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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Disclosure in Fire Insurance Policies: Avoiding Forfeiture Under the Other Insurance Clause
A fire insurance claim can be forfeited for failing to disclose other policies covering the same property. Learn the rules.
Mortgage Foreclosure and Prescription in the Philippines: Key Lessons from a Landmark Case
Learn how prescription periods affect mortgage foreclosure in the Philippines, based on the Supreme Court's ruling in Active Wood Products v. State Investment House.
Forum Shopping and Jurisdictional Challenges in Real Estate Mortgage Disputes
Learn how filing separate cases on mortgage validity and foreclosure can constitute forum shopping, and why the HLURB has exclusive jurisdiction.
Understanding the Importance of Proper Service of Summons in Judicial Foreclosure Cases in the Philippines
Learn how a Supreme Court ruling on simple neglect of duty underscores the critical role of proper service of court orders in Philippine judicial proceedings.
Understanding Equity of Redemption in Philippine Property Law: A Landmark Case Insight
A Supreme Court ruling clarifies the equity of redemption for junior lien holders in judicial foreclosures, protecting their rights when not impleaded.
Understanding the Special Power to Sell in Real Estate Mortgages: A Supreme Court Ruling
Learn how the Supreme Court clarified what constitutes a valid special power to sell in extrajudicial foreclosure of real estate mortgages.
Foreign Bank Foreclosures in the Philippines: Lessons from Parcon-Song v. Parcon
A 2020 Supreme Court ruling clarifies when foreign banks may foreclose on Philippine property and why the timing of the foreclosure matters.
Medical Concealment and Seafarer Disability Claims: Lessons from Clemente v. Status Maritime
The Supreme Court denies disability benefits to a seafarer who concealed a pre-existing shoulder condition, clarifying the rules on medical disclosure and PEME.
Understanding Writ of Possession: Protecting Third-Party Rights in Foreclosure Cases
The Supreme Court clarifies that a writ of possession is not absolute when a third party adversely possesses foreclosed property.
Business Closure and Employee Rights: The Supreme Court's Stance on Good Faith
Understand the Supreme Court's ruling on business closure, employee rights, and the critical role of good faith in labor disputes.
Foreclosure During Conservatorship: Can a Company's Directors Still Act?
Supreme Court clarifies that a conservator does not replace a company's board; directors may still initiate foreclosure to collect debts.
Writ of Possession in Philippine Foreclosures: Finality and the Lessons from HH & Co. v. Perlas
Learn when a writ of possession becomes final and executory in Philippine foreclosures, and why courts rarely recall it, based on HH & Co. v. Perlas.
Unconscionable Interest Rates: When 5% Monthly Loan Interest Is Void in the Philippines
Philippine courts void unconscionable loan interest rates even if borrowers agreed to them. Learn the rules, the legal interest substitute, and foreclosure effects.
Attorney-Client Privilege: When Public Disclosure Crosses the Line in Legal Ethics
In-house counsel suspended for media disclosures. The Supreme Court clarifies the limits of attorney-client privilege and confidentiality duties.
Forged Check Nullifies Loan and Foreclosure: Lessons from PNB v. Giron-Roque
A forged check voids a loan and its foreclosure. Learn the banking diligence rules and borrower remedies from this Philippine Supreme Court case.
Writ of Possession After Foreclosure: Third-Party Claims in Philippine Mortgage Sales
Philippine Supreme Court ruling on writ of possession in mortgage foreclosures, explaining when third-party adverse claims can block eviction.
Compromise Agreements and Foreclosure: Reasserting a Bank's Right to Possess
When borrowers default on a compromise agreement after foreclosure, a bank can secure a writ of possession as a matter of right.
GSIS Lands Foreclosed by Government Financial Institutions Are Subject to Agrarian Reform
Supreme Court rules GSIS-acquired lands from foreclosures are not exempt from agrarian reform coverage under RA 6657.
MCLE Disclosure Failures: Cruz v. Onshore Strategic Assets and Case Dismissal
A lawyer's failure to disclose MCLE compliance in pleadings can lead to dismissal of the case, as Cruz v. Onshore Strategic Assets shows.
Judicial Demand as Cure for Default and Foreclosure Rights in Loan Agreements
How filing a complaint can cure lack of extrajudicial demand, and why collection and foreclosure are mutually exclusive remedies.
Boracay Closure: Balancing Environmental Protection and Constitutional Rights in Philippine Law
The Supreme Court upheld the Boracay closure under Proclamation No. 475, ruling on presidential power, environmental protection, and constitutional rights.
Foreclosure Writ of Possession: Appeal Does Not Stay Implementation
Supreme Court clarifies that an appeal of a writ of possession order in extrajudicial foreclosure does not suspend its implementation.
Mortgage Foreclosure and Third-Party Property: UCPB's Duty to Protect Borrower Interests
When a bank forecloses property mortgaged by a third party without the owner's consent, the Supreme Court protects the true owner's rights.
Breach of Contract When Personal Notice in Foreclosure Is a Must
When a mortgage contract requires personal notice of foreclosure, the bank must comply—or the sale is void.