What the client says
Leave a review“What sold me was the client portal. I could see my case progress, my next appointment, and my invoice all in one place. I never had to wonder whether my lawyer forgot about me, because everything was right there.”
Jennifer Garcia
Family law client · Davao City
“Dugay na nga na-freeze ang estate sa akong amahan kay wala mi kahibalo asa magsugod. Gi-mapa ni Atty. Gascon ang matag lakang, gibayran ang estate tax, ug na-transfer ang mga titulo ngadto sa amo nga lima ka manununod. Sa unang higayon, nag-istoryahanay na pud ang pamilya imbis nga mag-away.”
Elena Mendoza
Estate settlement client · Davao City
“We got a BIR Letter of Authority and honestly akala nako mawala na among negosyo. Kay si Atty. lawyer ug CPA man, the assessment got answered sa language nga gigamit gyud sa examiner. Na-cut down ang deficiency to a fraction of the original.”
Roberto Santos
BIR audit defense client · Digos
“Selling our family land had a tax angle I didn't even know existed. Because Atty. Gascon is both a lawyer and a CPA, he caught it, computed the capital gains correctly, and structured the sale so we didn't overpay. Having one person handle both sides made a real difference.”
Rolando Espino
Property sale client · Tagum
“Gi-handle niya ang akong petisyon nga diskreto kaayo, bisan ang akong pinakasuod nga mga higala wala makahibalo hangtod ako mismo ang misulti. Prangka siya gikan sa unang panagkita kung unsa ka-dugay ni mahimo, ug wala gyud niya ako gihatagan og bakak nga paglaom.”
Cristina Flores
Family law client · Tagum
“The lot we inherited had a title still naa pa sa pangalan sa akong lola. Gi-buhat sa firm ang extrajudicial settlement, they paid the right taxes, ug gi-proseso ang papeles sa Registry of Deeds. We finally hold a clean title.”
Danilo Reyes
Property title transfer client · Panabo
“A supplier owed us a large balance and kept stalling. The firm sent the demand, secured the claim with an attachment so the assets couldn't quietly disappear, and we recovered most of it without a drawn-out trial. Practical from day one.”
Alfredo Bernardo
Collection case client · Davao City
“Naulaw ko mo-amin nga dili nako kaya bayran ang tanan sa makausa. Gihatagan ko nila og gamay nga paunang bayad ug pleksible nga iskedyul, walay paghukom. Murag firm gyud nga seryoso kung mo-ingon sila og barato nga presyo para sa ordinaryong tawo.”
Lourdes Rivera
Family law client · Davao City
“I came in to register one small company ug mibiya ko nga complete na ang books, BIR registration, ug SEC papers, parehas ra og office ang nag-ayo. Doing the legal side and the accounting side under one roof, dako gyud og time na-save namo.”
Eduardo Castillo
Business formation client · General Santos
“Our SEC filings were years behind and a co-owner dispute was brewing. They cleaned up the records first, then sorted the disagreement through the by-laws without dragging us to court. Calm and methodical.”
Daisy Galang
Corporate client · General Santos
“Dili gyud nako kaya og abogado sa akong kaugalingon. Gidawat nila ang akong kaso sa kontingensiya nga kasabotan ug gi-atiman nila kini sama ka-seryoso sa bisan kinsa nga nagbayad. Wala gyud ko mibati nga limos lang ang akong kaso.”
Marilou Salazar
Family law client · Bansalan
“Magulo kaayo ang bookkeeping sa among cooperative ug nahadlok mi sa penalties. They cleaned up two years of records, gi-ayo ang among payroll filings, and now we actually understand our own financial statements.”
Arturo Domingo
Accounting client · Mati
“Solid work on our incorporation and good advice on the tax side. My only note is that getting a first appointment took a couple of weeks because they're clearly busy. Once we started, though, the service was excellent.”
Gerardo Alcantara
Business formation client · General Santos
“Masakit ug komplikado kaayo ang pag-areglo sa estate sa akong namatay nga bana. Mapailubon kaayo ang firm sa matag pirma, ug gipasabot nila ang estate tax sa mga pulong nga akong masabtan.”
