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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Unmasking Corruption: Statute of Limitations and the Discovery Rule in Graft Cases
When does the 15-year prescription period for graft cases begin? The Supreme Court explains the discovery rule for behest loans.
Timeliness and Probable Cause: When Delayed Behest Loan Cases Are Dismissed
The Supreme Court explains when the Ombudsman may dismiss behest loan complaints for lack of probable cause despite long delays.
When Corporate Veil Claims Fail: Lessons from the Behest Loan Case
The Supreme Court explains when the Ombudsman may dismiss fraud complaints against corporate officers and why evidence of conspiracy matters.
Accommodation Mortgagor's Right to Redeem at Bid Price: Belo v. PNB
The Supreme Court clarifies that an accommodation mortgagor may redeem foreclosed property by paying only the bid price, not the entire loan.
Bouncing Checks Under B.P. 22: When a Check Used as Loan Security Still Leads to Criminal Liability
The Supreme Court clarifies that issuing a bouncing check is a crime under B.P. 22, even if the check was only security for a loan.
Pactum Commissorium: Why Automatic Property Grab in Loan Agreements Is Illegal in the Philippines
Philippine law bans pactum commissorium—automatic property forfeiture in loans. Learn the rule, the Marino v. Salcedo case, and your rights.
Equitable Reduction of Excessive Interests: Balancing Contractual Obligations and Fairness in Loan Agreements
Philippine Supreme Court ruling on reducing excessive interest rates in loan agreements, balancing contractual freedom with equity and fairness.
Promissory Notes vs Loan Agreements: Legitimacy in Philippine Investment Transactions
Philippine Supreme Court clarifies when loan documents are legitimate investments, using a disbarment case to explain forgery, consent, and moral character.
Deed of Sale or Loan Understanding: Equitable Mortgage in Philippine Property Law
When is a deed of sale really an equitable mortgage? The Supreme Court clarifies the rules on when courts will presume a loan arrangement.
Loan Restructuring and Surety Release: Key Protections for Guarantors in Philippine Law
Philippine Supreme Court ruling on when loan restructuring releases a surety from liability, and what guarantors must know about their rights.
Unmasking Trust Receipts When a Loan Is Not What It Seems in Philippine Law
When is a trust receipt really just a loan? The Supreme Court clarifies in Colinares v. Court of Appeals.
Loan or Trust: Resolving Estafa Charges in Investment Disputes
When does a failed investment become estafa? The Supreme Court clarifies the line between a simple loan and a criminal trust agreement.
Attorney Suspended Six Months for Deceitful Loan Practices with Client
A lawyer who facilitated a fraudulent loan for his clients was suspended for six months. Learn the ethical rules and lessons from this Philippine Supreme Court case.
When a Bouncing Check Isn't Estafa: Checks as Loan Security in the Philippines
Philippine Supreme Court ruling on when postdated checks given as loan security, not payment, cannot result in estafa conviction.
Prescription of Behest Loan Cases: When Does the Clock Start for Graft Charges?
Supreme Court ruling on when prescription begins for behest loan graft cases under RA 3019, and why the discovery rule matters.
Prescription Periods for Behest Loans: When Does the Clock Start Ticking?
When does prescription begin for behest loan offenses? The Supreme Court clarifies the discovery rule under Act No. 3326.
Prescription of Behest Loan Cases: When Does the Clock Start for Anti-Graft Charges?
The Supreme Court clarifies when prescription begins for behest loan cases under RA 3019, emphasizing discovery over commission.
Protecting Your Loan Understanding Good Faith Mortgagees In Philippine Property Law
A Philippine Supreme Court ruling explains when a mortgagee is protected as a good faith lender, even if the mortgagor's title is later challenged.
Equitable Mortgage vs. Pacto de Retro Sale: When a "Sale" Is Really a Loan
Philippine courts look beyond contract labels. Learn how Articles 1602 and 1603 protect borrowers from disguised loans and unfair foreclosure.
Legal Interest Rates in the Philippines: When Does 6% vs 12% Apply
Philippine Supreme Court clarifies when 6% or 12% legal interest applies—loans and forbearance versus other obligations. Learn the rules.
Decoding Loan Agreements: How Ambiguity Can Invalidate Penalty Clauses in the Philippines
Philippine Supreme Court ruling on how ambiguous penalty clauses in loan agreements, especially contracts of adhesion, are construed against the drafting bank.
Avoiding Pactum Commissorium: Protecting Borrowers in Philippine Loan Agreements
Learn how the Supreme Court protects borrowers from pactum commissorium—automatic property appropriation in loan agreements—under Philippine law.
Equitable Mortgage in Philippine Real Estate: Protecting Your Property Rights
When is a deed of sale actually an equitable mortgage? Learn how Philippine courts protect property owners from disguised loan transactions.
Philippine Legal Interest on Loans: When Does 12% Apply? Villanueva v. CA Explained
Learn when 12% legal interest applies to unpaid loans in the Philippines, based on the Supreme Court's ruling in Villanueva v. Court of Appeals.