DearPao

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Dear PAO, My husband was previously married when I married him 13 years ago. He said that he was already separated for five years with his previous wife before he met me. Our marriage was also not successful because he was a womanizer. Lately, I found out that the first…

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Dear PAO, What do you mean by “cash surrender value”? I am a plan holder of life insurance who wishes to avail of this cash surrender value. How much would I get for that value? M.L. Rivera Dear M.L. Rivera, Cash value or cash surrender value is an amount which…

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Dear PAO, I have a credit card. I did not apply for its issuance, but it was merely delivered in our house. I used it several times and now the bank is asking me to pay P50,000.00 plus interest and penalties as per the terms and conditions of the credit…

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Dear PAO, What factors should be considered in making a will? My father, who is now 65 years old, has expressed his desire to make a will but we do not know how to go about it. Will his age affect it? Ruth Dear Ruth, Our law defines a will…

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Dear PAO, I am 35 years old, single and with a stable job. Am I qualified to adopt? Do I still need to get the consent of my parents before I may adopt? Summer Dear Summer, Adoption is a legal process which creates between two persons a relationship similar to…

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Dear PAO, I was terminated from my work as a service crew in a fastfood joint. In one of our conversations, my supervisor told me that the company simply had “to let me go.” Is it possible for me to file a case for illegal dismissal? Tito Dear Tito, Private…

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