19/05/2026
WHY A "SIMPLE TEXT" ISN'T A LEGAL DEMAND. 📧⚖️
Many people think that messaging someone "Bes, bayad ka na" is enough to start a legal case. But under the Philippine Civil Code (Art. 1169), a debtor is generally not in "legal delay" until a formal demand is made.
Why you need a formal Demand Letter:
It triggers "Mora": This is when legal interest and penalties officially start to accumulate.
It is a prerequisite: Many courts and agencies (like the NLRC or Small Claims) look for proof of a prior demand before accepting a case.
It shows seriousness: A letter on a lawyer’s letterhead often settles a dispute without ever going to court.
Don't just "request" your rights—demand them properly.
DISCLAIMER: This post is for informational purposes only. No attorney-client relationship is formed. Consult a lawyer for your specific concerns.