Practice question
A creditor files a proper civil collection case on a loan and seeks only lawful property remedies, not imprisonment. The borrower argues that Section 20 forbids any attempt to collect. Which is correct?
- The clause automatically forgives every debt.
- The clause does not by itself prohibit lawful civil collection or property enforcement.
- Only a foreign court may hear any loan case.
- The creditor must obtain a criminal conviction before suing civilly.
- A civil complaint automatically jails the borrower.
Legal references
- 1987 Constitution: https://elibrary.judiciary.gov.ph/thebookshelf/showdocs/3/353 Article III, Section 20.
- Lozano v. Martinez, G.R. No. L-63419 et al., December 18, 1986, main decision: https://lawphil.net/judjuris/juri1986/dec1986/gr_l-63419_1986.html
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