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.
Mortgagor's Stipulated Right to Notice Prevails in Foreclosure Proceedings
Supreme Court rules banks must honor contractual stipulations requiring personal notice to mortgagors before extrajudicial foreclosure, or risk nullifying the sale.
Novation Must Be Clear: Restructuring Agreements Do Not Automatically Extinguish Prior Obligations
Philippine Supreme Court ruling on when debt restructuring novates an obligation and when it merely modifies the original agreement.
Stay Orders in Corporate Rehabilitation: Why All Claims Against Distressed Firms Are Suspended
The Supreme Court explains why all claims against corporations under rehabilitation are suspended, regardless of when the claim arose.
When Foreclosure Is Not Bad Faith: DBP v. Doyon on Mortgagee Rights
Supreme Court clarifies when a bank's foreclosure after withdrawing an earlier case is not bad faith, and upholds mortgage possession and auction rules.
Redundancy Programs Upholding Employer Rights IN Employee Dismissal
Supreme Court affirms employer's right to contract out work during business exigencies, clarifying limits of unfair labor practice claims.
Redundancy in Labor Law Justifying Employee Termination During Business Restructuring
Philippine Supreme Court clarifies when business restructuring justifies termination and how regular employment status is determined under the four-fold test.
Loan Restructuring vs Mortgage Release: When Must a Bank Return Collateral?
When a borrower restructures a loan and assigns property as partial payment, is the bank obliged to release other collateral? The Supreme Court explains.
Proving Just Cause in Retrenchment and Redundancy: Lessons from AMA Computer College
Learn what employers must prove for valid retrenchment or redundancy dismissals, and why AMA Computer College's termination of two employees was ruled illegal.
Strikes and Employee Rights: Understanding the Limits of Union Activities in the Philippines
Philippine Supreme Court ruling on illegal dismissal, union busting, corporate veil piercing, and quitclaims in labor disputes.
Unlock Loan Restructuring Benefits: Why Application Is Key Under Philippine Law
Philippine Supreme Court ruling on RA 7202 shows why filing an application is essential to claim loan restructuring and condonation benefits.
Protecting Your Property Investments Understanding Grace Periods AND Cancellation IN Philippine Real Estate Co
Learn how Philippine law protects real estate buyers on installment, including grace periods, cancellation rules, and cash surrender value rights under RA 6552.
Automatic Contract Cancellation in the Philippines: Grace Periods and Buyer Obligations
Missed payments on a Contract to Sell can trigger automatic cancellation. Learn the rules from Santiago v. Court of Appeals.
Usury Law and Contractual Obligations: Striking the Balance in Loan Agreements
The Supreme Court clarifies how the Usury Law interacts with loan restructuring, refinancing, and the binding force of contracts in DBP v. CA.
Consignation and the Debtor's Right to Withdraw: Lessons from Banco Filipino v. Diaz
When can a debtor withdraw a consignated deposit? The Supreme Court explains the rules under Article 1260 of the Civil Code.
Mortgage Still Valid Loan Restructuring AND Novation IN THE Philippines Reyes V BPI Family Savings Bank
When does loan restructuring cancel a real estate mortgage? The Supreme Court explains novation rules in Reyes v. BPI Family Savings Bank.
Presidential Power Limits on Foreign Debt Contraction in the Philippines
The Supreme Court clarifies the President's power to contract foreign loans, including debt buybacks and bond conversions, under Section 20, Article VII of the Constitution.
Can Court Employees Be Disciplined for Private Debts? The Quedancor Case
The Supreme Court ruled that court personnel may be reprimanded for willful failure to pay just debts, even if the debt is purely private and incurred before entering the Judiciary.
Lease Agreements Upholding Contractual Grace Periods Despite Payment Restructuring
Philippine Supreme Court ruling on how payment restructuring letters affect contractual grace periods in lease agreements.
Novation Requires a Completely New and Valid Agreement: Loan Restructuring Lessons
The Supreme Court clarifies when restructuring a loan creates novation, and how usurious interest rates are treated under Philippine law.
Deposit Insurance Coverage and the Usual Course of Business Rule in Bank Transactions
Supreme Court ruling on PDIC coverage for deposits made before a bank's closure, defining "usual course of business."
Executive Power vs Legislative Domain: Defining Reorganization Authority in Philippine Sports Governance
A 2003 Supreme Court ruling on EO 81 clarifies the President's power to reorganize the Executive Branch and transfer agency functions.
Loan Restructuring and Surety Release: Key Protections for Guarantors in Philippine Law
Philippine Supreme Court ruling on when loan restructuring releases a surety from liability, and what guarantors must know about their rights.
Trust Receipts and Estafa in the Philippines: Understanding Liability and Compliance
Learn how the Supreme Court clarified trust receipt violations, estafa liability, and probable cause in Metrobank v. Tonda.
How Corporate Rehabilitation Suspends Labor Disputes: The Rubberworld Case
When a company under rehabilitation faces labor claims, the SEC's automatic stay suspends all actions—including labor cases before the NLRC.