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.
Civil Liability After Criminal Acquittal: What the Llonillo Case Means
Philippine law allows civil liability to survive a criminal acquittal. Learn the rules and the Supreme Court's ruling in Llonillo.
When Silence Isn't Golden: Novation and Debtor Substitution in Philippine Law
The Supreme Court clarifies when a creditor's silence or acceptance of payments amounts to novation and debtor substitution.
Dacion en Pago: How to Properly Extinguish Loan Obligations in the Philippines
Philippine Supreme Court explains how dacion en pago works, when loan obligations are extinguished, and the pitfalls lenders must avoid.
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.
Mortgage Sales and Interest Claims: Lessons from DBP v. Heirs of Danico
A Supreme Court ruling clarifies when buyers of mortgaged property become liable for interest and how mortgage obligations are enforced.
Storage Fee Disputes: Key Lessons From a Landmark Supreme Court Ruling
A Supreme Court ruling clarifies when storage fees are collectible and how interest applies, offering key lessons for businesses and clients.
Understanding Jurisdiction in Agrarian Reform Disputes: Insights from a Landmark Philippine Supreme Court Case
Learn how the Supreme Court clarified jurisdiction over agrarian reform disputes in Land Bank v. Heirs of Divinagracia, a key Philippine property law case.
Unconscionable Interest Rates: When 5% Monthly Loan Interest Is Void in the Philippines
Philippine courts void unconscionable loan interest rates even if borrowers agreed to them. Learn the rules, the legal interest substitute, and foreclosure effects.
Compromise Agreements Bind Courts: Enforcing Terms as Written
Philippine Supreme Court ruling on compromise agreements, judicial authority, and remedies for breach in Bernardo v. Union Bank.
Hidden Car Defects and Loan Obligations: What Buyers Should Know
Philippine Supreme Court ruling on when car buyers can rescind a sale for hidden defects and why loan obligations remain separate.
Taming Unconscionable Interest: Reassessing Loan Obligations and Attorney's Fees in Philippine Law
The Supreme Court clarifies how courts temper unconscionable loan interest rates and when attorney's fees may be awarded in foreclosure cases.
When Banks Can Refuse Payment: B.P. 22 and Bank Closure in Cu v. SB Corp.
Supreme Court ruling on B.P. 22 liability when a bank is closed by the Monetary Board and placed under PDIC receivership.
Unconscionable Penalties: Reassessing Loan Obligations in Philippine Law
The Supreme Court clarifies when courts may reduce penalty charges and attorney's fees in deficiency claims after foreclosure.
Heirs Obligations Settling Debts Before Inheritance Distribution
Philippine Supreme Court ruling on heirs' duty to settle decedent's debts before inheritance distribution, including interest rules.
Final Liquidation Court Orders Prevail Over Collection Suits: Solidbank v. CA
A final liquidation court order cannot be overturned by a trial court in a separate collection suit, explains the Supreme Court in Solidbank v. CA.
Written Stipulation Is Key: Enforceability of Loan Interest Agreements in the Philippines
Philippine Supreme Court clarifies when 12% interest applies versus 6% in construction disputes, emphasizing written stipulations.
Restitution After Judgment Modification: Fairness in Executed Judgments
When the Supreme Court reduces damages after properties have been sold at execution, how are parties made whole? The Eserjose case explains restitution rules.
Protecting Homebuyers: PD 957 Prevails Over Bank Mortgages in Subdivision Sales
Supreme Court rules banks must honor PD 957 protections for subdivision buyers, even when properties are mortgaged to secure developer loans.
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.
Premature Foreclosure: Protecting Mortgagors' Rights Before Default
Philippine Supreme Court rules that foreclosing a mortgage before the debtor defaults on the principal loan is void and ineffectual.
Burden of Proof in Loan Obligations: Notice of Loss in Chattel Mortgage Agreements
When a mortgaged vehicle is stolen, borrowers must prove they notified the bank. Learn the burden of proof rules from a Supreme Court ruling.
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 Nullified: Why Payment Agreements Don't Automatically Erase Original Loan Obligations
Philippine Supreme Court clarifies when a new payment agreement novates an old loan—and when it doesn't, in Heirs of Franco v. Gonzales.
Proving Actual Damages: The Standard for Compensation in Philippine Contract Law
Philippine Supreme Court clarifies the strict standard for proving actual damages in contract disputes, requiring clear and convincing documentary evidence.