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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Loan Agreements and Chattel Mortgages: When Can a Signed Contract Be Challenged
A signed loan document isn't always binding. Learn when Philippine courts allow borrowers to challenge promissory notes and chattel mortgages.
Equitable Mortgage vs Absolute Sale: Protecting Borrowers in Land Transactions
When is a deed of sale actually a loan secured by property? The Supreme Court explains equitable mortgage protections for borrowers.
Equitable Mortgage vs Absolute Sale: When a Deed of Sale Is Really a Loan Security
Philippine Supreme Court explains when a deed of absolute sale is actually an equitable mortgage protecting borrowers from predatory lending.
Equitable Mortgage vs Sale with Right to Repurchase: Protecting Borrowers in Property Deals
When is a "sale with right to repurchase" actually an equitable mortgage? The Supreme Court explains the legal tests protecting vulnerable borrowers.
Equitable Mortgage Protecting Borrowers From Unfair Sale Agreements
Equitable Mortgage vs Absolute Sale: Protecting Borrowers in Five-Six Lending
When is a deed of sale actually a mortgage? The Supreme Court protects borrowers in five-six lending schemes.
When a Deed of Sale Is Really an Equitable Mortgage: Cruz v. Cruz
The Supreme Court explains when a purported deed of sale is actually an equitable mortgage, protecting borrowers from losing property for a fraction of its value.
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.
Usurious Loans and Mortgage Validity When Interest Exceeds Legal Limits in the Philippines
Philippine Supreme Court ruling on usurious loans: when hidden interest voids a mortgage and what borrowers and lenders should know.
Usury Law and Mortgage Foreclosure: Protecting Borrowers From Excessive Interest
When a loan's hidden interest exceeds the Usury Law's 12% cap, the mortgage securing it may be void, and foreclosure invalid.
Equitable Mortgage vs Pacto de Retro: Protecting Borrowers in Land Transactions
When is a deed of sale with right of repurchase actually an equitable mortgage? The Supreme Court explains in Blancia v. Calauor.
Equitable Mortgage vs Absolute Sale: Protecting Borrowers in Financial Distress
When is a deed of absolute sale really a mortgage? The Supreme Court explains how courts protect borrowers who sign sale documents under financial pressure.
Default and Damages: Clarifying Rights in Chattel Mortgage Disputes
Philippine Supreme Court clarifies default rules, damages, and replevin in chattel mortgage disputes—key lessons for creditors and borrowers.
Equitable Mortgage vs. Pacto de Retro Sale: When a "Sale" Is Really a Loan
Philippine courts look beyond contract labels. Learn how Articles 1602 and 1603 protect borrowers from disguised loans and unfair foreclosure.
Equitable Mortgage vs. Sale With Right to Repurchase: Philippine Supreme Court Ruling
Philippine Supreme Court explains when a "sale with right to repurchase" is actually an equitable mortgage, protecting borrowers from unfair foreclosure.
Lost Your Property to Foreclosure? Know Your Rights to Proper Notice in the Philippines
Learn how the Supreme Court protects borrowers from invalid foreclosure sales when banks fail to follow notice and publication rules.
Unmasking Equitable Mortgages in the Philippines: When a Deed of Sale Isn’t Really a Sale
Philippine Supreme Court explains when a deed of absolute sale is actually an equitable mortgage, protecting borrowers from unfair land deals.
Avoiding Pactum Commissorium: Protecting Borrowers in Philippine Loan Agreements
Learn how the Supreme Court protects borrowers from pactum commissorium—automatic property appropriation in loan agreements—under Philippine law.
Don't Get Trapped by Your Signature: How Estoppel Affects Home Construction Loans in the Philippines
A homeowner signed loan release documents, then tried to disown them. The Supreme Court applied estoppel—here's what that means for borrowers.
Equitable Mortgage vs. Pacto de Retro Sale: When a "Sale" Is Really a Loan
Philippine law presumes certain "sales with right to repurchase" are equitable mortgages, protecting borrowers from unfair lending arrangements.
Mortgage Foreclosure in the Philippines: Protecting Your Rights Against Unilateral Interest Rate Hikes
Learn how the Supreme Court protects borrowers from unilateral interest rate hikes and what notice is required in Philippine mortgage foreclosures.
Chattel Mortgage Insurance: When Lenders Must Notify Borrowers of Premium Payments
Philippine Supreme Court rules on chattel mortgage insurance renewals, lender obligations, and borrower notice requirements in installment payments.