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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When Banks Can't Apply Loan Payments Across Different Debtors: Corporate Veil Rules
Supreme Court clarifies when a bank may apply a borrower's payment to another's debt, and why corporate separateness limits payment application.
When Can a Bank Apply Your Payment to Another Debt? Supreme Court Rules
Philippine Supreme Court clarifies when banks may apply loan payments to other debts, protecting borrowers from unfair payment application.
Solidary Liability in Real Estate Contracts: Understanding Co-Sellers' Obligations
When do co-sellers remain liable after foreclosure? The Supreme Court clarifies deficiency obligations, payment application, and solidary liability.
Loan or Partnership: Supreme Court on Novation and Acknowledgment Receipts
When does a loan become a partnership contribution? The Supreme Court clarifies novation, acknowledgment receipts, and payment application rules.
Payment Application and Tenant Rights: Paculdo v. Regalado on Wrongful Ejectment
Learn how the Supreme Court protected a tenant from wrongful ejectment when a landlord misapplied rental payments to other debts.