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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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.
Interest on Overdue Accounts: Clarifying the Scope of Legal Interest and Unconscionability in Sales of Goods
The Supreme Court clarifies when legal interest applies to stipulated interest and how courts determine unconscionable rates in sales transactions.
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.
Unconscionable Interest Rates and Jurisdictional Amount in Loan Agreements
When does accrued interest count toward the jurisdictional amount? The Supreme Court clarifies in Domasian v. Demdam.
Navigating Unconscionable Interest Rates in Loan Agreements: A Guide for Borrowers
The Supreme Court affirms that courts may reduce unconscionable interest rates that violate the mutuality of contracts principle.
When Is a Loan Interest Rate Unconscionable in the Philippines?
The Supreme Court explains when a monthly interest rate on a loan becomes unconscionable and void, and what rate applies instead.
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.
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.
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.
When Attorney's Fees Are Reasonable: The Duty to Avoid Unconscionable Agreements
Philippine Supreme Court clarifies when attorney's fees stipulations are valid, and why courts must strike down unconscionable ones.
Credit Card Debt: Unconscionable Interest Rates and the Duty to Respond
The Supreme Court clarifies when credit card interest rates are unconscionable and why borrowers must answer lawsuits on time.
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.
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.
Reducing Unconscionable Penalties: The Supreme Court’s Stance on Fair Loan Obligations
The Supreme Court clarifies when penalty charges in loan contracts are unconscionable and may be reduced, balancing creditor rights with debtor protection.
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.
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.
Unconscionable Compromises Protecting Employees From Unfair Labor Settlements
Learn how Philippine courts protect employees from unfair labor settlements, illegal strike dismissals, and double compensation risks in this ruling.
Default Demand and Interest: Understanding Promissory Note Obligations in the Philippines
A Supreme Court ruling clarifies when a debtor is in default, how interest is computed, and what makes stipulated rates unconscionable.
Unconscionable Interest Rates When Courts Intervene To Protect Borrowers
The Supreme Court reduced 60% annual charges in a lease dispute to 12% interest plus 6% penalty, citing Article 1229.
Attorneys Fees and Ethical Boundaries: When Interest Stipulations Fail in Philippine Loan Contracts
Philippine Supreme Court ruling on written interest stipulations, unconscionable rates, and borrower protections under Civil Code Article 1956.
Usurious Interest and Foreclosure: When Unconscionable Loan Terms Void a Foreclosure Sale
A Supreme Court ruling on how excessive interest rates can invalidate a foreclosure sale, and what borrowers and lenders must know.
Balancing ACT When Courts Weigh Conflicting Lawsuits AND Unconscionable Interest Rates
BSP Authority to Set Interest Rates and Protect Borrowers After Usury Law Suspension
The Supreme Court confirms the BSP's authority over interest rates, explains the Usury Law suspension, and protects borrowers from unconscionable charges.
Unconscionable Interest Rates in the Philippines: When Courts Can Intervene
When can courts strike down excessive interest rates? Learn from Toledo v. Hyden, a Philippine Supreme Court ruling on unconscionable interest.