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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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.
Defective Summons and Due Process in Property Disputes: Key Lessons from Spouses Abayon v. BPI
The Supreme Court clarifies when defective summons is cured by voluntary appearance and when courts violate due process in property disputes.
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.
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.
When Bank Fraud Is Not the Bank's Fault: BPI v. Central Bank and the Limits of Employer Liability
The Supreme Court explains when a government bank is liable for employee fraud, and the limits of employer liability under Article 2180.
Understanding Tax Assessment and Collection Prescription: The BPI Case
The Supreme Court's BPI ruling explains when the BIR loses the right to assess and collect deficiency taxes—key lessons for taxpayers.
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.
Acknowledgment of Debt and the Best Evidence Rule: BPI v. Mendoza
The Supreme Court clarifies when a photocopy of a document may be admitted as evidence, and how a debtor's own acts can prove an obligation.
Bank Liability for Unauthorized Joint Account Termination: BPI v. Fernandez
Supreme Court holds banks liable for releasing joint AND/OR account funds without required certificates, citing bad faith and breach of fiduciary duty.
Consequential Damages in Partial Expropriation: What Property Owners Should Know
Learn when Philippine courts award consequential damages for buildings not actually taken in partial expropriation, citing Republic v. BPI.
Outsourcing and Union Rights: Balancing Business Prerogative with Collective Bargaining Agreements
The Supreme Court clarifies when banks may outsource functions without violating union rights or the CBA in BPI Employees Union v. BPI.
When Bank Officers Face Dismissal for Breach of Trust: The Cruz v. BPI Case
A bank assistant manager's dismissal for approving fraudulent dollar transactions is upheld by the Supreme Court as valid breach of trust.
Loan Default and Foreclosure: When Preliminary Injunction Is Not Available
Philippine Supreme Court clarifies that a borrower in default cannot enjoin foreclosure without a clear legal right, citing TML Gasket v. BPI.
Lost Your Appeal? Timelines and Procedures in Philippine Corporate Rehabilitation Cases
Learn the strict appeal rules in corporate rehabilitation cases from BPI Family Savings Bank v. Pryce Gases, including the record on appeal requirement.
Redemption Rights and Capital Gains Tax in Foreclosure Sales: Key Lessons from Supreme Transliner v. BPI Famil
Philippine Supreme Court clarifies redemption price in bank foreclosure sales, including when capital gains tax applies and what charges are valid.
Cross-Default Clauses and Preliminary Injunctions: Lessons from Lim v. BPI Agribank
When can a borrower stop a bank from foreclosing? The Supreme Court explains the "right in esse" requirement for injunctions.
Foreclosure Notice Requirements: BPI v. Puzon on Posting, Publication, and Presumption of Regularity
Supreme Court clarifies notice requirements in extrajudicial foreclosure, upholding sale where publication was made and presumption of regularity applied.
Supreme Court Cuts Credit Card Interest to 2% Monthly as Unconscionable
The Supreme Court reduced BPI's 3% monthly credit card interest and penalty to 2%, citing unconscionable rates.
When May a Court Excuse a Late Pre-Trial Brief? BPI v. Dando
The Supreme Court relaxed a mandatory procedural rule to let a bank pursue its collection suit, showing when courts may excuse a late pre-trial brief.
BPI v. Reyes: Physical Evidence Prevails in Bank Deposit Dispute
Supreme Court explains preponderance of evidence in bank deposit disputes, ruling physical evidence outweighs bare testimony.
Interest Rate Dynamics Determining Proper Compensation In Contractual Rescission
Learn how Philippine courts determine interest rates and compensation when contracts are rescinded, using the BPI-Family Savings Bank case as a guide.
Mortgage Still Valid Loan Restructuring AND Novation IN THE Philippines Reyes V BPI Family Savings Bank
When does loan restructuring cancel a real estate mortgage? The Supreme Court explains novation rules in Reyes v. BPI Family Savings Bank.
Tax Collection Deadlines: Prescription in Philippine Tax Law Explained
Learn how the BPI v. CIR case clarifies the three-year prescription period for tax collection and when it may be suspended.
Just Compensation in Expropriation: BPI v. National Power Corporation
Philippine Supreme Court clarifies how courts determine just compensation in eminent domain cases, emphasizing evidence-based valuation over speculative market data.