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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Upholding Surety Agreements: Corporate Debts Bind Individual Guarantors
Supreme Court ruling on when corporate officers who sign surety agreements become personally liable for corporate debts.
Dacion en Pago: Why Mutual Consent Is Essential to Extinguish a Debt
Philippine Supreme Court ruling on dacion en pago, requiring mutual consent between debtor and creditor to extinguish an obligation.
Real Party in Interest: Establishing Legal Standing in Debt Recovery Cases
Philippine Supreme Court ruling on who may file an action to revive a judgment and what must be proven.
Personal Liability in Corporate Obligations When Signing Blurs the Line
When do corporate officers become personally liable for company debts? A Supreme Court ruling on trust receipts and letters of credit provides clear guidance.
Continuing Suretyship for Future Debts and Assignment Without Debtor's Consent
Philippine Supreme Court ruling on continuing suretyship agreements, validity of assignments without debtor consent, and trust receipt remedies.
Upholding Contractual Obligations: The Imperative of Timely Performance in Compromise Agreements
A Supreme Court ruling on continuing suretyship, assignment of credit, and trust receipts—clarifying that debtors cannot escape liability through technical defenses.
Due Process Prevails: Joint vs Solidary Liability and the Fallo Rule
Learn how the Supreme Court protected a debtor from over-execution by applying the rule that the dispositive portion of a judgment prevails.
PNB Not Liable for MMIC’s Unpaid Debts to Supplier After Foreclosure
Foreclosing creditor not liable to third-party supplier for unpaid debts of borrower; Supreme Court explains ownership and standard mortgage remedies.
Surety's Solidary Liability: The True Extent of Guarantees in Philippine Law
Philippine Supreme Court clarifies when a "guarantee" becomes a suretyship, making the surety solidarily liable with the principal debtor.
Can Debts Be Paid in Palay? The Rule on Legal Tender in the Philippines
Learn from a Supreme Court ruling why palay cannot be used to pay money damages, and what this means for obligations in the Philippines.
Surety's Continuing Liability: Upholding Obligations Despite Credit Card Upgrades
A Philippine Supreme Court ruling explains why a surety stays liable for a credit cardholder's debts even after the card is upgraded to a higher credit limit.
Piercing the Corporate Veil: When a Parent Company Can Be Held Liable for Subsidiary Debts
The Supreme Court clarifies when courts may disregard corporate separateness and hold a parent liable for its subsidiary's obligations.
Accion Pauliana: When the Four-Year Clock Starts on Fraudulent Transfers
Philippine Supreme Court clarifies when the four-year prescriptive period for accion pauliana begins, protecting creditors from fraudulent conveyances by debtors.
Sheriffs Cannot Pierce the Corporate Veil: Levying Corporate Property for a Stockholder's Debt
A sheriff who levies on corporate property to satisfy a stockholder's personal debt acts beyond authority. The Supreme Court explains why.
Accommodation Mortgages and Redemption Rights: Limits of Debtor Liability
Philippine Supreme Court ruling on accommodation mortgagors' redemption rights and liability limits under P.D. 694 and Act 3135.
When Can a Corporate Officer Be Personally Liable for Corporate Debt
Philippine Supreme Court ruling on when corporate officers may be held personally liable for corporate obligations and the limits of the corporate veil.
Due Process and Foreclosure: Protecting Debtor Rights in Property Sales
A Supreme Court ruling shows how procedural rules on venue protect property owners from baseless suits, and what it means for debtors facing foreclosure.
Compromise Agreements: The Binding Force of Reduced Debt vs Contractual Conditions
A Supreme Court ruling explains when a compromise agreement binds a creditor, the limits of fraud claims, and the legal nature of stale manager's checks.
Bouncing Checks and Debt Settlement: When a Check's Purpose Doesn't Excuse the Funds
Philippine Supreme Court ruling on BP 22: the purpose of a check doesn't matter—issuing a bouncing check is punishable, even if meant as a guarantee.
Unauthorized Pledge of Another's Property: Ownership Prevails in Replevin Action
A son's unauthorized pledge of his father's tractor as security for personal debt fails; the owner's right to recover possession prevails.
Novation by Implied Consent: When a Creditor's Silence Speaks Volumes
Philippine Supreme Court ruling on how a creditor's failure to object to a debtor substitution can constitute implied consent to novation.
Novation and Suretyship: Understanding Debt Substitution in Philippine Law
Philippine Supreme Court clarifies when debt substitution is novation versus suretyship, and why accommodation parties remain liable.
When Can a Lawyer Be Disciplined? IBP Jurisdiction Over Attorney Misconduct and Private Debts
A lawyer who ignores IBP orders can face sanctions even when the underlying complaint involves a private debt. Learn the rules.
Payment Application and Tenant Rights: Paculdo v. Regalado on Wrongful Ejectment
Learn how the Supreme Court protected a tenant from wrongful ejectment when a landlord misapplied rental payments to other debts.