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.
Understanding the Prohibition Against Splitting a Cause of Action in Loan and Mortgage Cases
A Supreme Court ruling clarifies when a bank cannot file both foreclosure and collection suits for the same loan obligation.
Understanding Acceleration Clauses in Loan Agreements: A Guide to Immediate Debt Repayment
The Supreme Court explains how acceleration clauses work in loan agreements, allowing creditors to demand full payment upon default.
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.
Prescription in Mortgage Foreclosure: When the Clock Starts Ticking in the Philippines
Philippine Supreme Court clarifies that the 10-year prescriptive period for mortgage foreclosure runs from default, not from the mortgage date.
Dilatory Tactics and the Five-Year Rule: When Delaying Execution Backfires
The Supreme Court condemns a losing party's dilatory tactics that delayed execution of a final judgment for years, clarifying the five-year rule on execution by motion.
Demand NOT Always Needed When Philippine Banks CAN Foreclose Without Prior Notice
Philippine Supreme Court clarifies when banks may foreclose without prior demand, and limits on preliminary injunctions against foreclosure.
Certiorari vs Appeal: Choosing the Right Remedy in Philippine Courts
Learn when to file certiorari versus appeal in Philippine courts, based on the Supreme Court's ruling in Asian Trading Corporation v. Court of Appeals.