Atty Chrissy Sabella

10/02/2026

Be wary of Online Lending apps

⚠️ 𝗔𝗗𝗩𝗜𝗦𝗢𝗥𝗬: 𝗟𝗜𝗦𝗧 𝗢𝗙 𝗨𝗡𝗥𝗘𝗖𝗢𝗥𝗗𝗘𝗗 𝗢𝗡𝗟𝗜𝗡𝗘 𝗟𝗘𝗡𝗗𝗜𝗡𝗚 𝗣𝗟𝗔𝗧𝗙𝗢𝗥𝗠𝗦

Ipinapaalala na ang mga sumusunod na Online Lending Platforms (OLPs), applications, at websites ay 𝗵𝗶𝗻𝗱𝗶 𝗮𝘄𝘁𝗼𝗿𝗶𝘀𝗮𝗱𝗼 𝗮𝘁 𝗵𝗶𝗻𝗱𝗶 𝗽𝗶𝗻𝗮𝗽𝗮𝗵𝗶𝗻𝘁𝘂𝗹𝘂𝘁𝗮𝗻 na mag-alok, mag-process, o magpautang, alinsunod sa SEC Memorandum Circular No. 10, Series of 2021 na nagpatupad ng moratorium sa mga bagong OLPs simula 02 November 2021:

Google Play Store
1. ZRT Cash: Fast Cash Loan
2. Temple Cash Secure Loans
3. Peso Money - Easy Online Loan
4. Yaman Now - Online Peso Loan
5. PeraMada
6. Fast Pera PH Safe & fast loan
7. USCREDIT
8. VIP Finance - Easy Funding
9. Kapit Cash

Apple Store
1. TalaCredit-loan app quickly
2. Credipillar-Smart credit
3. Kuhacash-loan app Philippines
4. Pesoking-mabilis cash loan app
5. Dolo Loan
6. Atome Peso - Mabilis cash Loan
7. Fund Circle- quick Peso Loan
8. Instant Loan-Mabilis cash Loan
9. Pera Cash -Quick Peso Loan app
11. Peso Now--Loan App Philippines
12. Lucky Loan- happy cash loan app
13. Bilis Peso- Mabilis Cash Loan
14. IPC Loan- mabilis cash & loan app
15. YiuconCredit-loan app & pesoloan

Websites
1. MII cash
2. Bilis Cash
3. Fusecash
4. Flexible Cash Loan

Para sa katanungan, reklamo, o pag-report sa mga ilegal na nagpapautang, mangyaring makipag-ugnayan sa:
📞 14732
📥 SEC iMessage Portal: https://imessage.sec.gov.ph/
💻 SEC Official Website: https://www.sec.gov.ph

Para sa listahan ng mga awtorisadong OLPs, bisitahin ang opisyal na website ng SEC: https://www.sec.gov.ph/lending-companies-and-financing-companies-2/list-of-recorded-online-lending-platforms

Basahin ang kabuuan ng advisory dito: https://www.sec.gov.ph/advisories-2026/advisory-re-unrecorded-online-lending-platforms-2/

24/12/2025

Merry Christmas and a Happy New Year

15/12/2025

Certificate of Appearance before the DOJ

20/11/2025

Finally get to visit Antipolo City RTC- far but worth the trip.

12/11/2025

24/10/2025

Getting ready for friday work.

09/10/2025

09/10/2025

If either husband or wife has a paramour (kabit) or is engaging in an extramarital affair, there are both criminal and civil remedies available under Philippine law — depending on who is the offending spouse and the circumstances.

Criminal case:

For the WIFE
A. Adultery (Article 333, Revised Penal Code)
• Filed against: The wife and her paramour (the man she is having sexual relations with).
• Elements:
1. The woman is married.
2. She has sexual in*******se with a man not her husband.
3. The man knew she was married.
• Who can file: Only the offended husband, and he must include both his wife and her paramour in the complaint.
• Penalty: Prisión correccional (6 months and 1 day to 6 years imprisonment).

For the HUSBAND:
B. Concubinage (Article 334, Revised Penal Code)
• Filed against: The husband and his mistress (kabit).
• Elements:
1. The husband keeps a mistress in the conjugal dwelling; or
2. Has sexual in*******se under scandalous circumstances with a woman not his wife; or
3. Cohabits with her in any other place.
• Who can file: Only the offended wife, and she must include both her husband and his concubine.
• Penalty: Prisión correccional (same range) for the husband; destierro (banishment) for the concubine.

09/10/2025

Heya its thursay, then its weekend!

07/10/2025

Grounds for Cyberlibel are governed primarily by Article 353 in relation to Articles 354–355 of the Revised Penal Code (RPC), as amended by Republic Act No. 10175 (Cybercrime Prevention Act of 2012).

⚖️ 1. Definition (Article 353, RPC)

“Libel is a public and malicious imputation of a crime, or of a vice or defect, real or imaginary, or any act, omission, condition, status, or circumstance tending to cause dishonor, discredit, or contempt of a natural or juridical person…”

When this is committed through a computer system or any online platform, it becomes Cyberlibel under Section 4(c)(4) of R.A. 10175.

🧾 2. Essential Elements of Cyberlibel

To constitute cyberlibel, all the following must be present:
1. Imputation of a discreditable act or condition — something that tarnishes the reputation of a person (e.g., calling someone corrupt, adulterer, scammer, etc.);
2. Publication — the defamatory statement is made public or shared with a third person (posting online, tagging, sharing, commenting, etc.);
3. Identifiability — the offended party is identifiable, even if not named explicitly;
4. Malice — there is intent to malign or harm the person’s reputation (presumed in libel unless good motives and justifiable ends are proven);
5. Use of a computer system — committed through online means (Facebook, X/Twitter, Instagram, blogs, email, etc.).

💻 3. What Makes It Cyberlibel (R.A. 10175)

Section 4(c)(4) of the Cybercrime Law specifically penalizes:

“Libel as defined in Article 355 of the Revised Penal Code committed through a computer system or any other similar means which may be devised in the future.”

In short:
🗞 Libel (in print) → punishable under Art. 355
💻 Libel (online) → punishable under Sec. 4(c)(4) of R.A. 10175

🚫 4. Defenses Against Cyberlibel
• Truth (if published with good motives and for justifiable ends)
• Privileged communication (e.g., fair comment on public interest)
• Lack of malice
• No publication (if only privately messaged)
• Lack of identifiability (cannot tell who the subject is)

⸻

⚔️ 5. Penalty
• Under R.A. 10175, cyberlibel carries a penalty one degree higher than ordinary libel:
• Prisión correccional in its maximum period to prisión mayor in its minimum period (up to 8 years imprisonment

06/10/2025

Happy monday here at QC office. 🙂 see you!

03/10/2025

Waiting for clients in need of legal consultation in Quezon City office.