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.
Extrajudicial Foreclosure in the Philippines: Why a Special Power of Attorney Is Required
The Supreme Court ruled that a general foreclosure clause is not enough—mortgagees need express authority to sell property extrajudicially.
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.
Supreme Court Voids 'Right to Top' Clause in Government Asset Sale: Osmeña v. PSALM
The Supreme Court invalidated a 'right to top' provision in a government land lease, reaffirming that competitive public bidding protects public interest.
Levy on Mortgaged Property in the Philippines: Sheriff's Duties Explained
Philippine Supreme Court clarifies that sheriffs may levy mortgaged properties to satisfy judgments, as debtors retain beneficial ownership until foreclosure.
Mortgage Foreclosure After Death of a Debtor: Creditor Options in the Philippines
When a mortgagor dies, creditors have three legal options. Learn how extrajudicial foreclosure works under Philippine law.