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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Upholding Compromise Agreements: When Can a Party Avoid Their Obligations
The Supreme Court clarifies when compromise agreements bind parties, and when courts may reduce unconscionable interest rates.
Truth in Lending Disclosure in Promissory Note Valid for Penalty Charges
Supreme Court rules penalty charges disclosed in promissory note satisfy Truth in Lending Act, but courts may reduce unconscionable rates.
Unconscionable Interest Rates: When Courts Step In to Protect Borrowers
Philippine courts can reduce excessive loan interest rates. Learn how the Supreme Court protected borrowers from unconscionable terms.
Supreme Court Cuts Credit Card Interest to 2% Monthly as Unconscionable
The Supreme Court reduced BPI's 3% monthly credit card interest and penalty to 2%, citing unconscionable rates.
Reasonable Attorneys Fees Protecting Clients From Unconscionable Contingency Agreements
Unconscionable Interest Rates THE Supreme Courts Intervention IN Equitable Mortgages
Equitable Reduction of Interest: Protecting Borrowers from Unconscionable Loan Terms
The Supreme Court affirms courts' power to reduce unconscionable interest and penalty rates, protecting borrowers from excessive loan charges.
Unconscionable Interest Rates: Protecting Borrowers From Excessive Loan Costs
The Supreme Court affirms that monthly interest rates of 5% to 7% are unconscionable and may be reduced to 12% per annum.
Bouncing Checks and Iniquitous Interest: When a Civil Case Cannot Stop a Criminal Prosecution
Learn when a dispute over unconscionable interest rates can—and cannot—suspend criminal prosecutions for bouncing checks under BP 22.
Upholding Contractual Obligations: The Binding Force of Agreed Interest Rates in Credit Transactions
Supreme Court ruling on agreed interest rates in credit sales, party autonomy, and limits on unconscionable charges.
Bouncing Checks Acquittal: When Lack of Notice of Dishonor Leads to Acquittal and Reduced Civil Liability
SC acquits in B.P. 22 case for lack of proof of notice of dishonor, but reduces unconscionable 10% monthly interest to 12% per annum.
Credit Card Interest and Penalties: Balancing Contractual Freedom and Unconscionability in Debt Obligations
The Supreme Court clarifies when credit card interest and penalty rates are enforceable and when courts may reduce them as unconscionable.
Equitable Reduction of Penalties in Lease Agreements: Balancing Contractual Freedom and Fairness
Supreme Court rules that courts may reduce unconscionable penalties in lease contracts, ordering return of 50% of forfeited security deposits.
Usury Law in the Philippines: When Courts Cut Excessive Interest Rates
The Supreme Court struck down a 48% annual interest rate as unconscionable in Bulos v. Yasuma, showing courts can reduce excessive loan interest even without the Usury Law.
Unconscionable Interest Rates Protecting Borrowers From Excessive Loan Charges
Philippine courts can void excessive interest rates and reset loans to the legal rate. Learn how the Espiritu v. Landrito ruling protects borrowers.
Unconscionable Interest Rates: How Philippine Courts Protect Borrowers
Philippine courts void unconscionable interest rates as against public policy. Learn the rules, jurisprudential standards, and practical protections for borrowers.
Is 24% Interest Legal in the Philippines? Bacolor v. Banco Filipino Explained
The Supreme Court in Bacolor v. Banco Filipino ruled that a 24% annual interest rate agreed upon in writing is not usurious or unconscionable.
Bouncing Checks and Unconscionable Interest: BP 22 Liability in the Philippines
The Supreme Court clarifies when unconscionable loan interest affects criminal liability for bouncing checks under BP 22.
Unconscionable Greed: Attorney's Fees Must Be Reasonable and Just
Philippine Supreme Court nullifies P50M attorney's fee claim, ruling lawyers' compensation must be reasonable, not driven by greed.
Unconscionable Interest Rates When Courts Intervene in Surety Bond Disputes
Philippine courts can reduce stipulated interest rates that balloon beyond the principal debt. Learn the rule from a 2006 surety bond case.
Unconscionable Attorneys Fees When Philippine Courts Intervene
Philippine courts may reduce contingent attorney's fees that are excessive or unconscionable, even if clients freely signed the fee agreement.
Equitable Reduction of Penalties When Courts Can Adjust Contractual Damages in the Philippines
Philippine courts can reduce contractual penalties and liquidated damages when they are unconscionable or when the obligation was partly performed.
Unconscionable Interest Rates When Loan Agreements Become Exploitative
When do monthly interest rates become illegal? The Supreme Court explains the limits of lender freedom in Cuaton v. Salud.
Illegitimacy, Inheritance Rights, and Marital Presumptions in Philippine Law
A Supreme Court ruling on paraphernal property, contract of adhesion, and unconscionable interest rates shows how Philippine law protects borrowers and spouses.