Never act as guarantor for another’s debt PDF Print E-mail
Tuesday, 21 August 2018 15:11



LIFE’S INSPIRATIONS: “… Do not be one who shakes hands in pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you…” (Proverbs 22:26-27, the Holy Bible).


TACTICS IN THE FIGHT AGAINST DRUGS COMPLETE FAILURES? Two compelling news items were published by media outlets on Saturday, August 18, 2018, regarding illegal drugs. The first one was the news that almost P2 million worth of shabu were confiscated from four men during a buy-bust operation in Tondo, Manila. The second was the report that some P24.1 million worth of ecstasy was intercepted by the Bureau of Customs at the Ninoy Aquino International Airport itself.

These news items came in the heels of many other reports of authorities confiscating hundreds of millions of shabu in the country during the last several days, or weeks, or even months. If we will inquire from Google and look into the word “shabu”, almost all the news about this illegal drug, from many parts of the Philippines, will readily be available.

This is one concrete proof that the tactics being employed by the Duterte government in its fierce and bloody war on illegal drugs are complete failures. Indeed, despite the many killings attributed to this drug war in the country in the last two years that President Duterte is in power, the proliferation of drugs had not been solved. Clearly, there are other things that must have to be done to effectively combat the menace of illegal drugs in the Philippines.


WE SHOULD TEACH FILIPINOS FEAR AND LOVE OF GOD TO TRULY FIGHT DRUGS: Really, what other methods or tactics should be employed so as to effectively fight the scourge of illegal drugs hereabouts? The Duterte government, I submit, should insist on bringing back good manners and right conduct among Filipinos, and the fear and love of God as well.

If Filipinos will start having good mindsets, godly behavior and humble character, having sincere fear and true love of God in themselves, to boot, then they will start shying away from drugs. A Filipino national who knows what is right and wrong, and who has full understanding of God’s power, or of what He can do, would surely stop using illegal drugs. For he will know that drugs would only ruin his life, and even the lives of his loved ones and friends.

The fact is that, as of now, because the hearts and minds of many Filipinos are wayward and full of venalities, and because they no longer have any fear and love of God, they no longer have misgivings about splurging on drugs. Truth is, many are now ready to kill others just to sustain their vices, especially on drugs. And because they are controlled by drugs, even the most heinous of crimes are easily committed by them. This is what should be changed, if Duterte wants to stop illegal drugs.


NEVER ACT AS  GUARANTOR FOR ANOTHER’S DEBT: This is a problem tossed to us by a college professor from Bataan, “Atty. Batas, my mother acted as a guarantor in favor of her friend who obtained a loan. The friend is now residing abroad. It is my mother who is now being asked to pay for the loan. Can we fight this demand against my mother?”

According to the LAWYERS IN THE LIGHT (or Lawyers Instructed on Godliness, Humility, and Truth), this is the law on guaranteeing another person’s obligation: There are two aspects of being a guarantor over a loan of money. The first is that, the person who acted as a guarantor shall be considered an ordinary guarantor, who cannot be asked to pay until the debtor who received the loan is proved to be without any means to pay the loan.

Second, a guarantor can also be considered a surety, which means that the guarantor can immediately be asked to pay the moment the debtor who received the loan fails to pay. In surety, there is no longer any necessity to prove that the debtor no longer has the means to pay. The law considers the surety as the one directly responsible for paying the obligation. Thus, it is necessary for those wanting to help others to obtain a loan to be careful about acting as guarantors.


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