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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Extrajudicial Foreclosure and Redemption: Lessons from DBP v. Piñeda
Learn how the Supreme Court clarified the one-year redemption period in extrajudicial foreclosure and the good faith rule for mortgagee possession.
Homestead Redemption After Foreclosure: The 5-Year Right Under the Public Land Act
Homesteaders have a five-year right to repurchase foreclosed land under the Public Land Act, even after a bank consolidates title.
Equitable Mortgage vs. Pacto de Retro Sale: When a "Sale" Is Really a Loan
Philippine courts look beyond contract labels. Learn how Articles 1602 and 1603 protect borrowers from disguised loans and unfair foreclosure.
Equitable Mortgage vs. Sale With Right to Repurchase: Philippine Supreme Court Ruling
Philippine Supreme Court explains when a "sale with right to repurchase" is actually an equitable mortgage, protecting borrowers from unfair foreclosure.
Lost Your Property to Foreclosure? Know Your Rights to Proper Notice in the Philippines
Learn how the Supreme Court protects borrowers from invalid foreclosure sales when banks fail to follow notice and publication rules.
Mortgage Foreclosure: What Happens When a Bank Consolidates Title Before Your Case Ends
Philippine Supreme Court ruling on bank consolidation of foreclosed property title, TRO effects, and borrower rights during pending litigation.
When Banks Lose the Right to Collect: Estoppel in Foreclosure Deficiency Claims
When can a bank be barred from collecting a foreclosure deficiency? The Supreme Court explains estoppel's limits in PNB v. Court of Appeals.
Mortgage Foreclosure After Death of a Debtor: Creditor Options in the Philippines
When a mortgagor dies, creditors have three legal options. Learn how extrajudicial foreclosure works under Philippine law.
Acceleration Clauses in Philippine Chattel Mortgages: Rights and Limitations
Philippine Supreme Court ruling on acceleration clauses in chattel mortgages, good faith, and damages for wrongful foreclosure.
Validating Foreclosure Sales: Due Process and Property Rights in Philippine Law
A 1999 Supreme Court ruling explains when extrajudicial foreclosure sales are valid despite claims of defective notice, low price, or holiday sale.
Buyer Beware Understanding Mortgage Foreclosure Risks When Purchasing Property in the Philippines
Learn from Ligon v. Court of Appeals why buyers of mortgaged Philippine property face serious foreclosure risks and what due diligence requires.
Repossession Expenses and Chattel Mortgage Foreclosure: Understanding Mortgagor Liabilities
When foreclosure becomes a fait accompli, can a mortgagor still sue for damages? The Supreme Court clarifies the rule.
Premature Foreclosure and Damages Claims: What Happens After the Auction Sale
Philippine Supreme Court rules foreclosure sale does not moot a damages claim for premature foreclosure. Know the legal implications.
Buyer Beware Inheriting Obligations IN Philippine Property Foreclosures
Philippine Supreme Court ruling on property foreclosures: buyers may inherit seller's obligations to installment buyers, even without written contracts.
Tenant Rights VS Foreclosure Protecting Agricultural Lessees IN THE Philippines
Learn how Philippine law protects agricultural lessees from eviction after foreclosure, and what tenants must prove to keep their land.
Res Judicata and Writs of Possession: Protecting Property Rights in Foreclosure Disputes
A writ of possession is not a judgment on the merits, so it does not bar a later action to annul a foreclosure. Learn the rule.
Sheriff Misconduct Consequences of Unauthorized Actions in Foreclosure Sales
A deputy sheriff's unauthorized foreclosure sale notice led to suspension. Learn the rules on venue and sheriff accountability.
Overlapping Land Titles in the Philippines: Resolving Ownership Disputes
Learn how Philippine courts resolve ownership disputes involving overlapping land titles, foreclosure, and tenant rights under agrarian reform laws.
Foreclosure Rights Understanding Redemption Periods AND Legal Recourse IN THE Philippines
Philippine Supreme Court ruling on writs of possession in extrajudicial foreclosure when tenants occupy the property.
Mortgage Foreclosure in the Philippines: Protecting Your Rights Against Unilateral Interest Rate Hikes
Learn how the Supreme Court protects borrowers from unilateral interest rate hikes and what notice is required in Philippine mortgage foreclosures.
Receivership in Foreclosure Disputes: Venue and Real Actions Under Rule 59
When can a court appoint a receiver in a foreclosure dispute? The Supreme Court clarifies the rules on receivership, venue, and real actions.
Foreclosure Sales Ensuring Validity AND Protecting Property Rights IN THE Philippines
Learn how Philippine courts validate foreclosure sales and protect property rights through strict procedural compliance and equitable remedies.
Mortgage Foreclosure Surplus: Mortgagor Rights to Excess Bid Proceeds in the Philippines
Philippine Supreme Court ruling on mortgagor rights to surplus proceeds from extrajudicial foreclosure sales and writ of possession.
Extrajudicial Foreclosure Venue: Why Judges Must Follow Act 3135, Not the Rules of Court
A judge's fine for gross ignorance of the law clarifies that extrajudicial foreclosure venue follows Act 3135, not general venue rules.