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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Foreclosure Rights Understanding Redemption Periods AND Legal Remedies IN Mortgage Disputes
Philippine Supreme Court clarifies when Act No. 3135 applies in mortgage foreclosures and why borrowers must act within the redemption period.
Written Notice Is Mandatory in Legal Redemption: Rama v. Spouses Nogra
Supreme Court affirms that co-owners must receive written notice of a sale before the 30-day redemption period can begin to run.
Equitable Mortgage vs Sale With Right to Repurchase: Redemption Rights and Prescription
Philippine Supreme Court clarifies when redemption periods apply in equitable mortgages versus sales with pacto de retro.
Foreclosure Sales and Repurchase Rights: Understanding Bank Discretion in Asset Disposition
Philippine Supreme Court clarifies that after the redemption period expires, former owners have no enforceable right to repurchase foreclosed property from the bank.
Filing an Annulment Case Does Not Stop the Redemption Period in Foreclosure Sales
Philippine Supreme Court clarifies that filing an annulment case does not toll the one-year redemption period in extrajudicial foreclosure sales.
Assignees of Bank Mortgagee Entitled to Shorter Redemption Period Under General Banking Law
Supreme Court rules assignees of a bank mortgagee benefit from the shorter three-month redemption period under the General Banking Law.
Redemption Rights and Time Limits: When the Clock Stops Ticking in Foreclosures
Understand when a foreclosure buyer gets possession, how redemption periods work, and why a donation mortis causa needs probate.
Redemption Rights and Bank Foreclosures: What GE Money Bank v. Spouses Dizon Teaches Us
Partial payments during the redemption period do not perfect a mortgagor's right to redeem foreclosed property, unless the bank's conduct clearly induces reliance.
Redemption of Foreclosed Property: Full Payment Within Period Is Required
Partial payments during the redemption period do not constitute valid redemption; full tender of the redemption price is required.
Expiration of Redemption Rights: Upholding Property Rights After Failure to Redeem
Philippine Supreme Court ruling on redemption period expiration, property rights, and consequences of failing to redeem within statutory period.
Estoppel and Foreclosure: When a Bank's "Incentive" Is Not a Redemption Extension
The Supreme Court clarifies when a bank's incentive scheme letter extends the redemption period and when estoppel applies.
Redemption Rights Upheld: SSS Bound by Repurchase Agreement Despite Procedural Lapses
Supreme Court rules SSS must honor deed of conditional sale for foreclosed property, despite expired redemption period and internal procedural lapses.
Redemption Rights in Tax Sales: When the One-Year Period Starts in Quezon City
The Supreme Court clarifies when the one-year redemption period starts for tax-delinquent properties sold at auction in Quezon City.
Foreclosure Redemption Rights Under the Rural Banks Act and Property Law
The Supreme Court clarifies redemption periods for rural bank foreclosures under RA 720, emphasizing borrower disclosure duties and laches.
Tenant's Right of Redemption: Written Notice Is Mandatory in Agrarian Reform Cases
Philippine Supreme Court rules written notice to tenant and DAR is mandatory before redemption period can run under agrarian reform law.
Redemption Rights: Why Written Notice From the Vendor Matters in Co-Ownership Sales
Philippine Supreme Court clarifies that the 30-day legal redemption period only starts upon written notice from the vendor, not from court decisions.
Mortgage Validity and Foreclosure: Protecting Property Rights Under Philippine Law
The Supreme Court clarifies when a mortgage is void, how redemption periods work, and why prior judgments bind parties in foreclosure disputes.
Filing an Annulment Suit Does Not Extend the Redemption Period in Foreclosure
Philippine Supreme Court ruling clarifies that filing an annulment suit does not stop the redemption period in extrajudicial foreclosure.
Motion Denied: Strict Enforcement of Notice Requirements in Lifting Property Levies
Philippine Supreme Court ruling on quieting title, property levies, and the strict enforcement of redemption periods after execution sales.
Quieting of Title After the Redemption Period: What Calacala v. Republic Teaches Property Owners
The Supreme Court in Calacala v. Republic ruled that failure to redeem within one year vests ownership in the auction buyer, defeating a later quieting of title suit.
Redemption Rights Strict Compliance AND THE Limits OF Repurchase Agreements After Foreclosure
Philippine Supreme Court ruling on strict compliance with statutory redemption periods and limits of repurchase agreements after foreclosure.
Writ of Possession Not Barred by Pending Annulment of Foreclosure Case
A pending annulment of foreclosure case does not stop a bank from getting a writ of possession after the redemption period lapses.
Protecting Property Rights: The Absolute Right to Possess Foreclosed Property After Redemption Period
Philippine Supreme Court ruling on property rights, redemption, and the right to possess foreclosed property after the redemption period.
Redemption Rights: Upholding Mortgagor's Five-Year Redemption Agreement
Supreme Court affirms five-year redemption period for mortgagor, voiding subsequent sales that cut short the agreed term.