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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Corporate Authority vs Surety: When Board Resolutions and Personal Guarantees Collide
Philippine Supreme Court ruling on corporate authority, board resolutions, and surety liability in a discounting transaction.
Upholding Surety Agreements: Corporate Debts Bind Individual Guarantors
Supreme Court ruling on when corporate officers who sign surety agreements become personally liable for corporate debts.
Surety Liability Survives Loan Extensions Under Continuing Guaranty
Philippine Supreme Court ruling on whether loan extensions without a surety's consent extinguish liability under a continuing guaranty.
Continuing Suretyship for Future Debts and Assignment Without Debtor's Consent
Philippine Supreme Court ruling on continuing suretyship agreements, validity of assignments without debtor consent, and trust receipt remedies.
Upholding Contractual Obligations: The Imperative of Timely Performance in Compromise Agreements
A Supreme Court ruling on continuing suretyship, assignment of credit, and trust receipts—clarifying that debtors cannot escape liability through technical defenses.
Upholding Contractual Agreements: Trust Receipts and Surety Agreements in Loan Obligations
The Supreme Court reaffirms that contracts are the law between parties, enforcing stipulated interest, penalties, and service charges in trust receipt loan transactions.
Surety's Solidary Liability: The True Extent of Guarantees in Philippine Law
Philippine Supreme Court clarifies when a "guarantee" becomes a suretyship, making the surety solidarily liable with the principal debtor.
Surety Agreements Upholding Continuous Liability Despite Credit Card Upgrades
Surety's Continuing Liability: Upholding Obligations Despite Credit Card Upgrades
A Philippine Supreme Court ruling explains why a surety stays liable for a credit cardholder's debts even after the card is upgraded to a higher credit limit.
Surety Bond Liability Limits Under Philippine Insurance Law: The R & B Surety Case
Philippine Supreme Court clarifies surety bond liability caps under Insurance Code Section 176, limiting exposure to face value plus legal interest.
Novation and Suretyship: Understanding Debt Substitution in Philippine Law
Philippine Supreme Court clarifies when debt substitution is novation versus suretyship, and why accommodation parties remain liable.
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.
Surety Bonds and Customs Liabilities in the Philippines: Understanding Importer Obligations
Philippine Supreme Court ruling on surety bonds, customs duties, and importer liability when re-export obligations are breached.
Solidary Liability in Overseas Employment: How Surety Bonds Protect Filipino Workers
Learn how surety bonds make recruitment agencies and their sureties solidarily liable for overseas workers' monetary claims.
Surety vs. Guaranty in Philippine Law: Key Differences and Liability
Learn the difference between surety and guaranty under Philippine law, and why contract wording—not titles—determines your liability.
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.
When Is a Spouse's Debt Chargeable to the Conjugal Partnership
Supreme Court clarifies when a husband's surety agreement binds the conjugal partnership, distinguishing corporate debts from family obligations.
Surety Bonds AND Agent Authority Protecting Yourself From Insurance Claim Denials
Corporate Liability vs Personal Guarantee: Surety Agreements in the Philippines
Philippine Supreme Court ruling on when a continuing surety agreement covers corporate debts and when it does not bind the surety.
Perfecting Labor Appeals: Can a Real Estate Bond Substitute for Cash or Surety?
Philippine Supreme Court ruling on whether a real estate bond can perfect an employer's appeal to the NLRC under Article 223 of the Labor Code.
Continuing Surety Agreements Can Validly Cover Future Debts in the Philippines
Philippine Supreme Court clarifies that continuing surety agreements validly secure future debts, even if no principal obligation exists at signing.
Surety Agreements Understanding THE Limits OF Liability IN Philippine LAW
Learn how Philippine courts interpret surety agreements, the limits of a surety's liability, and key defenses under the Civil Code.
Perfecting Appeals: The Importance of Surety Bonds in Philippine Labor Cases
Learn why posting a surety bond on time is mandatory and jurisdictional in appeals from POEA decisions to the NLRC.