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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When Is a Contract of Sale Perfected? Lessons from Villanueva v. PNB
A Supreme Court ruling clarifies when offers, counter-offers, and deposits create—or fail to create—a binding contract of sale.
Lost Deals: Why a Vague "Yes" Isn't Enough to Seal a Property Sale in the Philippines
A buyer's "conforme" to a seller's price without agreeing on payment terms is only a counter-offer. Learn from Villanueva v. PNB.
Sheriff's Duties in Execution Sales: Lessons from PNB Madecor v. Cachero
A sheriff's misconduct in an execution sale leads to dismissal. Learn the rules on levies, bids, and redemption.
Bank Negligence in Clearing Checks Without Fund Verification: PNB v. Campos
When a bank clears a check without verifying funds, it may bear the loss. The PNB v. Campos ruling explained.
Mortgage Foreclosure After Full Payment Is Void: PNB v. Court of Appeals
A mortgage foreclosure is void if the loan it secures was already paid. Learn the rules from this Philippine Supreme Court case.
Missed Your Appeal Deadline Philippine Supreme Court ON Finality OF Judgments 2
Learn how the Supreme Court protected a litigant's right to document production in Santos v. PNB, clarifying trial court discretion and NBI examination requirements.
Lawyer Suspended for Misappropriating Client Funds in Fake PNB Fixer Scheme
A Supreme Court ruling suspends a lawyer for six months for misappropriating P60,000 from a client through false claims of bank connections.
Lawyer Suspended for Misappropriating Client Funds in Loan Restructuring Scheme
A lawyer's six-month suspension for misappropriating P60,000 in client funds and fabricating a PNB connection underscores ethical duties.
Piercing the Corporate Veil: When a Bank Isn't Liable for a Foreclosed Firm's Debts
PNB acquired PASUMIL's foreclosed assets but wasn't liable for its debts. The Supreme Court explains when corporate veil piercing applies.
PNB Not Liable for MMIC’s Unpaid Debts to Supplier After Foreclosure
Foreclosing creditor not liable to third-party supplier for unpaid debts of borrower; Supreme Court explains ownership and standard mortgage remedies.
PNB v. Ritrato Group: Suing the Wrong Party in Foreclosure Disputes
Learn why the Supreme Court dismissed an injunction suit against PNB, a mere attorney-in-fact, and how corporate veil piercing works.
Accommodation Mortgagor's Right to Redeem at Bid Price: Belo v. PNB
The Supreme Court clarifies that an accommodation mortgagor may redeem foreclosed property by paying only the bid price, not the entire loan.
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.
Behest Loans and Criminal Liability: When a Bank Officer's Recommendation Is Not a Crime
Supreme Court clarifies that a PNB officer's flawed loan recommendation is not automatically a crime under the Anti-Graft law absent authority to bind the bank.
Retroactivity of Subdivision Buyer Protection Laws: PNB v. Office of the President
When do protective laws apply to old contracts? The Supreme Court clarifies P.D. 957's retroactive application to protect lot buyers from developer defaults.