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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Crossed Checks as Proof of Debt: A Landmark Philippine Supreme Court Ruling
The Supreme Court ruled that crossed checks issued to a named payee are strong evidence of debt, reversing the Court of Appeals.
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.
Estafa Misappropriation Requires a Duty to Deliver: Vicente v. People
The Supreme Court acquits a contractor of estafa, ruling that a mere debt, without a duty to deliver funds, is not misappropriation.
Protecting Conjugal Property from a Spouse’s Personal Debts: Cordova v. Ty Explained
Can creditors seize conjugal property for one spouse’s personal debt? The Supreme Court’s ruling in Cordova v. Ty explains the limits.
Fraudulent Debt and Writs of Attachment: Protecting Your Assets in the Philippines
The Supreme Court explains when a writ of preliminary attachment may issue based on alleged fraud in contracting a debt, and what sureties should know.
Debtors' Burden of Proof in Loan Repayment Disputes: Insights from the Supreme Court
A debtor who claims payment must prove it. The Supreme Court clarifies the burden of proof in loan collection cases.
Prescription Period for Oral Contracts: What Creditors and Debtors Must Know
The Supreme Court clarifies the six-year prescription period for oral contracts and why timely action is critical for creditors and debtors.
Rehabilitation Proceedings Balancing Contractual Obligations AND Corporate Recovery
Explore how Philippine courts balance contractual obligations with corporate rehabilitation, ensuring fair treatment for creditors and debtors.
Credit Card Debt in the Philippines: Interest Rates, Obligations, and the Uysipuo Ruling
The Supreme Court clarifies how credit card interest rates are computed and when courts can reduce unconscionable charges.
Understanding Acceleration Clauses in Loan Agreements: A Guide to Immediate Debt Repayment
The Supreme Court explains how acceleration clauses work in loan agreements, allowing creditors to demand full payment upon default.
Foreclosure During Conservatorship: Can a Company's Directors Still Act?
Supreme Court clarifies that a conservator does not replace a company's board; directors may still initiate foreclosure to collect debts.
Proving Debt With Delivery Receipts: Preponderance of Evidence in Commercial Cases
Learn how delivery receipts and bills of lading can prove unpaid commercial debts under the preponderance of evidence rule.
Non-Payment of Debts and Insubordination in Court Employment: A Cautionary Tale
The Supreme Court explains when a court employee's failure to pay debts and defiance of Court orders can lead to dismissal from service.
When SEC Authority Prevails: Jurisdiction and Real Party in Interest in Corporate Debt Disputes
Learn how the Supreme Court clarified jurisdiction and real party in interest rules in corporate debt disputes under SEC authority.
Due Process and Delay: Upholding Debt Recovery Despite Repeated Postponements
Philippine Supreme Court ruling on how repeated postponements do not violate due process in debt recovery cases.
Res Judicata and Preliminary Attachment: Protecting Judicial Stability in Debt Recovery
Learn how the Supreme Court applied res judicata and litis pendentia to bar a second certiorari petition challenging a writ of preliminary attachment in debt collection.
Compromise Agreements Ensuring Mutuality AND Enforceability IN Debt Settlements
Philippine Supreme Court approves compromise agreement in debt settlement, highlighting mutual concessions and clear terms for enforceability.
Valid Dation in Payment: When a Debtor's Creditor Still Has Authority to Settle
Supreme Court explains when a dation in payment is valid even if the creditor assigned its receivables to another party.
Contractor's Solidary Liability and Full Payment Defense in Subcontracting Agreements
When can a contractor be held liable for a subcontractor's unpaid debts? The Supreme Court explains solidary liability and the full payment defense.
Revival of Judgment: How Debtor's Actions Affect Execution Deadlines
When a judgment debtor's own actions delay execution, the five-year period to enforce a judgment by motion may be tolled.
Piercing the Corporate Veil: When a Corporation’s Assets Answer for an Individual’s Debt
The Supreme Court explains when courts may pierce the corporate veil—even for non-stock corporations—to make corporate assets answer for an individual’s judgment debt.
Estate vs Individual Liability: Who Can Be Sued in Debt Recovery Cases
Philippine Supreme Court clarifies when an estate can be sued and the limits of dismissing cases against individual defendants.
Estafa Corporate Liability vs Personal Liability in Loan Agreements
When is a corporate officer personally liable for estafa in a loan deal? The Supreme Court clarifies the line between criminal fraud and civil debt.
Lawyer Suspended for Bounced Checks and Unpaid Debts: A Lesson in Professional Integrity
The Supreme Court suspended a lawyer for one year for failing to pay debts and issuing bouncing checks, reinforcing ethical standards for attorneys.