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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Mortgage Foreclosure Estoppel Prevents Claimants From Denying Prior Actions
Philippine Supreme Court ruling on how estoppel bars property claimants from questioning a mortgage foreclosure after prior inconsistent acts.
Sheriffs Breach OF Duty Foreclosure Irregularities AND Grave Misconduct
Mortgage Foreclosure After Full Payment Is Void: PNB v. Court of Appeals
A mortgage foreclosure is void if the loan it secures was already paid. Learn the rules from this Philippine Supreme Court case.
Waiver of Publication in Foreclosure Sales: Protecting Public Interest Over Private Agreements
Philippine Supreme Court rules parties cannot waive publication requirements in extrajudicial foreclosure sales under Act No. 3135.
Writ of Possession in Foreclosure: Ministerial Duty vs. Legal Obstacles
Explaining when a writ of possession is a ministerial duty in extrajudicial foreclosure and when legal challenges can block it.
DBP Foreclosure Redemption: Special Charter Rules Override General Redemption Law
When redeeming property foreclosed by DBP, mortgagors must pay the full outstanding debt, not just the auction purchase price.
When Compadre Ties Cant Rewrite A Mortgage Upholding Contractual Agreements IN Foreclosure Cases
Redemption Rights Strict Compliance AND Timely Action IN Foreclosure Cases
Philippine Supreme Court ruling on why redemption deadlines in extrajudicial foreclosure must be strictly followed and timely action is key.
Upholding Mortgage Foreclosure Waiver and Estoppel in Property Redemption
A mortgagor who attempts to redeem foreclosed property waives defects in the foreclosure sale and is estopped from later challenging its validity.
Preserving Rights When Preliminary Injunction Halts Foreclosure Consolidation
When can a preliminary injunction stop foreclosure consolidation? The Supreme Court explains the two requisites and the role of status quo.
Usury Law and Mortgage Foreclosure: Protecting Borrowers From Excessive Interest
When a loan's hidden interest exceeds the Usury Law's 12% cap, the mortgage securing it may be void, and foreclosure invalid.
When Do New Court Fees Apply in Extrajudicial Foreclosures? UCPB Case Explained
The Supreme Court clarifies when new sheriff's and notary fees apply in extrajudicial foreclosures, using the UCPB case as guide.
Judicial Accountability: Fines for Sheriffs Who Skip Raffle in Foreclosure Cases
Supreme Court fines sheriffs P1,000 each for failing to raffle an extrajudicial foreclosure petition, underscoring strict compliance with court procedure.
Sheriffs, Foreclosure, and the Duty to Follow Court Procedure
In Ta-Octa v. Eguia, the Supreme Court fined two sheriffs for skipping the mandatory raffle in an extrajudicial foreclosure, stressing strict compliance with court rules.
Perfecting A Loan Delivery IS KEY To Mortgage Foreclosure
A loan is perfected only upon delivery of money. Foreclosing before that makes the foreclosure premature and exposes the lender to damages.
Foreclosure Sales: Bank's Right to Possession After Redemption Period Ends
Supreme Court ruling on a bank's right to possession of foreclosed property after the redemption period expires without redemption.
Judicial Ethics and Public Trust: Lessons from a Foreclosure Dispute
A mortgage foreclosure dispute teaches key lessons on judicial ethics, public trust, and why the Supreme Court limits factual review.
Jurisdictional Boundaries When Courts Collide in Mortgage Disputes
The Supreme Court clarifies that factual questions in foreclosure cases are beyond its review, and explains the remedy of consignation.
GSIS Foreclosure Redemption: Balancing Member Needs and Fund Solvency
Supreme Court ruling on GSIS foreclosure redemption rights, explaining when members can repurchase foreclosed property and the limits of that right.
Protecting Condominium Buyers: Annulling Improperly Foreclosed Mortgages
When a developer mortgages condominium units without required approval, buyers can annul the mortgage and foreclosure. Learn the rules from a Supreme Court case.
Protecting Condominium Buyers: Annulling Mortgage Foreclosure for Undeclared Encumbrances
Learn how the Supreme Court protected a condominium buyer from foreclosure due to undeclared mortgages, and what this means for property buyers.
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.
Foreclosure and the Right to Possession: Protecting Bank Assets in Liquidation
A bank in liquidation can still seek a writ of possession over foreclosed property. Learn the rules on jurisdiction, intervention, and redemption.
Chattel vs Real Property: How Mortgage Classification Affects Foreclosure Rights
Philippine Supreme Court ruling on when machinery is chattel or real property, and why classification determines what a mortgage covers.