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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Usury Under Scrutiny: How the Supreme Court Uncovers Hidden Interest in Loan Agreements
In First Metro Investment Corp. v. Este del Sol, the Supreme Court exposed underwriting and consultancy fees as cloaks for usurious interest in a 1978 loan.
Pactum Commissorium: Why Automatic Property Grab in Loan Agreements Is Illegal in the Philippines
Philippine law bans pactum commissorium—automatic property forfeiture in loans. Learn the rule, the Marino v. Salcedo case, and your rights.
Equitable Reduction of Excessive Interests: Balancing Contractual Obligations and Fairness in Loan Agreements
Philippine Supreme Court ruling on reducing excessive interest rates in loan agreements, balancing contractual freedom with equity and fairness.
Promissory Notes vs Loan Agreements: Legitimacy in Philippine Investment Transactions
Philippine Supreme Court clarifies when loan documents are legitimate investments, using a disbarment case to explain forgery, consent, and moral character.
Decoding Loan Agreements: How Ambiguity Can Invalidate Penalty Clauses in the Philippines
Philippine Supreme Court ruling on how ambiguous penalty clauses in loan agreements, especially contracts of adhesion, are construed against the drafting bank.
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.
Surety vs Guarantor: Co-Maker Liability in Philippine Loans Explained
Philippine Supreme Court clarifies the difference between a surety and a guarantor in co-maker loan agreements, and when a creditor may sue one alone.