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.
Get a cited, plain-language answer from 184,000+ statutes and decisions — free, no sign-up.
Usury Law Suspension, Freedom to Contract, and Unconscionable Interest Rates in Loan Agreements
Philippine Supreme Court ruling on whether courts can reduce interest rates agreed upon by parties after the Usury Law suspension.
Interest on Penalties: The Limits of Compounding in Loan Obligations
Philippine Supreme Court clarifies when interest may be charged on unpaid penalty charges in loan contracts, and when courts may reduce unconscionable penalties.
Unconscionable Penalties in Real Estate Contracts: Balancing Equity and Contractual Obligations
When a 3% monthly penalty on unpaid installments becomes unconscionable, Philippine courts may reduce it under Civil Code Articles 1229 and 2227.
Unconscionable Interest Rates Balancing Lenders Rights AND Borrower Protection IN Mortgage Contracts
Unconscionable Quitclaims: When Employee Waivers Are Void in Philippine Labor Law
Philippine Supreme Court rules on when quitclaims and waivers signed by employees are unconscionable, void, and contrary to public policy.
Compromise Agreements and Quitclaims: When Are They Valid in Philippine Labor Law?
The Supreme Court explains when compromise agreements and quitclaims bind workers—and when courts will set them aside as unconscionable.
When Quitclaims Are Invalid: Labor Settlements and Dire Necessity in the Philippines
Philippine Supreme Court ruling on when compromise agreements and quitclaims in labor cases are unconscionable and invalid.