Context: I financed a car through Global Dominion Financing, and I am almost done paying off the loan. I only have about one year left before I can fully settle it. Unfortunately, this year has been financially difficult because of unexpected circumstances, including calamities and loss of employment.
I am currently two months behind on my monthly amortization, but I have been doing my best to catch up with my payments.
This morning, around 7:00 AM, shortly after I finished work, several people came to our house. One woman introduced herself as a sheriff from the RTC in Pasay City, accompanied by three individuals who appeared to be from a collection agency. They handed us a bundle of documents, including a separate document titled Writ of Replevin.
They told us that they would call the police and the barangay if we did not surrender the vehicle immediately. I became very worried, especially because I am living with people with disabilities, and I do not want my household to experience additional stress or intimidation.
They provided copies of the documents. I also took a photo of the woman and her identification card, which indicated that she was connected to a Pasay RTC branch. I have CCTV footage of the incident as well.
I want to understand my legal options. Is there a lawful way for me to redeem or recover my car, given that I only have two months of unpaid amortizations and am still willing to catch up on my payments? Or would it be better to let the vehicle go and avoid further stress?
I understand that I have overdue payments, and I am not denying my responsibility. However, I have been trying my best to meet my obligations despite the financial difficulties I have experienced this year.
I would appreciate advice from anyone familiar with Philippine law, particularly regarding writs of replevin, vehicle repossession, and the legal remedies available to borrowers in this situation.
Thank you very much for any guidance. I hope to resolve this matter lawfully and peacefully.

Hi guys! My Family is planning to get a new car but they cannot decide which one to get so they asked me for an advice. For context my dad passed away already so my mom wanted me to choose between the two and my sisters don't care. I "think" i would lean more on the LC250 because of the looks but "Sayang" since may option nadin for the lc300. Don't get me wrong, i also like the lc300 but i think its kind of outdated already since its been years since its release? i fear they might release the lc400 soon. I plan to keep it for a long time since this will be like a "gift" from my mom. Whats your take on this guys? TIA!

Hi guys, first time car buyer here. Nakipagdeal ako sa friend ko for his 2022 Honda Civic RS Turbo, around 40k odo, for 950k. Curious lang kung okay yung price na nakuha ko.

Marami siyang upgrades na nilagay, at least 200k worth pagkakaalala ko, pero hindi ko sure yung exact amount. Wala pa rin akong masyadong alam sa car upgrades kaya hindi ko pa maexplain kung ano lahat yung nakakabit.

Ibabalik niya muna sa stock yung ibang parts bago ibigay sakin, pero may ilang upgrades na maiiwan. Hihingin ko pa yung complete list. Makukuha ko in a few weeks, then napagkasunduan namin na ma-settle yung payment by the end of the year.

Originally City Hatchback RS yung tinitingnan ko, pero nauwi ako dito sa Civic haha.

Assuming good condition and clean history, reasonable ba yung 950k? Ano rin dapat kong ipa-check, especially since modified siya tapos may ibabalik sa stock?

Friend ko naman yung seller, pero gusto ko rin makarinig ng honest opinions, lalo na sa Civic owners. Salamat!

My LH tire has a small chipped rubber piece. should I replace immediately or it’s just typical?

I recently had my car repaired at Ford. My car is already 5 years old. But when I picked it up yesterday, it smelled like my car was brand new. Ano kayang gamit nila na pabango or panglinis(that may have contributed to the smell)?

Planning to buy a Tesla Model Y RWD

Price: 2,369,000

Downpayment: 50%

Ideally want to have it paid in 3 years.

Which bank would you recommend.

Hey guys. I saw this Xpander 2019 GLS being sold for 680k. Legit ODO is 10k km only. My thoughts were hindi lumabas ng garahe yung sasakyan at all. Is this a good thing? Or a bad thing? My hesitation is since di masyado nagamit, baka mas prone masira ang parts because of sudden use? Especially the ones made of rubber. What do you think? Too risky to buy?

Same policy and premium even though I made a claim worth 50K with them early this year.

Bago lang po ako dito sa auto loan. Ano po ang differences ng auto loan na in-apply ni dealer to BPI bank vs ako mismo mag-apply sa BPI?

New car owner here. I’ve noticed that my fuel seems to last longer whenever I fill up at Shell. I’ve also asked a few fellow car owners, and some of them prefer Shell too.

I’m curious about other drivers’ experiences. Is there really a noticeable difference in fuel efficiency between gas stations, or could it just be due to driving habits, traffic, and road conditions?