immediately. Documentation of all communication, including text messages, emails, or letters, is crucial for evidentiary purposes.
If direct communication does not resolve the issue, co-makers may seek legal assistance to explore their options for filing a complaint with the appropriate authorities. This may involve reporting the harassment to the Philippine National Police (PNP) or the National Bureau of Investigation (NBI) if the harassment involves threats or extortion.
Additionally, co-makers may consider seeking the assistance of legal professionals, such as lawyers or legal aid organizations, to explore potential legal remedies, including filing a civil case for damages against the loan company for harassment and defamation. In cases where the harassment constitutes a criminal offense, co-makers may also file a criminal complaint with the relevant law enforcement agencies.
It is essential for co-makers to be aware of their legal rights and to take proactive steps to protect themselves from harassment by loan companies. Keeping detailed records of all communication and seeking legal advice when necessary can help co-makers navigate the legal process and pursue appropriate legal action against those responsible for harassment.
In conclusion, co-makers facing harassment from loan companies in the Philippines have legal rights and recourse to protect themselves from such behavior. By understanding their legal options and taking proactive steps to address harassment, co-makers can assert their rights and seek justice under Philippine law.