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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Guarantee vs Suretyship: How Waiving Excussion Changes Liability
The Supreme Court clarifies when a "guarantee" becomes a suretyship, and why a rehabilitation stay order does not protect a surety.
Orix v. Cardline: Final Judgments, Execution, and the Limits of Prohibition
Final judgments must be executed as written. The Court clarifies when prohibition may challenge execution and the rules on sureties and excussion.
Guarantor's Defense of Excussion: What the Supreme Court Requires
Explaining the benefit of excussion for guarantors under Philippine law, based on the Supreme Court's ruling in Bitanga v. Pyramid Construction.
When a Guarantor Pays: Why Principal Debtors Cannot Invoke the Guarantor's Defenses
A guarantor who pays the creditor may seek reimbursement from the principal debtor, who cannot raise the guarantor's own defenses like excussion.