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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Simulated Loan Contracts and Surety Liability: Lessons from ATCI v. Asset Pool A
A Supreme Court ruling on simulated loan contracts shows when a surety agreement falls with the void principal obligation.
Surety Agreements and Solidary Liability: Lessons from a Philippine Loan Dispute
A Supreme Court ruling clarifies when sureties become liable for corporate loans and why economic crises do not excuse payment.
Revoking a Surety Agreement: Proving Timely Notice and Release from Liability
A surety who sends a timely revocation letter by registered mail can escape liability—provided the notice is properly proven and received.
Surety Agreements and Conditions Precedent: What the Supreme Court Said in RCBC v. Bernardino
The Supreme Court clarifies when surety agreements are enforceable and how conditions precedent are proven, in RCBC v. Bernardino.
Surety Liability After Foreclosure: Carodan v. China Banking Corporation
When a bank releases a principal debtor's collateral, a surety may still be liable for the deficiency if the surety agreement expressly allows it.
Surety Agreements: Solidary Liability and Waiver of Rights in Loan Obligations
Philippine Supreme Court ruling on surety liability, accommodation mortgagors, and waiver clauses in loan deficiency claims.
Surety Agreements Upholding Liability Despite Principal Debtors Released Collateral
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.
Surety Agreements in the Philippines: Understanding Liability Limits and Payment Obligations
Philippine Supreme Court clarifies surety liability caps, payment evidence, and when obligations are extinguished under Article 2054.
Substitution of Evidence: Balancing Justice and Procedural Rules in Contract Disputes
When a bank filed a collection suit with an altered surety agreement, the Supreme Court ruled on substituting evidence and amending pleadings.
Continuing Surety Agreements: When a Surety Stays Liable Despite Principal Default
Philippine Supreme Court ruling on continuing surety agreements and a surety's joint and several liability despite the principal debtor's default.
Continuing Surety Agreements: When a Surety Is Liable for Another's Loan
Philippine Supreme Court explains continuing surety agreements and when a surety becomes liable for a principal debtor's obligations.
Conjugal Partnership and Surety Agreements: When a Spouse's Guaranty Does Not Bind the Family
When a husband signs a surety agreement for a third party, the conjugal partnership is not automatically liable. Here's why.
Venue Stipulations in Promissory Notes Extend to Surety Agreements
When a promissory note fixes an exclusive venue, that stipulation binds the surety agreement supporting it, the Supreme Court rules.
Documentary Stamp Tax: When Unstamped Documents Are Still Admissible in Court
Philippine Supreme Court ruling on whether unstamped documents like letters of credit and surety agreements can be admitted as evidence in court.
Surety Agreements for Future Debts: Validity Under Philippine Law
Philippine Supreme Court ruling on suretyship for future debts, continuing guaranty, and surety liability despite principal debtor's rehabilitation.
Upholding Surety Agreements: Corporate Debts Bind Individual Guarantors
Supreme Court ruling on when corporate officers who sign surety agreements become personally liable for corporate debts.
Upholding Contractual Agreements: Trust Receipts and Surety Agreements in Loan Obligations
The Supreme Court reaffirms that contracts are the law between parties, enforcing stipulated interest, penalties, and service charges in trust receipt loan transactions.
Surety Agreements Upholding Continuous Liability Despite Credit Card Upgrades
When Is a Spouse's Debt Chargeable to the Conjugal Partnership
Supreme Court clarifies when a husband's surety agreement binds the conjugal partnership, distinguishing corporate debts from family obligations.
Corporate Liability vs Personal Guarantee: Surety Agreements in the Philippines
Philippine Supreme Court ruling on when a continuing surety agreement covers corporate debts and when it does not bind the surety.
Continuing Surety Agreements Can Validly Cover Future Debts in the Philippines
Philippine Supreme Court clarifies that continuing surety agreements validly secure future debts, even if no principal obligation exists at signing.
Surety Agreements Understanding THE Limits OF Liability IN Philippine LAW
Learn how Philippine courts interpret surety agreements, the limits of a surety's liability, and key defenses under the Civil Code.