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.
Get a cited, plain-language answer from 184,000+ statutes and decisions — free, no sign-up.
Novation and Loan Enforceability: When a Verbal Change Makes a Debt Due
Explaining how a verbal agreement to start paying early can novate a loan's conditions, making it due and demandable under Philippine law.
Novation Must Be Clear: Restructuring Agreements Do Not Automatically Extinguish Prior Obligations
Philippine Supreme Court ruling on when debt restructuring novates an obligation and when it merely modifies the original agreement.
Novation Requires Unequivocal Agreement Understanding Contractual Modifications IN Philippine LAW
Philippine Supreme Court ruling on novation: mere partial payment does not prove agreement to modify a contract. Learn the legal requisites.
Novation and the Parol Evidence Rule in Philippine Contract Law
Explaining how a later purchase order can novate an earlier contract, and when courts may admit evidence outside a written agreement.
Novation and Insurance Claims: Contractual Obligations in Secured Transactions
When a mortgaged car is carnapped, does insurance payment extinguish the loan? The Supreme Court clarifies novation rules.
Novation in Property Sales: When a Deed of Absolute Sale Supersedes a Conditional Sale
Explaining when a later deed of absolute sale novates or supersedes an earlier conditional sale, based on a Philippine Supreme Court ruling.
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.
Real Estate Installment Cancellation Rules Under the Maceda Law: Key Lessons from Fabrigas v. San Francisco De
Philippine Supreme Court clarifies Maceda Law cancellation rules, novation, and ratification in installment contract disputes.
Contract to Sell Cancellation: Maceda Law Rules and Novation Explained
Learn the Maceda Law rules on cancelling a contract to sell, when a new contract can replace the old one, and key takeaways from Fabrigas v. San Francisco Del Monte.
Novation Requires a Completely New and Valid Agreement: Loan Restructuring Lessons
The Supreme Court clarifies when restructuring a loan creates novation, and how usurious interest rates are treated under Philippine law.
Novation in Philippine Law: Can a Restructuring Agreement Extinguish Promissory Note Obligations?
Philippine Supreme Court clarifies when a restructuring agreement novates promissory notes, and when it merely modifies payment terms without extinguishing the debt.
Novation and Solidary Obligations: Understanding Debt Liability in the Philippines
Learn when novation applies to debts in the Philippines and why solidary obligors remain liable despite bounced checks or alleged substitutions.
Novation and Trust Receipts: When a Debt Restructuring Agreement Extinguishes Criminal Liability
Learn when a debt restructuring agreement novates trust receipt obligations and extinguishes criminal liability under Philippine law.
Loan or Partnership: Supreme Court on Novation and Acknowledgment Receipts
When does a loan become a partnership contribution? The Supreme Court clarifies novation, acknowledgment receipts, and payment application rules.
Bouncing Checks and Broken Promises: Understanding Novation and Criminal Liability in the Philippines
The Supreme Court clarifies when issuing bouncing checks constitutes estafa despite existing contracts and business history between parties.
Novation by Implied Consent: When a Creditor's Silence Speaks Volumes
Philippine Supreme Court ruling on how a creditor's failure to object to a debtor substitution can constitute implied consent to novation.
Novation and Suretyship: Understanding Debt Substitution in Philippine Law
Philippine Supreme Court clarifies when debt substitution is novation versus suretyship, and why accommodation parties remain liable.
Understanding Novation in Philippine Contract Law: When Does a New Agreement Cancel the Old
Philippine Supreme Court explains when a new contract cancels an old one, and why novation is never presumed in law.
Novation Is Not a Get-Out-of-Jail Free Card: Understanding Estafa and Criminal Liability in Philippine Law
Philippine Supreme Court clarifies when novation can extinguish criminal liability in estafa cases, and when it cannot.
Novation in Philippine Law: When Does a Contract Truly Change
Understand when a contract is truly novated under Philippine law, and how courts distinguish mere modifications from genuine substitutions of obligation.
Compulsory Licensing of Patents: Balancing Innovation and Public Access in the Philippines
Explaining the Supreme Court's ruling on compulsory licensing of pharmaceutical patents, balancing patent rights with public health needs.
Protecting Your Innovation Understanding Utility Model Patents IN THE Philippines
Learn how the Supreme Court clarified COA's audit powers and the principle of quantum meruit in government construction contracts.