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.
Foreclosure Prescription: When Does a Bank's Right to Foreclose Expire?
Philippine Supreme Court clarifies that extrajudicial foreclosure filings do not stop the 10-year prescription period for mortgage actions under Article 1142.
Protecting Installment Buyers Understanding Rescission Rights Under THE Maceda LAW
The Supreme Court clarifies the strict notarial and grace period requirements for canceling installment contracts under the Maceda Law.
Preliminary Attachment in the Philippines: Safeguarding Claims Without Overreach
The Supreme Court clarifies when preliminary attachment is proper, stressing strict compliance with Rule 57 to prevent abuse.
GSIS Loan Penalties: When Are They Unconscionable?
The Supreme Court ruled that compounded GSIS loan penalties can be unconscionable and subject to reduction. Learn the rules.
Solidary Liability and Interest Rates in Philippine Partnerships: Key Lessons from a Supreme Court Ruling
A look at a Supreme Court ruling on solidary liability, novation, and unconscionable interest rates in business loans and partnerships.
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.
Lessee Reimbursement for Improvements: The Bermon Marketing Case
Learn when lessees can claim reimbursement for improvements under Article 1678 and how contract terms can waive that right.
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.
Attorney-Client Trust: Lessons from a Philippine Supreme Court Ruling on Lawyer Misconduct
A Philippine Supreme Court ruling on lawyer misconduct clarifies candor duties, attorney's fees, and the penalties for unethical conduct.
Laches in Philippine Law: How Delay Can Bar Your Legal Claims
Learn how the doctrine of laches can bar legal claims in the Philippines, even before the prescriptive period expires, through the Supreme Court's ruling in Ang v. Abaldonado.
Unconscionable Interest Rates: When 5% Monthly Loan Interest Is Void in the Philippines
Philippine courts void unconscionable loan interest rates even if borrowers agreed to them. Learn the rules, the legal interest substitute, and foreclosure effects.
Ante-Nuptial Agreements and Property Waivers: The Delgado v. GQ Realty Case
The Supreme Court's ruling in Delgado v. GQ Realty clarifies how ante-nuptial agreements can waive property rights, even for assets registered under a spouse's family corporation.
Finality of Settlement Agreements Barring Future Claims Despite Quasi-Delict Allegations in Seafarer Death Cas
SC rules valid settlement agreements bar seafarers' heirs from filing quasi-delict claims after accepting death benefits.
Taming Unconscionable Interest: Reassessing Loan Obligations and Attorney's Fees in Philippine Law
The Supreme Court clarifies how courts temper unconscionable loan interest rates and when attorney's fees may be awarded in foreclosure cases.
Venue Stipulations in Contracts: When "Exclusive" Means Exclusive in Philippine Courts
Philippine Supreme Court clarifies when contractual venue stipulations are binding and enforceable, and when courts must dismiss cases filed elsewhere.
When Business Closure Is Valid: Employer Prerogative vs. Employee Security
The Supreme Court explains when a company may validly close operations and terminate employees, and how workers can challenge the closure.
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.
Cooperative Debt Collection: Jurisdiction, Authority, and Interest Rates Explained
Learn how the Supreme Court ruled on cooperative debt collection, officer authority, and interest rate reductions in Fausto v. Multi Agri-Forest.
Upholding Candor and Fairness: Attorney Suspended for Unconscionable Fees and Deceitful Conduct
A lawyer who deceived elderly clients into signing an unfair fee agreement was suspended for five years. Learn the ethical rules on attorney's fees.
Attorney’s Fees and Ethical Conduct: Candor and Fairness in Lawyer-Client Relationships
The Supreme Court suspended a lawyer for five years for deceitful fee agreements and unfair dealings with elderly clients, reaffirming ethical duties.
Breach of Contract and Surety Bonds: When Extensions Don't Discharge a Surety
A contractor's failure to complete works on time triggers liability for breach and its surety's bond, even when extensions are granted.
Pactum Commissorium: When Mortgage Agreements Unfairly Benefit Lenders
Philippine Supreme Court ruling on mortgage validity, unconscionable interest rates, and when borrowers cannot escape contractual obligations.
Decoding Loan Payments: How Courts Apply Payments to Interest vs Principal in Philippine Law
Philippine Supreme Court clarifies how loan payments are applied to interest before principal, and when chattel mortgages cover future loans.
Redemption Rights Clarifying Repurchase Price After Foreclosure Of Public Land
Supreme Court clarifies the repurchase price for foreclosed free patent land under Section 119 of the Public Land Act.