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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Loan Agreements and Interest Rates: Lessons from a Philippine Supreme Court Ruling
A Philippine Supreme Court ruling clarifies when banks may impose penalty charges and compound interest under loan restructuring agreements.
Loan Restructuring and Surety Obligations: Understanding Novation and Continuing Guarantees
Philippine Supreme Court clarifies when loan restructuring extinguishes a surety's obligation and the binding effect of continuing guarantees.
Loan Restructuring Qualified Acceptance and the Absence of a Binding Agreement
When a borrower's "acceptance" of a bank's restructuring offer is qualified, it becomes a counter-offer, not a binding contract.
Loan Restructuring vs Foreclosure: Borrower Rights in the Philippines
When does a pending loan restructuring stop a bank from foreclosing? The Supreme Court explains borrower rights and limits.
Novation Requires Clear Agreement: Loan Restructuring and Foreclosure Rights
Supreme Court clarifies that accepting partial payments does not automatically novate a loan, and banks may still foreclose on defaulted mortgages.
When Loan Restructuring Terms Must Be in Writing: The Marcopper Case
A Supreme Court ruling on why unwritten conditions in loan restructuring cannot be enforced, and the binding nature of written agreements.
Loan Restructuring vs Mortgage Release: When Must a Bank Return Collateral?
When a borrower restructures a loan and assigns property as partial payment, is the bank obliged to release other collateral? The Supreme Court explains.
Unlock Loan Restructuring Benefits: Why Application Is Key Under Philippine Law
Philippine Supreme Court ruling on RA 7202 shows why filing an application is essential to claim loan restructuring and condonation benefits.
Usury Law and Contractual Obligations: Striking the Balance in Loan Agreements
The Supreme Court clarifies how the Usury Law interacts with loan restructuring, refinancing, and the binding force of contracts in DBP v. CA.
Mortgage Still Valid Loan Restructuring AND Novation IN THE Philippines Reyes V BPI Family Savings Bank
When does loan restructuring cancel a real estate mortgage? The Supreme Court explains novation rules in Reyes v. BPI Family Savings Bank.
Novation Requires a Completely New and Valid Agreement: Loan Restructuring Lessons
The Supreme Court clarifies when restructuring a loan creates novation, and how usurious interest rates are treated under Philippine law.
Lawyer Suspended for Misappropriating Client Funds in Loan Restructuring Scheme
A lawyer's six-month suspension for misappropriating P60,000 in client funds and fabricating a PNB connection underscores ethical duties.
Loan Restructuring and Surety Release: Key Protections for Guarantors in Philippine Law
Philippine Supreme Court ruling on when loan restructuring releases a surety from liability, and what guarantors must know about their rights.