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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Upholding Integrity Disciplinary Action FOR Failure TO PAY Just Debts AND Insubordination IN THE Judiciary
Loan VS Profit Share THE Supreme Courts Stance ON Proving Debt AND Ownership IN Family Businesses
Dacion en Pago and Foreclosure: When a Debt Remains a Debt
A Supreme Court ruling clarifies that an unaccepted dacion en pago does not extinguish a debt, allowing mortgage foreclosure to proceed.
Dismissal for Dishonesty: Courts Demand Accountability in Public Funds Management
Court personnel who willfully fail to pay just debts face administrative liability, even if complainants withdraw their cases. Learn the rules.
Debt Default by a Court Employee: Upholding Ethical Conduct in the Judiciary
A Philippine Supreme Court ruling shows that a court employee's unpaid debt is not just a private matter but conduct unbecoming a public servant.
The Binding Effect of Silence When Silence Implies Consent in Debt Collection
Silence can bind a debtor. This case explains when failure to object to a statement of account amounts to an admission of liability.
Piercing the Corporate Veil: When Owners Face Personal Liability for Corporate Obligations
Philippine Supreme Court explains when courts may disregard corporate fiction and hold owners personally liable for corporate debts and obligations.
Dation in Payment: When Transferring Property Fully Settles a Debt
A bank accepted equipment as full payment of a loan, then sued for more. The Supreme Court explains when dation in payment extinguishes a debt.
Surety Bonds and Compromise Judgments: When Payment Is Not Voluntary
A surety's payment under a writ of execution on a compromise judgment is not voluntary; reimbursement from the principal debtor is required.
Surety Bonds and Reimbursement: When Payment Under Compulsion Is Still Collectible
Philippine Supreme Court ruling on when a surety can recover from the principal debtor after paying a bond under threat of execution.
Credit Card Interest and Penalties: Balancing Contractual Freedom and Unconscionability in Debt Obligations
The Supreme Court clarifies when credit card interest and penalty rates are enforceable and when courts may reduce them as unconscionable.
Foreclosure Surplus Mortgagors Right TO Excess Proceeds VS Unsecured Debts
Unjust Enrichment in Foreclosure: A Mortgagee's Duty to Return Excess Proceeds
The Supreme Court ruled that a bank must return surplus proceeds from an extrajudicial foreclosure sale and cannot unilaterally apply them to unsecured debts.
Salary Withholding: Balancing Government Interest and Employee Rights in Philippine Law
Philippine Supreme Court clarifies when the government may withhold a public employee's salary for an alleged cash shortage, and when it cannot apply it to the debt.
Piercing the Corporate Veil: Name Change vs. Corporate Identity in Insurance Claim Execution
When can a judgment be enforced against a corporation that merely shares a name with the judgment debtor? The Supreme Court clarifies the distinction between a name change and corporate identity.
Dragnet Clauses in Mortgages: When Future Debts Are Secured Beyond the Initial Loan
Philippine Supreme Court explains how dragnet clauses in real estate mortgages cover future debts, and what borrowers must pay to redeem foreclosed property.
When Property Is Conjugal: Support Debts and the Right Appeal Route
A wife's attempt to shield a titled lot from execution for her husband's child support debt fails on procedure and property law.
Debt-to-Equity Conversions and Stockholder Rights in Sequestered Corporations
The Supreme Court clarifies that ordinary courts lose jurisdiction over disputes involving sequestered corporations, which must be heard by the Sandiganbayan.
Dacion en Pago: When It Extinguishes a Loan and When It Does Not
The Supreme Court clarifies when a dacion en pago extinguishes a debt, and when a promissory note liability survives.
Willful Failure to Pay Just Debts: A Court Employee's Suspension and the Standard for Judicial Personnel
A Supreme Court employee's suspension for failing to pay a just debt shows how private conduct can affect public office and judicial integrity.
Upholding Public Trust Accountability for Dishonored Debts in Government Service
Court interpreter reprimanded for willful failure to pay just debts. Learn the ethics rules for government employees and their personal obligations.
Condonation in Foreclosure: Defining the Scope and Effect of Debt Forgiveness
The Supreme Court clarifies when condonation of a deficiency after foreclosure takes effect and its scope, with practical lessons for debtors and creditors.
Court Employees Must Pay Just Debts: Ethical Standards for Judiciary Personnel
Court employees who willfully fail to pay just debts face administrative liability, even after settling obligations. Learn from a 2007 Supreme Court ruling.
Willful Failure to Pay Just Debt: Court Employee Discipline and Public Trust
A Supreme Court ruling explains why court employees face administrative liability for unpaid debts, even after full settlement.