what should i do if i have ongoing case about bp22 and i was about to lodge my student visa?

Hello:

We truly understand your worries, especially with something as important as your future studies abroad. You’ve worked hard to get this far, and we want you to know that you’re not alone. We’re here to help you sort this out with care and urgency.

You shared that:

-You already secured your NBI clearance, which shows no derogatory record.

-You’re about to lodge your student visa application to Australia.

-A BP 22 case has just been filed against you, but you’re still waiting for the subpoena.

-This stems from a ₱100,000 loan where only ₱70,000 was released due to extremely high interest and agent deductions.

First, please take a breath—this situation can still be managed properly.

Right now, since there is no warrant of arrest, no conviction, and your NBI record is clean, it’s still possible to lodge your student visa without it being automatically denied.

However, once the embassy conducts background checks, they may take notice of any active or unresolved legal cases, especially those involving financial disputes. That’s why it’s crucial to act quickly, respond legally, and prepare a proper explanation if needed.

Here’s what we suggest to protect your visa application and peace of mind:

Talk to a lawyer as soon as possible.
The moment you receive the subpoena, you’ll need to submit a counter-affidavit. Even before that, we can help you prepare and respond proactively.

Negotiate or settle if possible.
From what you described, this loan may have had exploitative terms (20% interest + 10% agent fee). You may be able to settle or challenge this arrangement legally—possibly leading to the case being dropped.

We can help you prepare a legal explanation letter.
This can be used if needed in your visa application to show that:

You’re not hiding anything,

You’re taking responsible action,

And that this is a civil money dispute, not a criminal intent.

Move forward with your application.
Don’t let this stop your dream. Many students have successfully obtained visas even with a pending case—especially when they have legal guidance and documentation to back them up.

We’d love to speak with you to go over your case in more detail. You can contact us directly