Legal Insights
Plain-language guides and case briefs on Philippine law — researched from the firm's law library of 184,000+ statutes, Supreme Court decisions, and agency issuances, and written so non-lawyers can understand and act on them.
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Land Bank's Authority to Seek Just Compensation in Agrarian Reform Cases
Supreme Court affirms Land Bank's legal personality to file just compensation cases before the Special Agrarian Court, independent of DAR.
Bank Certification Letters Are Not Guarantees: Lessons from Bank of Commerce v. Goodman Fielder
When is a bank's certification letter a binding guaranty? The Supreme Court clarifies the rules on apparent authority and contractual interpretation.
Conditional Certifications vs Bank Guarantees: When a Bank Is Not Liable
Supreme Court clarifies when a bank's conditional certification of a credit line application does not constitute a binding bank guarantee.
Redemption Rights and Capital Gains Tax in Foreclosure Sales: Key Lessons from Supreme Transliner v. BPI Famil
Philippine Supreme Court clarifies redemption price in bank foreclosure sales, including when capital gains tax applies and what charges are valid.
Breach of Contract and Bank Negligence: Protecting Clients' Rights
Philippine Supreme Court ruling on bank liability for negligence in terminating credit lines and dishonoring checks without proper notice.
Substantial Compliance vs Strict Interpretation: Upholding Appeals in Liquidation Proceedings
Philippine Supreme Court ruling on substantial compliance in appeals, using a bank liquidation case to clarify procedural rules.
Contract to Sell vs Dacion en Pago: Protecting Subdivision Lot Buyers in the Philippines
The Supreme Court explains how PD 957 protects subdivision lot buyers even when a developer transfers the property to a bank through dacion en pago.
Overcoming Jurisdictional Hurdles in Philippine Property Disputes: The Philippine Veterans Bank Case
Learn how the Supreme Court clarified jurisdictional boundaries between courts and DARAB in expropriation cases involving agrarian reform lands.
Philippine Foreclosure Law: Why Publication Is Non-Negotiable for Banks
Philippine Supreme Court rules banks must prove newspaper publication in foreclosure sales; failure voids the entire proceeding.
Estoppel by Silence in Philippine Insurance Law: When a Bank's Silence Speaks Volumes
Philippine Supreme Court ruling on estoppel by silence, bank liability for unpaid insurance premiums, and corporate veil in insurance claims.
Foreclosure Redemption Rights: How to Protect Your Property in the Philippines
Learn how Philippine courts handle foreclosure disputes, redemption rights, and why settlement agreements often provide the best protection for homeowners facing bank foreclosure.
Unjust Enrichment in Loan Assumptions: When Can You Recover Your Payments
A bank kept a ₱750,000 payment after rejecting a loan assumption. The Supreme Court ordered its return under unjust enrichment.
Liquidation Court Jurisdiction Over Claims Against Insolvent Banks in the Philippines
When a bank is placed under liquidation, all claims against it—including annulment and damages suits—must be filed with the liquidation court.
Preliminary Injunctions in the Philippines: Preserving Status Quo in Property Disputes
Learn when Philippine courts issue preliminary injunctions to preserve status quo, based on the Supreme Court's ruling in Maunlad Homes v. Union Bank.
When Banks Dishonor Checks: The Citibank v. Dinopol Case on Fiduciary Duty and Damages
The Supreme Court ruled that banks must exercise the highest degree of diligence, holding Citibank liable for dishonoring a check over a P58.33 charge.
Preliminary Injunction and Possession Rights: Maunlad Homes v. Union Bank
When can a property owner be barred from collecting rentals? The Supreme Court explains the limits of ownership rights versus possession in Maunlad Homes v. Union Bank.
Bank Liability for Dishonored Checks: Protecting Your Credit and Reputation
When a bank dishonors a check for an amount not yet due, it may be liable for damages. Learn from the Citibank v. Dinopol case.
Preliminary Injunctions Protecting Possession Rights in Philippine Property Disputes
Learn how the Supreme Court protected possession rights through preliminary injunctions in Maunlad Homes v. Union Bank, and what this means for property disputes.
Just Compensation in Land Reform: LBP's Role and Interest Rate Rules
Philippine Supreme Court clarifies interest rates on agrarian just compensation and Land Bank's exemption from costs in land reform cases.
Balancing Agrarian Reform: The SAC's Duty in Just Compensation Determination
A look at Land Bank v. Rivera, clarifying the court's role in valuing lands under PD 27 and the LBP's exemption from costs.
Conjugal Property Rights in the Philippines: Protecting Assets From Spousal Debt
Learn how Philippine courts treat conjugal property when one spouse incurs personal debt, and what the Imani v. Metrobank ruling means for creditors and families.
Partial Summary Judgments: Why They Are Not Immediately Executable
A partial summary judgment is interlocutory, not final. It cannot be executed while the main case is pending, explains Philippine Business Bank v. Chua.
Pawnshops and VAT: Clarifying Tax Exemptions for Non-Bank Financial Intermediaries
The Supreme Court clarifies that pawnshops, as non-bank financial intermediaries, were not liable for VAT in 2000 due to deferred effectivity.
When a Court Cannot Freeze a Mortgage: Injunctions and Doubtful Rights in Ngo v. Allied Bank
In Ngo v. Allied Bank, the Supreme Court explains why a preliminary mandatory injunction needs a clear legal right — and why doubt defeats it.