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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Foreclosure Rights Understanding Redemption Periods AND Legal Remedies IN Mortgage Disputes
Philippine Supreme Court clarifies when Act No. 3135 applies in mortgage foreclosures and why borrowers must act within the redemption period.
Writ of Possession: Ministerial Duty vs Equitable Claims in Foreclosure
The Supreme Court clarifies when a writ of possession is ministerial in foreclosure cases and when equitable claims may delay it.
Mutuality of Contracts and Foreclosure Rights in Philippine Loans
Philippine Supreme Court clarifies that void interest stipulations do not invalidate foreclosure when the principal debt remains unpaid.
Due Process in Foreclosure: Banks Must Personally Notify Mortgagors
The Supreme Court now requires banks to personally notify mortgagors before extrajudicial foreclosure, reversing decades of precedent under Act No. 3135.
Unilateral Interest Rate Hikes When Banks Overstep Their Bounds In Loan Agreements
Philippine Supreme Court rules on void unilateral interest rate hikes by banks, mutuality of contracts, and foreclosure validity.
Writs of Possession in Extrajudicial Foreclosures: What Borrowers Should Know
Learn when courts must issue writs of possession after extrajudicial foreclosure, the limited exceptions, and the proper remedies for borrowers.
Calculating Redemption Price in Extrajudicial Foreclosures: BPI v. LCL Capital Explained
Learn how Philippine courts compute redemption prices in bank foreclosures under the General Banking Law, based on the Supreme Court's ruling in BPI v. LCL Capital.
Protecting Homebuyers: Supreme Court on Foreclosure and Third-Party Rights
The Supreme Court rules that condominium buyers in actual possession may be excluded from writs of possession after foreclosure, protecting them from summary eviction.
Navigating Disability Benefits for Seafarers: Material Concealment and Work-Related Illnesses
The Supreme Court clarifies when a seafarer's non-disclosure of a medical condition bars disability claims, and when a heart ailment is compensable under the POEA-SEC.
Estoppel in Mortgage Foreclosures: Protecting Borrowers From Unfair Actions
Philippine Supreme Court ruling on co-owner rights in recovery of possession, clarifying when partition is not required before filing ejectment actions.
When Foreclosure Is Valid Despite Pending Labor Case: HSBC v. Galang
The Supreme Court clarifies when a lender may foreclose despite a pending illegal dismissal case, applying debtor-creditor rules.
Understanding Loan Agreements and Foreclosure: Key Lessons from a Philippine Supreme Court Ruling
A Supreme Court ruling clarifies when banks may foreclose and how courts interpret loan agreements, credit lines, and restructuring contracts in the Philippines.
Extinctive Novation: When a New Loan Cancels an Old Debt and Invalidates Foreclosure
Philippine Supreme Court ruling explains how extinctive novation cancels old debts and why foreclosing on extinguished obligations is premature and void.
Understanding the Statute of Limitations in Public Officials' Financial Disclosure Violations
The Supreme Court clarifies when prescription runs for SALN violations under RA 6713 and RA 3019, and what constitutes concealment.
Loan Foreclosure and Corporate Rehabilitation: Key Insights From a Landmark Philippine Case
A Supreme Court ruling clarifies how foreclosure proceedings interact with corporate rehabilitation, novation, and redemption rights in the Philippines.
Understanding Property Disputes: The Impact of Bad Faith Construction on Land Ownership Rights
Learn how the Supreme Court ruled on bad faith claims in property disputes, mortgage validity, and foreclosure rights under Philippine law.
Understanding Mortgage Contract Validity: Lessons from a Philippine Supreme Court Ruling
A Supreme Court ruling clarifies when mortgage contracts are valid, how undue influence is proven, and the limits of injunctive relief in foreclosure disputes.
Understanding the Prohibition Against Splitting a Cause of Action in Loan and Mortgage Cases
A Supreme Court ruling clarifies when a bank cannot file both foreclosure and collection suits for the same loan obligation.
Protecting Homebuyers: How Philippine Law Safeguards Your Investment in Foreclosure Cases
A look at how Philippine law protects homebuyers from defective foreclosure sales, ensuring their investment remains secure.
Preliminary Injunctions in Mortgage Foreclosure Cases: What Philippine Courts Require
Learn the requirements for preliminary injunctions in mortgage foreclosure cases under Philippine law, explained in plain language for property owners and litigants.
When Foreclosure Threatens Your Home: Buyer Protection Under PD 957 Explained
Learn how the Supreme Court protects condominium and subdivision buyers from summary eviction through writs of possession after foreclosure.
Understanding Sheriffs Fees and Improper Solicitation in Extrajudicial Foreclosures
A sheriff's dismissal for demanding P5,000 per title in foreclosure fees—what the Supreme Court said about unauthorized collections.
Navigating Land Disputes: Understanding the Indefeasibility of Torrens Titles in the Philippines
A Supreme Court ruling clarifies how the indefeasibility of Torrens titles protects mortgagees in good faith and foreclosure sale purchasers in land disputes.
Mortgagee in Good Faith in the Philippines: What Jimenez v. Jimenez, Jr. Means for Property Owners
Learn how the mortgagee in good faith doctrine protects lenders and foreclosure buyers in the Philippines, explained through the Jimenez case.