Remedios Castro
Estate settlement client · Cagayan de Oro
“The process took longer than I hoped. Daghan og balik-balik sa BIR, pero gi-update ko nila sa tibuok panahon ug patas man ang resulta. I'd still recommend them, just be ready for government timelines.”
Nestor Morales
Tax compliance client · Davao City
“They registered our brand with the IPOPHL and keep track of the renewal deadlines so we don't lose it. It took longer than I expected because of the office actions, but they explained each step and saw it through.”
Evelyn Sevilla
Trademark client · Davao City
“Ang custody mao ang pinakalisod nga akong naagian. Gipanalipdan niya ang akong mga anak gikan sa kasamok ug gipaningkamotan niya ang kasabotan nga mu-angay gyud para namo. Kalmado, andam, ug wala gyud nagdrama atubangan sa akong mga bata.”
Marivic Pascual
Custody client · Panabo
“Wala gyud siya misaad og result nga dili niya ma-control, which I respected. What he did was prepare me completely ug gi-assert ang tanan nakong rights. I walked into each hearing knowing exactly what would happen.”
Vicente Diaz
Criminal defense client · Tagum
“We had a small breach at our clinic and panicked. They walked us through the NPC notification window, fixed the consent forms we didn't even realize were non-compliant, and trained the staff. The follow-up letter from the Commission was routine because the paperwork was finally in order.”
Concepcion Romualdez
Data privacy client · Davao City
“Nagdali-dali ang among kooperatiba sa wala pa ang mga deadline sa CDA ug nagkagubot ang reserve fund. Kay abogado ug CPA man, na-areglo ang legal nga bahin ug ang bookkeeping nga dungan. Nahiuyon na mi sa balaod karon, ug ang mga miyembro mosalig na sa mga numero.”
Erlinda Ignacio
Cooperative client · Mati
“Our business was drowning in debt ug abi nako og pagsira na lang ang bugtong dalan. They reviewed the books honestly ug gipakita nga mahimo diay ang rehabilitation. The plan kept us running ug nakabayad sa mga creditor sa hinay-hinay.”
Wilson Magno
Corporate rehabilitation client · Cagayan de Oro
“I had overstayed and was terrified of being blacklisted. They told me plainly what the Bureau would require, regularized my status, and handled the paperwork. The government timeline was slow, but they kept me updated the whole way.”
Hiroshi Tanaka
Immigration client · Davao City
“Gipapahawa ko sa trabaho nga walay hustong pahibalo ug wala ko kahibalo nga mubo ra diay ang akong panahon para mu-aksyon. Paspas silang milihok sa proseso sa DOLE ug nakakuha ko og patas nga kasabotan. Salamat gyud nga wala ko naghulat.”
Norma Javier
Labor case client · Panabo
“After a contested local race, importante kaayo ang oras. Na-file nila ang protesta within the deadline ug gi-guide ko sa ballot revision realistically, wala nag-oversell sa chances. Steady hands bisan sa tinuod nga pressure.”
Allan Ventura
Election case client · Digos
“After we lost a family member we were angry and wanted to sue immediately. They read the records first and were honest about what could and could not be proven, then built the case carefully on the medical evidence. The candor mattered as much as the work.”
Salvador Hernandez
Medical malpractice client · Davao City
“Giingnan ko niya og prangka nga adunay huyang nga bahin ang akong kaso ug mas maayo nga makig-areglo kaysa mogasto og duha ka tuig sa korte aron mapildi lang. Mas gipabilhan nako ang kaprangka kaysa bisan unsang saad. Nag-areglo mi ug natipigan nako ang akong tinigom.”
Renato Navarro
Property dispute client · Digos
LAW · PRACTICE GROUP
We act for bank clients in Davao and across Mindanao when money or an account goes wrong: unauthorized or fraudulent withdrawals and online transfers, checks dishonored by mistake, deposits or accounts mishandled, frozen, or closed without proper notice, and collection that goes beyond what the law allows. Banks owe their clients a high degree of care and fair treatment under the General Banking Law, RA 8791, and the Financial Products and Services Consumer Protection Act, RA 11765. The work is to file the bank's own complaint, escalate to the Bangko Sentral ng Pilipinas under its consumer-assistance rules, send a written demand, and where needed bring a civil action. We are candid that the outcome depends on the facts and the records, and we never promise a result.
