Caputol Law Office

Caputol Law Office CAPUTOL LAW OFFICE is a multi-specialty law office in Ormoc City, Philippines.

Please be advised. Thank you!
26/05/2026

Please be advised. Thank you!

06/05/2026
Happy Labor Day to all the hardworking individuals!
30/04/2026

Happy Labor Day to all the hardworking individuals!

03/04/2026

โš ๏ธ ๐—”๐——๐—ฉ๐—œ๐—ฆ๐—ข๐—ฅ๐—ฌ: ๐—–๐—ข๐—ก๐—ง๐—œ๐—ก๐—จ๐—˜๐—— ๐—ข๐—ฃ๐—˜๐—ฅ๐—”๐—ง๐—œ๐—ข๐—ก ๐—ข๐—™ ๐—จ๐—ก๐—”๐—จ๐—ง๐—›๐—ข๐—ฅ๐—œ๐—ญ๐—˜๐—— ๐—ข๐—ก๐—Ÿ๐—œ๐—ก๐—˜ ๐—Ÿ๐—˜๐—ก๐——๐—œ๐—ก๐—š ๐—ฃ๐—Ÿ๐—”๐—ง๐—™๐—ข๐—ฅ๐— ๐—ฆ (๐—ข๐—Ÿ๐—ฃ๐˜€), ๐— ๐—ข๐—•๐—œ๐—Ÿ๐—˜ ๐—”๐—ฃ๐—ฃ๐—Ÿ๐—œ๐—–๐—”๐—ง๐—œ๐—ข๐—ก๐—ฆ, ๐—™๐—”๐—–๐—˜๐—•๐—ข๐—ข๐—ž ๐—ฃ๐—”๐—š๐—˜๐—ฆ, ๐—”๐—ก๐—— ๐—ช๐—˜๐—•๐—ฆ๐—œ๐—ง๐—˜๐—ฆ

Ipinapaalala na ang mga sumusunod na Online Lending Platforms (OLPs), applications, at websites ay ๐—ต๐—ถ๐—ป๐—ฑ๐—ถ ๐—ฎ๐˜„๐˜๐—ผ๐—ฟ๐—ถ๐˜€๐—ฎ๐—ฑ๐—ผ ๐—ฎ๐˜ ๐—ต๐—ถ๐—ป๐—ฑ๐—ถ ๐—ฝ๐—ถ๐—ป๐—ฎ๐—ฝ๐—ฎ๐—ต๐—ถ๐—ป๐˜๐˜‚๐—น๐˜‚๐˜๐—ฎ๐—ป 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. CashUp PH โ€“ Simple Online Loans
2. Finara Credit: Fast Cash Loan
3. PeraMax โ€“ Trusted Loan App
4. Sunny Peso
5. Sky Peso โ€“ Online Quick Loan

Apple Store
1. ArqueeScore โ€“ Loan Advice App
2. Cash Moo โ€“ Mabilis Cash Loan
3. CashmeCredit โ€“ Money Loans
4. MadaCredit โ€“ Pesocash & Fastloan
5. NorthPeso โ€“ Loan App Philippine
6. Prompt Cash โ€“ Online Loan App
7. Sikap Loan

Website
1. Pesomaxy

Mga nangagaya o peke na OLPs
1. Tala Finance โ€“ Online Loan App (fake and impersonating Tala Financing Philippines Inc)
2. TALA: Fast Cash Online Loan (fake and impersonating Tala Financing Philippines Inc)
3. Digit Peso (Mimic Application using the tradename Digido Finance Corp)
4. Infiniti Technologies Distributions Inc (fake website impersonating the real Digido Finance Corp)
5. Mr. Cash โ€“ Loan App Philippines (fake and impersonating โ€œMr. Cashโ€, an OLP being operated by E-Generation Lending Corporation)
6. Carmen Credit 888 Corporation (fake website impersonating the real Carmen Credit 888 Corporation)
7. Paragon Credit Alliance 604 Corporation (fake Facebook page impersonating the real Paragon Credit Alliance 604 Corporation)

Para sa katanungan, reklamo, o pag-report sa mga ilegal na nagpapautang, mangyaring makipag-ugnayan sa:
๐Ÿ“ž 1-4SEC (14732)
๐Ÿ“ฅ SEC iMessage Portal: https://imessage.sec.gov.ph/
๐Ÿ’ป 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/public-advisory-re-continued-operation-of-unauthorized-online-lending-platforms-olps-mobile-applications-facebook-pages-and-websites/

In observance of the Holy Week, CAPUTOL LAW OFFICE shall be closed on the following dates:
30/03/2026

In observance of the Holy Week, CAPUTOL LAW OFFICE shall be closed on the following dates:

Caputol Law Office welcomes its newest lawyer, Atty. Jose Vincent Basilio S. Roble.Atty. Jose Vincent Basilio S. Roble i...
16/02/2026

Caputol Law Office welcomes its newest lawyer, Atty. Jose Vincent Basilio S. Roble.

Atty. Jose Vincent Basilio S. Roble is a graduate of Western Leyte College - School of Law. He passed the 2025 Bar Exams and was admitted to the Bar on February 2026.

Well trained in legal research, drafting motions, and preparing memoranda, having previously interned and worked as a paralegal at a law office, he brings skills, enthusiasm, and dedication that will be a valuable contribution to the office.

