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.
Revival of Judgment in the Philippines: Who Are Indispensable Parties and When to File
Learn the rules on reviving a final judgment in the Philippines, including indispensable parties and the 10-year prescriptive period.
When Banks Can't Apply Loan Payments Across Different Debtors: Corporate Veil Rules
Supreme Court clarifies when a bank may apply a borrower's payment to another's debt, and why corporate separateness limits payment application.
Solidary Liability in Construction Contracts: When LWUA Shares Responsibility
A Supreme Court ruling clarifies when LWUA can be held solidarily liable with water districts for construction contract obligations.
Enforcing a Philippine Judgment: Time Limits, Property Levies, and Revival
Learn the 5-year rule for executing judgments in the Philippines, how to revive a dormant judgment, and what property a sheriff can levy.
Bank Negligence and Fiduciary Duty: PNBS Responsibility to Depositors
When banks fail depositors, liability follows. This case clarifies the fiduciary duty and negligence standards for Philippine banks.
Appeal Bond for Labor-Only Contractors: Solidary Liability and NLRC Appeals
When must a labor-only contractor post an appeal bond? The Supreme Court clarifies solidary liability and appeal perfection rules.
Solidary Liability and Interest Rates in Philippine Partnerships: Key Lessons from a Supreme Court Ruling
A look at a Supreme Court ruling on solidary liability, novation, and unconscionable interest rates in business loans and partnerships.
Bank Liability and Depositor Rights: Fiduciary Duties in the Philippines
The Supreme Court affirms that banks owe depositors extraordinary diligence, and a bank cannot escape liability for its employees' unauthorized acts.
Prescription Period for Oral Contracts: What Creditors and Debtors Must Know
The Supreme Court clarifies the six-year prescription period for oral contracts and why timely action is critical for creditors and debtors.
Rehabilitation Proceedings Balancing Contractual Obligations AND Corporate Recovery
Explore how Philippine courts balance contractual obligations with corporate rehabilitation, ensuring fair treatment for creditors and debtors.
Deed of Assignment Validity and Loan vs. Sale: Key Contract Lessons from the Supreme Court
The Supreme Court clarifies when a Deed of Assignment establishes ownership, and how courts distinguish a loan from a sale.
Valid Dation in Payment: When a Debtor's Creditor Still Has Authority to Settle
Supreme Court explains when a dation in payment is valid even if the creditor assigned its receivables to another party.
Sheriff’s Duty to Follow Execution Procedures and the Consequences of Neglect
A sheriff’s failure to follow execution rules—from expense estimates to auction notices—can mean dismissal. The Supreme Court explains why.
Corporate Dissolution Directors As Trustees and Guarantor Liability After Corporate Revocation
Explains Reyes v. Bancom: corporate revocation doesn't abate suits, directors act as trustees, and guarantors remain liable.
Valid Consignation Demands Strict Compliance With Legal Requirements
Learn when depositing rent in a bank account is not valid consignation, and what the law requires for debt payment.
Cooperative Debt Collection: Jurisdiction, Authority, and Interest Rates Explained
Learn how the Supreme Court ruled on cooperative debt collection, officer authority, and interest rate reductions in Fausto v. Multi Agri-Forest.
Surety Liability After Foreclosure: Carodan v. China Banking Corporation
When a bank releases a principal debtor's collateral, a surety may still be liable for the deficiency if the surety agreement expressly allows it.
Dacion en Pago vs. Equitable Mortgage: Lessons from Villarta v. Talavera
The Supreme Court clarifies when a property transfer is a valid dacion en pago, not an equitable mortgage, in Villarta v. Talavera.
Third Party Beneficiaries and Compromise Agreements: When Excluded Parties Cannot Claim Benefits
Philippine Supreme Court ruling on when compromise agreements benefit only named parties, not excluded third parties under stipulation pour autrui.
Influence Peddling IN THE Legal Profession Upholding Ethical Standards AND Public Trust
Understand when a lawyer's error becomes gross misconduct, and why obeying court orders is a sacred duty.
Altered Checks and Bank Liability: Who Pays the Price of Forgery
When a bank clears an altered check, who bears the loss? The Supreme Court clarifies liability rules in Areza v. Express Savings Bank.
Surety Bonds Survive Debt Extension: Key Supreme Court Ruling on Article 2079
Extension of a principal's debt without a surety's consent does not automatically extinguish surety bonds, per the Supreme Court.
When Checks Prove a Loan: The Supreme Court Ruling on Evidence of Indebtedness
The Supreme Court clarifies when checks alone establish a loan obligation and shift the burden of proof to the debtor under Philippine law.
Novation, Verification, and Real Party in Interest: Lessons from S.C. Megaworld v. Parada
Explaining when accepting third-party payments does not release the original debtor, and why procedural objections must be raised early.