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.
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.
Credit Card Debt in the Philippines: Interest Rates, Obligations, and the Uysipuo Ruling
The Supreme Court clarifies how credit card interest rates are computed and when courts can reduce unconscionable charges.
Corporate Rehabilitation Stay Orders: What They Mean for Property Claims
The Supreme Court explains how a stay order in corporate rehabilitation suspends all claims, including demands for specific performance of property sales.
Credit Card Debt Collection: Proving the Basis of Claims in Philippine Courts
Philippine Supreme Court ruling on credit card collection cases: creditors must prove the basis of claims, not just submit a statement of account.
Unconscionable Interest: The Limits of Contractual Freedom in Philippine Loans
Philippine courts can strike down unconscionable interest rates in loan agreements. Learn the rules on excessive interest and how borrowers are protected.
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.
Continuing Suretyship in the Philippines: Liability for Future Debts Explained
Learn how the Supreme Court upheld a surety's liability for future debts under a Continuing Suretyship, and when courts may reduce attorney's fees.
Credit Card Obligations Without Signed Agreements: When Interest Rates Bind
Supreme Court rules on credit card debt when no signed agreement exists, and when interest charges may be unenforceable.
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.
Perfecting Your Appeal Understanding Jurisdictional Requirements IN Philippine Courts
A look at how the Supreme Court treats compromise agreements after a petition is denied, and what this means for litigants in the Philippines.
Protecting Your Property Investments Understanding Grace Periods AND Cancellation IN Philippine Real Estate Co
Learn how Philippine law protects real estate buyers on installment, including grace periods, cancellation rules, and cash surrender value rights under RA 6552.
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.
Unconscionable Interest Rates When Courts Intervene in Surety Bond Disputes
Philippine courts can reduce stipulated interest rates that balloon beyond the principal debt. Learn the rule from a 2006 surety bond case.
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.
Personal Liability in Corporate Obligations When Signing Blurs the Line
When do corporate officers become personally liable for company debts? A Supreme Court ruling on trust receipts and letters of credit provides clear guidance.
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.