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.
Extinctive Novation: When a New Loan Cancels an Old Debt and Invalidates Foreclosure
Philippine Supreme Court ruling explains how extinctive novation cancels old debts and why foreclosing on extinguished obligations is premature and void.
Understanding the Prohibition Against Splitting a Cause of Action in Loan and Mortgage Cases
A Supreme Court ruling clarifies when a bank cannot file both foreclosure and collection suits for the same loan obligation.
Surety Agreements: Solidary Liability and Waiver of Rights in Loan Obligations
Philippine Supreme Court ruling on surety liability, accommodation mortgagors, and waiver clauses in loan deficiency claims.
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.
Divisibility of Contractual Obligations and Remedies for Breach in Philippine Sales Contracts
Philippine Supreme Court ruling on divisible vs. indivisible obligations in sales contracts and remedies upon breach.
Mortgage Nullification and Condominium Buyer Protection: Balancing Rights and Obligations
Supreme Court clarifies that a condominium buyer can nullify a mortgage only insofar as it affects their unit, not the entire mortgage.
Partial Redemption in Philippine Foreclosure: Can You Redeem Select Properties?
Philippine law allows partial redemption of foreclosed properties. Learn the rules, limits, and practical implications from a key Supreme Court ruling.
Probate Proceedings and Testamentary Provisions: Balancing Testator Intent with Statutory Limits
A Supreme Court ruling on enforcing a testator's 20-year non-partition directive, balancing testamentary intent against Civil Code limits on indivision.
Consummated Rape: Degree of Penetration and Victim Testimony in Philippine Law
Philippine Supreme Court ruling on rape penetration, victim testimony, and proof of qualifying circumstances for proper conviction.
Foreclosure on Multiple Properties: Mortgage Indivisibility and Writ of Possession in the Philippines
Learn how Philippine law handles foreclosure of multiple mortgaged properties in different locations and the rules on writ of possession.
Accommodation Mortgages and Redemption Rights: Limits of Debtor Liability
Philippine Supreme Court ruling on accommodation mortgagors' redemption rights and liability limits under P.D. 694 and Act 3135.