Diskarte : Guidelines On Credit Cards Paranoia

Diskarte Bulletin


Aside from using e-mails, our blogspot and wordpress sites, some of our friends
likewise utilizes SMS.

Suggest we only use phones ( my CP and landlines) for URGENT issues like nervous attacks
due to collectors current visits etc. since I also accept diverted calls from collectors. Isa pa
bilis ma-ubos load ko! D

note: I receive SMS from a Diskarte family member hourly.

Trespass to dwelling

Art. 128. Violation of domicile. — any public officer or employee who, not being authorized by judicial order, shall enter any dwelling against the will of the owner thereof, search papers or other effects found therein without the previous consent of such owner, or having surreptitiously entered said dwelling, and being required to leave the premises, shall refuse to do so.

Art. 280. Qualified trespass to dwelling. — Any private person who shall enter the dwelling of another against the latter’s will…. by means of violence or intimidation

The penalty is prision correccional
Minimum 2 years, 4 months and 1 day maximum of 6 years
AND a fine not exceeding 1,000 pesos.
Bail required P12,000.00



  1. Thank you sir rene. i’ll be printing this excerpt for proof para dun s mga gahamang collector n balak magpumilit pumasok d2 s bhay nmin.

    Comment by Edwin — July 22, 2008 @ 7:07 am

  2. Thanks banker. Post ko to sa gate namin.. hehe

    Comment by reddragon — July 23, 2008 @ 12:37 am

  3. When 3 people from Molaer Law Office came to the house to look for my son, I thought I’d faint, my knees weakened, and felt like am going to have diarhea..sa lahat ng takot ko talaga ang magkarun ng kaso, wala akong kaalaman sa mga ‘rights’ ng hinaharass…Now, am so glad you touched our lives…khit hindi ako ang me utang…(I do wonder why I’m taking all these cudgels for my son, who’s so deadma to the world, ganun ata tlaga mga moms)

    Mr Banker, I thank the Lord for your being the channel to help these people who’s feeling scared and hopeless due to their debts. Am so glad you find time to answer all their queries, eh, ang dami-dami nun…you’re family and friends must be very very proud of you…Maybe I’ll name you as Mr Intrepid…you are such a dauntless and brave person who’s only intention is to help those that are ignorant of their rights…yea, the world will be such a better place to live in if we have more like you…

    The wallpaper of my computer are the two Angels of Rafael…seems like we common tastes…Thanks again for your help…CIAO…

    Comment by Anna Ferry — August 28, 2008 @ 11:57 am

  4. Anna Ferry,

    your “thank you” is already enough to keep me going.
    “Debt is a finance problem, why hire a lawyer?”
    This sums up my belief ( its a chapter of the blog at
    blogspot and here at wordpress)

    thanks for visiting this site. 🙂

    Comment by banker — August 28, 2008 @ 12:07 pm

  5. hi sir rene.. anu po itong responsibility covered under RA 7975, Sec. 5?

    Comment by new daddy — September 3, 2008 @ 8:59 am

  6. RA 7975 outlines kanino dapat mapunta yung civil cases nating :
    Below P400,000( MM) – MTCC mag-handle
    Above that – RTC na

    since most of our utang are below P400,000.00 yung sinasabi nila na they will file a case sa RTC is MALI.


    Comment by banker — September 3, 2008 @ 9:04 am

  7. Sir,

    Napakalaking tulong po ninyo sa aming lahat. Para sa mga taong tulad namin na walang matakbuhan at walang magawa kung hindi ang matakot lang. Kahit hindi ko pa nareresolba ang problema nakahinga ako ng medyo maluwag. Sana makatulog n din ako ng maayos. God bless you more sir rene! Yung katalinuhang binigay ni Lord sa inyo ginagamit nyo sa magandang paraan. Sana ho dumami pa po ang tulad nyo. Sana rin po matulungan nyo rin po akong maayos problema ko sa CC ko.

    Maraming Salamat po sir!

    Comment by jennifer — September 3, 2008 @ 6:01 pm

  8. I’ll try to help all sa makaya ko. the guiding rule there is :
    Rule No. 1 – if you cannot pay, dont.

    Dare To Say NO. ( la naman sila actually magawa sa yo)

    Comment by banker — September 3, 2008 @ 6:09 pm

  9. Sir thnk u so much u have enlighten me a lot.sir pwd mgtanong may utang ako s hsbc mga 100k cge po tawg s ofc sbi mg ocular investigation dw s bahay nmin tapos tatawg s hr nmin n e hold ung salary ko.totoo po b to sir?

    Comment by Arns — May 19, 2011 @ 3:26 pm

    • LIES.
      can you believe a collector/messenger?

      Comment by banker — May 19, 2011 @ 4:38 pm

  10. Sir thnk u po s response nyo s letter ko. . .

    Comment by Arns — May 25, 2011 @ 4:10 pm

  11. any law against collectors na tumatawag sa ofis ng di mu binigyan permiso? na trace lang nila tel num ng ofis

    Comment by jr — May 17, 2012 @ 1:33 am

    • marami.
      Revised Penal Code – Undue Vexation; Coercion ; libel
      refer also to BSP Cir. 398

      Comment by banker — May 17, 2012 @ 5:35 am

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