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.
Notarial Duty to Verify Identity: Lessons from Dionisio v. Padernal
Notarization is not a mechanical act. A notary must verify identity using competent evidence—not community tax certificates—or face sanctions.
CBA-Protected Benefits: When Management Prerogative Cannot Override the Collective Bargaining Agreement
Philippine Bank of Communications v. PBCOMEA: benefits written into a CBA cannot be unilaterally changed by management without union participation.
Solidary Liability and Interest Rates in Philippine Partnerships: Key Lessons from a Supreme Court Ruling
A look at a Supreme Court ruling on solidary liability, novation, and unconscionable interest rates in business loans and partnerships.
Res Judicata Bars Relitigation of Contract Validity in Loan Disputes
The Supreme Court clarifies when a dismissal order bars a second lawsuit on the same loan contract under res judicata.
Mutuality of Contracts and Foreclosure Rights in Philippine Loans
Philippine Supreme Court clarifies that void interest stipulations do not invalidate foreclosure when the principal debt remains unpaid.
Public Purpose in Government Loans to Private Entities: The Bawasanta Case
When can local governments lend public funds to private entities? The Supreme Court clarifies the public purpose rule in Bawasanta v. People.
Dacion en Pago: How to Properly Extinguish Loan Obligations in the Philippines
Philippine Supreme Court explains how dacion en pago works, when loan obligations are extinguished, and the pitfalls lenders must avoid.
DOSRI Violations in Philippine Banking: Lessons from Apolinario v. People
The Supreme Court's ruling in Apolinario v. People clarifies DOSRI rules, insider lending limits, and director liability in Philippine banking.
Defective Vehicle Refund and Manufacturer Liability Under the Consumer Act
Supreme Court ruling clarifies consumer refund rights for defective vehicles and manufacturer liability under RA 7394, with administrative fines reinstated.
Spousal Consent and Conjugal Property: When a Sale Without Permission Is Void
Learn when a spouse can sell conjugal property without consent in the Philippines, and why such sales are void under the Family Code.
Unilateral Interest Rate Hikes When Banks Overstep Their Bounds In Loan Agreements
Philippine Supreme Court rules on void unilateral interest rate hikes by banks, mutuality of contracts, and foreclosure validity.
Hierarchy of Courts in Certiorari Petitions: Lessons from Nacionales v. Solde-Annogui
The Supreme Court reaffirms the hierarchy of courts doctrine, requiring certiorari petitions to start at the RTC, not the High Court.
Calculating Redemption Price in Extrajudicial Foreclosures: BPI v. LCL Capital Explained
Learn how Philippine courts compute redemption prices in bank foreclosures under the General Banking Law, based on the Supreme Court's ruling in BPI v. LCL Capital.
Lawyer Suspended for Borrowing from Client: Anacay v. Alberto Explained
The Supreme Court suspended a lawyer for two years for borrowing money from a client without protecting the client's interests, reaffirming strict fiduciary duties.
Property Transactions and Novation: Lessons from East West Banking v. Cruz
A Supreme Court ruling clarifies when a bank—or any party—can sue, and why choosing the wrong appeal can end a case.
Ultra Vires Acts and Contract Validity: The SSS Loan Case Explained
When government agencies exceed their powers, contracts may be void. The Supreme Court explains ultra vires acts and their impact on Philippine contracts.
Capital Reduction Rules in the Philippines: What Shareholders Should Know After Metroplex v. Sinophil
The Supreme Court clarifies the requirements for reducing corporate capital stock under Section 38 of the Corporation Code, and limits SEC review.
Oral Contracts of Sale: Validity and Enforceability Under Philippine Law
When is a verbal sale agreement binding in the Philippines? Learn the rules on validity, enforceability, and vitiated consent from a recent Supreme Court ruling.
Crossed Checks as Proof of Debt: A Landmark Philippine Supreme Court Ruling
The Supreme Court ruled that crossed checks issued to a named payee are strong evidence of debt, reversing the Court of Appeals.
Unveiling Simulated Contracts When Loans Mask True Intentions in Philippine Law
Philippine Supreme Court clarifies when credit line agreements are simulated contracts, and how courts uncover the true intent behind loan documents.
Simulated Loan Contracts and Surety Liability: Lessons from ATCI v. Asset Pool A
A Supreme Court ruling on simulated loan contracts shows when a surety agreement falls with the void principal obligation.
SALN Misdeclarations and Loans: When Public Officials Avoid Administrative Liability
Supreme Court clarifies when a public official's failure to fully declare assets in SALNs is not grave misconduct or dishonesty.
Novation in Philippine Estafa Cases: When Settlements Prevent Criminal Liability
Learn when amicable settlements can extinguish criminal liability for estafa under Philippine law, based on the Supreme Court's ruling in Sorongon v. People.
Extinctive Novation: When a New Loan Cancels an Old Debt and Invalidates Foreclosure
Philippine Supreme Court ruling explains how extinctive novation cancels old debts and why foreclosing on extinguished obligations is premature and void.