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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Assignment Deeds and Third-Party Liability: When a Conforme Signature Does Not Bind
A developer's conforme signature on a deed of assignment does not make it liable for the assignor's loan obligations.
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 Civil Liability in Criminal Cases When Estafa Acquittals Impact Loan Obligations
When an estafa accused is acquitted, can the victim still collect the loan? The Supreme Court explains civil liability ex delicto versus ex contractu.
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.
Reducing Unconscionable Penalties: The Supreme Court’s Stance on Fair Loan Obligations
The Supreme Court clarifies when penalty charges in loan contracts are unconscionable and may be reduced, balancing creditor rights with debtor protection.
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.
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.
Breach of Contract vs Loan Obligations: Independent Liabilities in Philippine Law
Philippine Supreme Court clarifies that a debtor's separate contract breach does not extinguish loan obligations to a creditor.
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.
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.
Trust Receipts vs Loans: Distinguishing Obligations in Philippine Law
Philippine Supreme Court clarifies the distinction between trust receipts and loan obligations, and the legal consequences for banks and borrowers.
Foreclosure Invalidity Upholding Debtors Rights IN Loan Obligations
Dbps Liability Balancing Loan Obligations AND Fiduciary Duties IN Hotel Project Financing
Piercing the Corporate Veil: When a Corporation Cannot Escape Its Loan Obligations
The Supreme Court explains when courts may disregard corporate fiction to hold a corporation liable for loans received by its affiliates and alter egos.
Fortuitous Events and Loan Obligations: DBP vs. Spouses Calina
A typhoon destroyed a financed fishing boat, but the borrowers still had to repay their loan. The Supreme Court explains why.
Promissory Notes and Specific Denial: Upholding Loan Obligations in Philippine Law
Learn how the Supreme Court ruled on promissory notes, specific denial requirements, and the best evidence rule in loan recovery cases.
Corporate Identity and Loan Obligations: Name Change Does Not Excuse Debt Payment
Philippine Supreme Court ruling on whether a corporate name change or bank identity affects loan obligations and surety liability.
Loan Obligations When Imported Goods Are Defective: Rosario Textile Mills v. Home Bankers
The Supreme Court ruled that a borrower must still pay its loan even if imported goods are defective, and a surety remains liable under a valid agreement.
Burden of Proof in Loan Obligations: Debtor Must Prove Payment Despite Creditor's Claim of Non-Payment
Philippine Supreme Court ruling on who bears the burden of proving payment in loan and mortgage obligations, and when contract rescission is proper.
Usury Law and Loan Obligations: Balancing Lender Rights and Borrower Protection
Philippine Supreme Court ruling on 21% interest validity, 3% monthly surcharge nullity, and borrower obligations under the Usury Law.
When a Final Judgment Still Needs Computation: Jaban v. Court of Appeals on Loan Obligations
A final judgment is not always the last word on the amount owed. Jaban v. Court of Appeals explains when courts may clarify, not amend, a decision.
Upholding Contractual Agreements: Trust Receipts and Surety Agreements in Loan Obligations
The Supreme Court reaffirms that contracts are the law between parties, enforcing stipulated interest, penalties, and service charges in trust receipt loan transactions.
Interest on Penalties: The Limits of Compounding in Loan Obligations
Philippine Supreme Court clarifies when interest may be charged on unpaid penalty charges in loan contracts, and when courts may reduce unconscionable penalties.