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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Data Privacy Act Penalties in the Philippines: Fines and Criminal Liability
Understand the Data Privacy Act penalties in the Philippines, including fines and imprisonment for unauthorized processing, breaches, and disclosure.
BSP Bank Closure Powers: What the Supreme Court Ruling Means for Depositors
The Supreme Court upheld the BSP's power to close banks without prior hearing, protecting depositors while limiting legal challenges.
When Can a Writ of Possession Be Challenged? Property Rights Explained
A recent Supreme Court ruling clarifies when buyers of condominium units or parking slots can challenge a writ of possession issued after foreclosure.
Foreclosure Suit as Sufficient Demand: Goldland Tower Ruling Explained
The Supreme Court clarifies when filing a foreclosure lawsuit itself serves as the legal demand required to put a debtor in default under Philippine law.
When Can a Bank’s Foreclosure Be Annulled? Overpayment and the Duty to Account
The Supreme Court clarifies when a bank’s foreclosure may be annulled due to overpayment or failure to render a full accounting of loan payments.
Foreclosure Prescription: When Does a Bank's Right to Foreclose Expire?
Philippine Supreme Court clarifies that extrajudicial foreclosure filings do not stop the 10-year prescription period for mortgage actions under Article 1142.
Simple Misconduct in Philippine Courts: Consequences and Employee Benefits
A judge's office closure during work hours led to simple misconduct liability and clarified rules on benefits eligibility in the judiciary.
Gym Liability in the Philippines: Negligence, Member Disclosure, and the Slimmers World Case
Who pays when a gym member suffers a medical emergency? The Supreme Court's Slimmers World ruling clarifies negligence, causation, and member responsibility.
Foreclosure Judgments Must State Amount and Payment Period: Lontoc v. Tiglao
A foreclosure judgment must specify the exact amount due and the payment period under Rule 68, Section 2, or it cannot be executed.
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.
Extrajudicial Foreclosure in the Philippines: Why a Special Power of Attorney Is Required
The Supreme Court ruled that a general foreclosure clause is not enough—mortgagees need express authority to sell property extrajudicially.
Writ of Possession, Third-Party Claims, and the Limits of Ministerial Duty in Foreclosure Cases
When a third party claims rights over foreclosed property, the writ of possession is no longer ministerial—but only if that claim is truly adverse.
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.
Procurement Rules Family Ties Dont Always Taint THE Deal
Supreme Court clarifies that disclosure-of-relations rules under procurement law apply only to competitive bidding, not to Shopping.
Bank Liable for Moral Damages Over Mortgage Redemption Insurance Non-Disclosure
When a bank offers mortgage redemption insurance, it must disclose coverage limits. Learn from Land Bank v. Miranda why non-disclosure can lead to damages.
Forged Signatures and Conjugal Property: Protecting Your Rights in Real Estate Mortgages
A foreclosure case dismissed for lack of jurisdiction teaches homeowners how to challenge defective mortgages and protect conjugal property.
Foreclosure Jurisdiction: Assessed Value of Property Determines the Proper Court
In foreclosure suits, the property's assessed value—not the loan amount—determines which court has jurisdiction. Learn from a recent Supreme Court ruling.
SALN Disclosure: Defining the Scope of Assets and the Limits of Prosecutorial Discretion
A look at Bariata v. Ombudsman, which clarifies what must be declared in a SALN and when the Ombudsman's dismissal of charges stands.
Writ of Possession: Ministerial Duty vs Third-Party Adverse Claims in Foreclosure Sales
The Supreme Court clarifies when a writ of possession is ministerial and when third-party adverse claims can stop it.
Condominium Foreclosure Special Authority Imperative FOR Extrajudicial Sales
Philippine Supreme Court clarifies that condominium corporations need special authority to extrajudicially foreclose units for unpaid dues.
Agricultural Tenancy Bars Foreclosure Writ of Possession: Land Bank v. Basilan
The Supreme Court rules that agricultural tenancy is a valid third-party claim that suspends a writ of possession over foreclosed land.
When Agrarian Reform Lands Cannot Be Foreclosed: The 10-Year Rule
A Supreme Court ruling on why a rural bank's foreclosure of an agrarian reform beneficiary's land within the 10-year retention period was void.
Agrarian Reform vs Bank Foreclosure: Protecting Farmer Beneficiaries' Land Rights
Supreme Court voids bank foreclosure of an emancipation patent awarded under agrarian reform, reinforcing the 10-year transfer ban.
Lifting of Mining Closure Orders Revives Writ of Kalikasan Petitions
Supreme Court rules that lifting DENR closure orders revives environmental claims, keeping Writ of Kalikasan petitions alive.