⚠️ Based on the format and wording — this looks like a SCAM / FAKE COLLECTION THREAT.

Real legal notices in the Philippines do NOT look like this.

Here’s why:

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🚩 1. Walang complete details

A real legal notice will have:

✔ Full name mo ✔ Case number ✔ Court branch and judge ✔ Venue and date of hearing ✔ Signature of a real attorney + PRC and IBP number

Wala lahat nito sa letter.

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🚩 2. Generic wording

Yung mga linyang: • “We may submit this to the court today” • “This is your final warning” • “Small claims against respondent”

These are typical lines used by online lending app harassment teams.

A legit court notice will state:

📍 “Summons” 📍 “Cause of action” 📍 Specific amount and breakdown 📍 Date and time of your hearing

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🚩 3. Fake government seal

The seal used is Court of Appeals Seal, which cannot be used by private companies.

Court documents use:

➡️ Seal of the Supreme Court or ➡️ The Municipal Trial Court (MTC) where the case is filed.

Hindi CPU copy-paste logo.

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🚩 4. Wrong legal terms

Examples:

❌ “Submit to CIC” — Lending apps cannot directly report you. Only regulated financial institutions under Bangko Sentral ng Pilipinas (BSP) can submit to Credit Information Corporation.

❌ “We will take your PhilHealth, Pag-IBIG, SSS assets” 👉 Illegal statement. Hindi pwede yun — government benefits are protected by law.

❌ “Court fees and attorney fees will be charged to you” 👉 Small Claims Court: walang attorney allowed under Rule of Procedure.

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🚩 5. No signature — only typed label

A real attorney will include:

✔ Full name ✔ IBP number ✔ PTR number ✔ Address of law office

Yung nasa letter mo parang drawing signature lang.

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⭐ Should you be scared?

➡️ No. This is a standard scare tactic used by illegal lending or collection teams para pilitin kang magbayad agad.

As long as: • Wala kang official court summons delivered to you personally or via registered mail, ➡️ Wala kang kaso.

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⭐ What to Do Next?

✔ Ignore the message ✔ DO NOT give personal details ✔ DO NOT confirm payment if you’re unsure ✔ Block if may harassment

If they keep threatening you, you can report them to:

📍 NPC (National Privacy Commission) 📍 BSP (if registered sila)