HVS Credit Collection Services

📢 HOLIDAY ADVISORY 📢

Please be advised that Monday, August 31, 2026 is a regular holiday in observance of National Heroes Day.

Our Main Office in Bulacan and Davao Office will be closed on this day.

🗓️ Regular operations will resume on Tuesday, September 1, 2026.

Let us take this day to honor the courage and sacrifices of our Filipino heroes.

🔐 YOUR RIGHTS AS A DEBTOR

Mahalagang malaman ang iyong mga karapatan bilang debtor. Ang debt collection ay dapat isagawa nang maayos, may respeto, at naaayon sa batas.

Alamin ang iyong rights at maging responsable sa pagtupad ng iyong financial obligations.

🤝 Fair collection. Fair solution.

🚫 ILLEGAL COLLECTION PRACTICES

Ang pananakot, pamamahiya, pagbabanta, at paggamit ng pekeng dokumento para mang-intimidate ay hindi tamang paraan ng debt collection.

Mahalaga ang tamang proseso at paggalang sa privacy at karapatan ng bawat debtor.

📌 Know your rights. Protect yourself.

💼 LEGAL COLLECTION PRACTICES

Ang maayos na debt collection ay hindi kailangang maging agresibo. Mahalaga ang respeto, privacy, at professional communication sa bawat pakikipag-ugnayan sa client.

🤝 Maayos na pakikipag-usap. Respeto sa bawat isa.

🚫 ILLEGAL COLLECTION PRACTICES

Ang pangongolekta ng utang ay may mga limitasyon. Hindi dapat gamitin ang pananakot, pang-iinsulto, pagmumura, harassment, o pagbabanta para pilitin ang isang debtor na magbayad.

📌 Maging responsable. Igalang ang karapatan ng bawat isa.

⚖️ LEGAL COLLECTION PRACTICES

Alam mo ba kung ano ang mga tamang hakbang na maaaring gawin ng isang debt collector?

Ang collection ay dapat isagawa nang maayos, propesyonal, at naaayon sa batas—mula sa pakikipag-ugnayan hanggang sa payment arrangement at legal action kung kinakailangan.

📌 Know your rights. Protect yourself.

📌 KNOW YOUR RIGHTS. PROTECT YOURSELF.

Understanding your rights in debt collection matters. Collection should always be handled professionally, respectfully, and in accordance with the law.

Stay informed. Know your rights. Protect yourself.

💳 Easy credit today, responsibility forever.

Madaling mag-avail ng credit, pero mahalagang siguraduhin na kaya itong bayaran sa tamang oras. Borrow wisely and only when necessary.

💙 Responsible borrowing today helps you avoid financial stress tomorrow.

💳 Emotional spending? Think before you swipe.

Stress, boredom, or excitement can lead to impulse purchases that hurt your budget. Before buying, ask yourself: "Need ba ito o gusto lang?"

💙 Smart financial decisions start with controlling your emotions, not letting them control your wallet.

🌱 Life habits and challenges can shape your financial future.

Unexpected expenses and unhealthy spending habits can make it harder to stay on top of your finances. Building good financial habits today can help you overcome tomorrow's challenges.

💙 Small changes today can lead to a more secure financial future.