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When Debt Becomes a Legal Problem: Consequences, Rights, Remedies, and Protection Mechanisms

Debt is rarely just a financial transaction. In the Philippines, it is a deeply personal issue that ripples across emotional, mental, social, and spiritual dimensions. For many Filipinos, borrowing is born out of necessity—triggered by sudden medical emergencies, tuition deadlines, business downturns, or urgent family needs. However, when borrowing becomes excessive, it quickly morphs into…

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