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 a Statement of Account Is Not Enough: Proving Deficiency Claims After Foreclosure
The Supreme Court clarifies what a creditor must prove to collect a deficiency after foreclosure—and why a bare statement of account falls short.
Promissory Notes Enforceability and the Limits of Contractual Interpretation
Supreme Court clarifies that a creditor must prove the exact deficiency amount with supporting evidence, not just present a bare statement of account.
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.
Surety Agreements, Demand Requirements, and Interest on Delayed Payments: G.R. No. 280513 Explained
The Supreme Court clarifies when a demand for deficiency payment is valid, and why a statement of account must be substantiated.
The Binding Effect of Silence When Silence Implies Consent in Debt Collection
Silence can bind a debtor. This case explains when failure to object to a statement of account amounts to an admission of liability.