Led by a dual-licensed Attorney and CPA
Scope
Unauthorized or fraudulent withdrawals, ATM or card charges, and online or mobile transfers debited from your account without your authority, where the bank's duty of diligence under the General Banking Law, RA 8791, is in question
Disputed e-banking and fund-transfer errors: raising the dispute with the bank, demanding a reversal or refund, and escalating under the Financial Products and Services Consumer Protection Act, RA 11765
Wrongful dishonor of a check the account could cover, including the harm to reputation the law may recognize
Deposits or accounts mishandled, frozen, put on hold, or closed without proper notice or basis, and the release of funds you are entitled to
Unfair, abusive, or harassing collection on loans and credit cards, including contact with third parties and disclosure of your debt to others
Unclear or improper fees, charges, and interest, and the bank's duty of disclosure and fair treatment under RA 11765
Complaints filed first through the bank's own consumer-assistance channel, then escalated to the Bangko Sentral ng Pilipinas under its consumer-protection rules
Demand letters to the bank or financing company, and settlement where the dispute can be resolved without a case
Civil action for the recovery of the money and damages the law may allow when the bank does not make it right
Before you engage
Bank disputes are won or lost on records and timelines, so the first step is to put it in writing. Report the unauthorized transaction or the error to your bank at once and ask for a written acknowledgment and a reference number, because most banks and the Bangko Sentral expect you to raise it with the bank first. Keep your passbook, statements, transaction receipts, text and email alerts, screenshots, and every reply, and note the dates and the names of the people you dealt with. Whether the bank must reverse a charge or release an account turns on the facts, the proof of who authorized what, and the rules under RA 8791 and RA 11765, so no honest lawyer can promise how it will end. What the firm can do is press the complaint, escalate to the BSP where it qualifies, and bring the civil case if the bank will not make it right.
Engagement
Consultation: the firm assesses what happened and the evidence you have, checks for conflicts, and quotes a fee.
Engagement: a signed letter fixes the scope, the milestones, and the fee.
Work: a lawyer of the firm reviews your records, raises or sharpens the complaint with the bank, escalates to the Bangko Sentral ng Pilipinas under its consumer-assistance rules where it qualifies, sends a written demand, and pursues the civil action if needed, with a written status report at each step.
Resolution and report: you receive the outcome, the papers, and a closing memo you can keep.
Reasonable prices, client first
Razonable Gascon is built for ordinary Filipinos: the highest quality of legal, tax, and accounting work at prices the masses can actually afford. Talk to the firm about a payment plan that works for you, cost should never be the reason a real problem goes unanswered.
Begin your case with a small initial payment and settle the balance on a schedule that fits your situation. No need to pay everything up front.
For qualified cases, the firm can work on a contingency basis, the professional fee is owed only if and when you actually recover.
Meritorious matters for clients who genuinely cannot pay are taken on at reduced or no fee. Access to good counsel should not depend on means.
Not sure what you can manage? Start with a free consultation and the firm will be candid about cost before you commit to anything.
Questions
Report it to your bank in writing right away, ask them to flag and investigate the transaction, and get a written acknowledgment with a reference number. Save your statements, receipts, alerts, and every reply. Under RA 11765 the bank must look into a disputed transaction, but whether it reverses the charge depends on the facts and on the proof of who authorized it, so we cannot promise the money back. If the bank refuses without good reason, the next steps are escalation to the Bangko Sentral and, if needed, a civil case.
Possibly. A check wrongly dishonored when the account could cover it is a recognized wrong, and the law may allow recovery of the resulting loss and the harm to reputation the law recognizes. Much depends on the bank's records and on showing the funds were available, so the outcome is never certain. The firm reviews the statements and the bank's own logs, sends a demand, and pursues the claim if the facts support it.
As a rule, yes. The Bangko Sentral's consumer-assistance process generally expects you to raise the matter through the bank's own complaint channel first and give it a chance to respond. If the bank does not resolve it fairly, the complaint can be escalated to the BSP, and a civil action remains available. The firm handles each stage in order and keeps you informed of where your case stands.
See also
If money or an account has gone wrong, put your complaint to the bank in writing, save every record, and book a consultation.
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