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UNPAID BANK LOAN WITH ISSUED POST-DATED CHECKS

russsrusss PEx Rookie ⭐
Hello, 

Question lang. Mejo worried kasi ako. Iam currently jobless and I have an exisiting bank loan where I issued post-dated checks as per their request. What would be the worst case scenario sakin kung di ko mabayaran yun due to my incapability? Makukulong po ba ako? Considered ba siya as ESTAFA, or ESTAFA works only if the creditor is an actual human being? Please shed some light on this one. 

Thanks!
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