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.
Surety Bound When Invoking Jurisdiction Estops Later Challenges In Construction Disputes
When a surety invokes CIAC jurisdiction to dismiss a court case, it cannot later challenge that jurisdiction. Learn the rule from this Supreme Court ruling.
Conjugal Partnership and Surety Agreements: When a Spouse's Guaranty Does Not Bind the Family
When a husband signs a surety agreement for a third party, the conjugal partnership is not automatically liable. Here's why.
Mortgage Still Valid Loan Restructuring AND Novation IN THE Philippines Reyes V BPI Family Savings Bank
When does loan restructuring cancel a real estate mortgage? The Supreme Court explains novation rules in Reyes v. BPI Family Savings Bank.
Corporate Officer Liability When Signing Loan Documents Leads to Criminal Charges in the Philippines
Learn when signing loan documents as a corporate officer can trigger criminal liability in the Philippines, based on Supreme Court rulings.
Surety Bonds Enforcing Liability Despite Procedural Technicalities
Philippine Supreme Court ruling on when courts may suspend civil cases for prejudicial questions, and how surety obligations remain enforceable.
Ombudsmans Discretion Investigating Complaints Against Public Officials IN THE Philippines
The Supreme Court clarifies the Ombudsman's discretionary power to investigate complaints against public officials and the limits of judicial review.
Guaranty vs Direct Liability: Who Pays the Debt When Loans Go South
Philippine law distinguishes guaranty from direct liability. Learn who pays when a borrower defaults and what this means for creditors and guarantors.
Personal Surety Liability vs Corporate Rights: When Banks Lose Their Claim
A bank's unauthorized extension of credit deadlines releases personal sureties from liability, even when they signed a continuing guaranty.
Upholding Contractual Agreements: Trust Receipts and Surety Agreements in Loan Obligations
The Supreme Court reaffirms that contracts are the law between parties, enforcing stipulated interest, penalties, and service charges in trust receipt loan transactions.
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.
Partnership vs Guarantor: Who Bears Liability in a Business Venture?
Philippine Supreme Court clarifies the line between a partner and a guarantor in business, and who bears liability when the venture fails.
Reasonable Doubt Prevails: Acquittal in Estafa Case on Insufficient Evidence and Hearsay
Supreme Court acquits pawnshop owner in estafa case, ruling that hearsay evidence and uncorroborated testimony cannot overcome the presumption of innocence.
Loan Restructuring and Surety Release: Key Protections for Guarantors in Philippine Law
Philippine Supreme Court ruling on when loan restructuring releases a surety from liability, and what guarantors must know about their rights.
Surety vs. Guaranty in Philippine Law: Key Differences and Liability
Learn the difference between surety and guaranty under Philippine law, and why contract wording—not titles—determines your liability.
Surety vs Guarantor: Co-Maker Liability in Philippine Loans Explained
Philippine Supreme Court clarifies the difference between a surety and a guarantor in co-maker loan agreements, and when a creditor may sue one alone.
Suspension of Payments in the Philippines: Who Can File and What Are the Limits
The Supreme Court clarifies that only corporations, partnerships, or associations—not individuals—may file for suspension of payments under PD 902-A.
Surety Agreements Understanding THE Limits OF Liability IN Philippine LAW
Learn how Philippine courts interpret surety agreements, the limits of a surety's liability, and key defenses under the Civil Code.