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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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.
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.
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.
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 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.
Balancing ACT When Courts Weigh Conflicting Lawsuits AND Unconscionable Interest Rates
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.
Upholding Compromise Agreements: When Can a Party Avoid Their Obligations
The Supreme Court clarifies when compromise agreements bind parties, and when courts may reduce unconscionable interest rates.
Unconscionable Interest Rates: When Courts Step In to Protect Borrowers
Philippine courts can reduce excessive loan interest rates. Learn how the Supreme Court protected borrowers from unconscionable terms.
Unconscionable Interest Rates THE Supreme Courts Intervention IN Equitable Mortgages
Equitable Reduction of Interest: Protecting Borrowers from Unconscionable Loan Terms
The Supreme Court affirms courts' power to reduce unconscionable interest and penalty rates, protecting borrowers from excessive loan charges.
Unconscionable Interest Rates: Protecting Borrowers From Excessive Loan Costs
The Supreme Court affirms that monthly interest rates of 5% to 7% are unconscionable and may be reduced to 12% per annum.
Bouncing Checks and Iniquitous Interest: When a Civil Case Cannot Stop a Criminal Prosecution
Learn when a dispute over unconscionable interest rates can—and cannot—suspend criminal prosecutions for bouncing checks under BP 22.
Unconscionable Interest Rates Protecting Borrowers From Excessive Loan Charges
Philippine courts can void excessive interest rates and reset loans to the legal rate. Learn how the Espiritu v. Landrito ruling protects borrowers.
Unconscionable Interest Rates: How Philippine Courts Protect Borrowers
Philippine courts void unconscionable interest rates as against public policy. Learn the rules, jurisprudential standards, and practical protections for borrowers.
Bouncing Checks and Unconscionable Interest: BP 22 Liability in the Philippines
The Supreme Court clarifies when unconscionable loan interest affects criminal liability for bouncing checks under BP 22.
Unconscionable Interest Rates When Courts Intervene in Surety Bond Disputes
Philippine courts can reduce stipulated interest rates that balloon beyond the principal debt. Learn the rule from a 2006 surety bond case.
Unconscionable Interest Rates When Loan Agreements Become Exploitative
When do monthly interest rates become illegal? The Supreme Court explains the limits of lender freedom in Cuaton v. Salud.
Illegitimacy, Inheritance Rights, and Marital Presumptions in Philippine Law
A Supreme Court ruling on paraphernal property, contract of adhesion, and unconscionable interest rates shows how Philippine law protects borrowers and spouses.
Usury Law Suspension, Freedom to Contract, and Unconscionable Interest Rates in Loan Agreements
Philippine Supreme Court ruling on whether courts can reduce interest rates agreed upon by parties after the Usury Law suspension.