Tag: Debt Trap Prevention
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Can a Hospital Detain You for Unpaid Bills? Understanding Your Rights Under Philippine Law
Imagine the relief of hearing a doctor say you are fit to go home. You pack your bags, ready to reunite with your family, only to find the hospital billing gatekeeper blocking your exit. They insist that until you settle your balance in full, you cannot leave the premises. This scenario causes immense distress for…
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Escaping the Interest Trap: What the Supreme Court Says About Unconscionable Interest Rates
Imagine a common scenario in many Filipino households. A father borrows PHP 20,000 to cover his child’s urgent hospital bills. Relieved to find a lender who requires no collateral, he signs a simple contract. He notices a mention of interest but focuses only on the immediate need for cash. Six months later, despite paying back…
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