08/02/2026

LEGAL EXPLAINER | Anong gagawin mo pag nakatanggap ka ng SUBPOENA?

Should you start to be afraid?

Relax. A subpoena is not a warrant of arrest. Hindi ibig sabihin kriminal ka na. Think of it as the law saying: "Uy, may tanong kami. Paki-explain naman."

Now, the first thing you should always ask when you receive a subpoena is simple but very important: Sino ang nag-issue nito? Because the consequences of ignoring a subpoena depend on where it comes from.

โœ…๏ธ (a) Subpoena from the courts (MTC, RTC, CA, Sandiganbayan, etc.)

This is the most serious kind. If the subpoena comes from a court, hindi puwedeng balewalain. Failure to obey a lawful subpoena can lead to INDIRECT CONTEMPT OF COURT under Rule 71.

What's the possible penalty?

If issued by an RTC or higher court:
-Fine up to 30K pesos
-Imprisonment up to 6 months
-Or both

If from a lower court:
-Fine up to 5K pesos
-Imprisonment up to 1 month
-Or both

Yes, puwedeng mauwi sa arrest, usually after a show-cause order and contempt proceedings. So kung court-issued subpoena ito, the default rule is: attend or file a proper motion (e.g., motion to quash) or explanation. Hindi mo pwedeng "i-seen-zone" katulad ng mga messages na nare-receive mo sa GC.

โœ…๏ธ (b) Subpoena from quasi-judicial bodies (NLRC, SEC, DHSUD, etc.)

These bodies can issue subpoenas, but here's the nuance: They cannot jail you directly for contempt like courts do.

If you ignore them, they may file a petition for indirect contempt with the RTC under Rule 71, Section 12. The RTC then decides whether to punish you.

Translation: Hindi ka agad makukulong, but you are inviting a court case against yourself, which is not ideal.

Addendum: But with respect to quasi-judicial agencies whose enabling laws or charters specifically grant them contempt powers, they are authorized to hold any person in contempt after due notice and hearing.

โœ… ๏ธ(c) Subpoena from executive departments, adminitrative agencies, administrative investigators, and regulatory bodies like the LTO

Same logic as quasi-judicial bodies. They can compel attendance procedurally, but enforcement usually requires court intervention. Ignoring them won't instantly lead to arrest, but it may result in:
-adverse findings
-loss of opportunity to explain your side

โœ… (d) ๏ธSpecial Note on DOJ Subpoenas (Very Important)

When the subpoena comes from the Department of Justice (DOJ), medyo iba ang usapan.

Under the 2024 DOJ-NPS Rules, prosecutors may issue subpoena ad testificandum or subpoena duces tecum during a preliminary investigation to require parties, witnesses, or even third persons to appear, submit documents, or execute sworn statements that are material to the case.

While DOJ prosecutors cannot directly punish for contempt, a willful or unjustified refusal to comply with these subpoenas may still result in criminal complaints for Resistance and Disobedience to a Person in Authority (Art. 151, RPC), Obstruction of Justice (PD 1829), and even administrative liability, when appropriate.

In short, hindi ka agad mako-contempt like in court, but ignoring a DOJ subpoena can open a brand-new legal problem, separate from the original case you were trying to avoid.

๐Ÿ’ฅ Important clarification: This applies only to DOJ subpoenas ad testificandum and duces tecum. If the DOJ subpoena merely requires a respondent to submit a counter-affidavit, the respondent may or may not file one. Failure to submit a counter-affidavit is not punishable, but the case will be resolved based solely on the complainantโ€™s evidence. In other words, hindi ka pwedeng pilitin magsalita, but you also give up your chance to be heard.

โœ… (e) ๏ธSubpoena from law enforcement agencies (NBI, PNP, CIDG)

Ito yung subpoena na natanggap ni Jack Argota.

Important distinction here. Law enforcement agencies CANNOT cite you for contempt. They also cannot arrest you just because you didnโ€™t attend a subpoena. So technically, attendance may be optional.

But practically? It almost always pays to attend.

Why? Because a subpoena is part of due process. It means they want to hear your side. If you don't show up, the investigation moves forward without you, and silence is rarely a good defense strategy.

โœ…๏ธ (f) Subpoena from Congressional bodies (Senate or House inquiries in aid of legislation)

Different animal altogether.

Congress has its own contempt power under the Constitution. If you ignore a congressional subpoena, they can:
-cite you in contempt
-order your arrest and detention until you comply

This has been upheld by the Supreme Court. Yes, this is real. Yes, this has happened.

โœ…๏ธ Final takeaways

A subpoena is not an accusation, but it is a legal obligation depending on who issued it.

Courts are strict.

Quasi-judicial and administrative bodies can escalate to courts.

Law enforcement wants your side (and you should usually give it - and wisely so).

Congress plays by its own constitutional rules.

So when you receive a subpoena, don't panic - pause, read, identify the source, and consult counsel.

To better serve our clients, we are pleased to announce extended opening hours for clients with notarial needs who are u...
18/01/2026

To better serve our clients, we are pleased to announce extended opening hours for clients with notarial needs who are unable to visit during regular office hours.

Address

Unit SF-05 2nd Floor Gaisano Capital Ormoc Central Mall, Aviles Street , District 12
Ormoc City
6541

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+63535205951

Website

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