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.
Overvaluing Property When Does It Become A Crime Under Philippine Banking Laws
The Supreme Court clarifies when a bank appraiser's overvaluation of property becomes a crime under the General Banking Law, requiring proof of intent to influence the bank.
Deficiency Claims After Mortgage Foreclosure: The Prieto v. BPI Ruling
Learn how the Supreme Court's Prieto v. BPI ruling protects borrowers from unproven deficiency claims after mortgage foreclosure in the Philippines.
When a MOA Becomes a Binding Contract: Lessons from a Property Sale Dispute
A Supreme Court ruling clarifies when a Memorandum of Agreement becomes a binding contract of sale, and why parties cannot later disavow it.
Due Process and Summons: Supreme Court Ruling on Unresolved Motions for Reconsideration
The Supreme Court clarifies that ignoring a motion for reconsideration violates due process, while explaining how courts acquire jurisdiction over defendants.
When Does a Company Bonus Become a Demandable Right in the Philippines?
Learn when a company bonus becomes a demandable right under Philippine law, based on the Supreme Court's ruling in Maternal vs. Coca-Cola Bottlers.
Calculating Redemption Price in Extrajudicial Foreclosures: BPI v. LCL Capital Explained
Learn how Philippine courts compute redemption prices in bank foreclosures under the General Banking Law, based on the Supreme Court's ruling in BPI v. LCL Capital.
Navigating Labor Disputes: The Importance of Procedural Compliance in Philippine Employment Law
A look at Luces v. Coca-Cola Bottlers Phils., Inc., where the Supreme Court clarified labor-only contracting rules and the need for procedural compliance.
Abuse of Rights in Philippine Law: A Case Study on Mortgage and Property Transactions
The Supreme Court clarifies the abuse of rights principle under Article 19, showing when a bank employee's blunt remarks do not amount to bad faith.
Debtors' Burden of Proof in Loan Repayment Disputes: Insights from the Supreme Court
A debtor who claims payment must prove it. The Supreme Court clarifies the burden of proof in loan collection cases.
Garnishment and Legal Compensation in Banking: The BPI v. Central Bank Case
Learn how the Supreme Court ruled on bank liability, garnishment, and clearing house operations in BPI v. Central Bank.
Compromise Agreements Ensuring Mutuality AND Enforceability IN Debt Settlements
Philippine Supreme Court approves compromise agreement in debt settlement, highlighting mutual concessions and clear terms for enforceability.
Pre-Approved Credit Cards: Consent to Terms Must Be Proven
Banks must prove cardholders consented to credit card terms. Without proof, only legal interest applies.
Management Prerogative vs Diminution of Benefits: The Coca-Cola Saturday Work Dispute
When can a company stop Saturday work without violating the non-diminution rule? The Supreme Court clarifies in this Coca-Cola case.
Foreign Currency Deposits and Joint Accounts: When Courts Cannot Order Withdrawal
A Supreme Court ruling explains why courts cannot order release of foreign currency deposits and when co-depositor consent is required.
Upholding Client Loyalty: Ethical Boundaries in Attorney Representation Under Philippine Law
The Supreme Court suspends a lawyer for two years for representing conflicting interests, committing forum shopping, and neglecting clients.
Regular Employee Status: Distinguishing Independent Contractors From Labor-Only Contracting
Philippine Supreme Court clarifies when workers are regular employees despite agency transfers, distinguishing independent contractors from labor-only contracting.
Regular Employment and Labor-Only Contracting: Lingat v. Coca-Cola Bottlers
Supreme Court clarifies when agency-hired workers are regular employees of the principal employer, and the limits of labor contracting.
Prescription in Tax Assessment: Taxpayers' Right to a Timely Assessment
When does the BIR lose its right to assess taxes? The Supreme Court clarifies prescription rules and valid waivers in CIR v. BPI.
Unregistered Real Estate Mortgages: Valid Between Parties Despite Formal Defects
Philippine Supreme Court clarifies that defective notarization or registration of a real estate mortgage does not invalidate it between the parties.
Bank's Failure to Release Loan Funds Nullifies Foreclosure of Mortgage
Philippine Supreme Court rules a bank's breach of a credit agreement bars foreclosure, explaining borrower's reciprocal obligation to pay only arises after full release of loan proceeds.
Administrative Due Process and Bank Secrecy: The Sibayan v. Alda Ruling
The Supreme Court clarifies how administrative due process and bank secrecy limits discovery in BSP proceedings, as shown in Sibayan v. Alda.
Lawyer Suspended for Calling Opposing Party a Swindler: Ethics Lessons from Buenviaje v. Magdamo
A lawyer's three-month suspension for malicious name-calling in a notice to a bank underscores the ethical limits of client zeal.
Credit Card Debt: Unconscionable Interest Rates and the Duty to Respond
The Supreme Court clarifies when credit card interest rates are unconscionable and why borrowers must answer lawsuits on time.
Insubordination in the Workplace: Defining the Scope of Employee Duties and Employer Authority
The Supreme Court clarifies when an employee's refusal to follow orders is insubordination and when it is a justified defense against dismissal.