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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Foreclosure Publication Rule: Why Missing the Notice Voids the Sale
Failure to publish a foreclosure notice under Act No. 3135 is a jurisdictional defect that invalidates the sale, as Baclig v. Rural Bank of Cabugao shows.
Foreclosure Rights Understanding Redemption Periods AND Legal Remedies IN Mortgage Disputes
Philippine Supreme Court clarifies when Act No. 3135 applies in mortgage foreclosures and why borrowers must act within the redemption period.
Due Process in Foreclosure: Banks Must Personally Notify Mortgagors
The Supreme Court now requires banks to personally notify mortgagors before extrajudicial foreclosure, reversing decades of precedent under Act No. 3135.
Foreclosure Voided: Strict Compliance With Publication Requirements
Supreme Court voids foreclosure sale for lack of republication and reposting of rescheduled sale notice, affirming mandatory rules under Act No. 3135.
When Property Appraisal Cannot Delay Foreclosure: Sycamore Ventures v. Metrobank
Supreme Court rules mortgaged property appraisal value is not a prejudicial question that can suspend extrajudicial foreclosure proceedings under Act No. 3135.
Foreclosure Sales in the Philippines: The Legal Weight of Notice and Publication
A Supreme Court ruling clarifies the requirements for notice and publication in extrajudicial foreclosure sales under Act No. 3135.
Foreclosure Validity: Proper Notice and Publication in Extrajudicial Sales
Philippine Supreme Court clarifies posting and publication requirements for valid extrajudicial foreclosure sales under Act No. 3135.
Waiver of Publication in Foreclosure Sales: Protecting Public Interest Over Private Agreements
Philippine Supreme Court rules parties cannot waive publication requirements in extrajudicial foreclosure sales under Act No. 3135.
How to Contest a Foreclosure Sale in the Philippines: A Guide from GSIS v. Court of Appeals
Learn how to contest a foreclosure sale in the Philippines, including the remedy under Act No. 3135, based on the Supreme Court's ruling in GSIS v. Court of Appeals.