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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Writ of Possession in the Philippines: When Can a Bank Take Your Property
Learn when banks can take property in the Philippines through writs of possession, and how agrarian reform rights affect foreclosure cases.
Unregistered Lease vs Mortgage: Tenant Rights in Foreclosure Explained
When a lease is unregistered and the property is foreclosed, who wins? The Supreme Court clarifies tenant rights in Mercader v. DBP.
Sheriffs Authority VS Abuse OF Power Defining Limits IN Foreclosure Proceedings
When can courts suspend public officials? Juan v. People clarifies preventive suspension under the Anti-Graft Law for election offenses.
Court Personnel Dismissed for Mishandling Auction Proceeds in Chattel Mortgage Foreclosure
Sheriff and clerk of court dismissed for failing to turn over excess auction proceeds to mortgagor in chattel mortgage foreclosure.
Extrajudicial Foreclosure and Redemption: Lessons from DBP v. Piñeda
Learn how the Supreme Court clarified the one-year redemption period in extrajudicial foreclosure and the good faith rule for mortgagee possession.
Homestead Redemption After Foreclosure: The 5-Year Right Under the Public Land Act
Homesteaders have a five-year right to repurchase foreclosed land under the Public Land Act, even after a bank consolidates title.
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.
Equitable Mortgage vs. Sale With Right to Repurchase: Philippine Supreme Court Ruling
Philippine Supreme Court explains when a "sale with right to repurchase" is actually an equitable mortgage, protecting borrowers from unfair foreclosure.
Philippine Separation Pay: When Business Closure Is Not Enough to Avoid Labor Obligations
Philippine Supreme Court ruling on when business closure does not exempt employers from separation pay obligations under Article 283 of the Labor Code.
Lost Your Property to Foreclosure? Know Your Rights to Proper Notice in the Philippines
Learn how the Supreme Court protects borrowers from invalid foreclosure sales when banks fail to follow notice and publication rules.
Mortgage Foreclosure: What Happens When a Bank Consolidates Title Before Your Case Ends
Philippine Supreme Court ruling on bank consolidation of foreclosed property title, TRO effects, and borrower rights during pending litigation.
Missed Deadlines: Why Proof of Notice Is Crucial in Philippine Courts
Philippine Supreme Court ruling on employer notice requirements, closure of business, and separation pay under Article 283 of the Labor Code.
When Banks Lose the Right to Collect: Estoppel in Foreclosure Deficiency Claims
When can a bank be barred from collecting a foreclosure deficiency? The Supreme Court explains estoppel's limits in PNB v. Court of Appeals.
Mortgage Foreclosure After Death of a Debtor: Creditor Options in the Philippines
When a mortgagor dies, creditors have three legal options. Learn how extrajudicial foreclosure works under Philippine law.
Acceleration Clauses in Philippine Chattel Mortgages: Rights and Limitations
Philippine Supreme Court ruling on acceleration clauses in chattel mortgages, good faith, and damages for wrongful foreclosure.
Validating Foreclosure Sales: Due Process and Property Rights in Philippine Law
A 1999 Supreme Court ruling explains when extrajudicial foreclosure sales are valid despite claims of defective notice, low price, or holiday sale.
Buyer Beware Understanding Mortgage Foreclosure Risks When Purchasing Property in the Philippines
Learn from Ligon v. Court of Appeals why buyers of mortgaged Philippine property face serious foreclosure risks and what due diligence requires.
Cracking Down on Illegal Recruiters: Why Proof of Job Promise Is Crucial in Philippine Law
Learn how Philippine courts distinguish valid business closures from union busting, and why proof of job promises matters in illegal dismissal cases.
Voluntary Resignation vs Illegal Dismissal: Supreme Court on Valid Business Closure
When is a company shutdown a valid closure, not illegal dismissal? The Supreme Court explains the rules on business closure and quitclaims.
Repossession Expenses and Chattel Mortgage Foreclosure: Understanding Mortgagor Liabilities
When foreclosure becomes a fait accompli, can a mortgagor still sue for damages? The Supreme Court clarifies the rule.
Premature Foreclosure and Damages Claims: What Happens After the Auction Sale
Philippine Supreme Court rules foreclosure sale does not moot a damages claim for premature foreclosure. Know the legal implications.
Buyer Beware Inheriting Obligations IN Philippine Property Foreclosures
Philippine Supreme Court ruling on property foreclosures: buyers may inherit seller's obligations to installment buyers, even without written contracts.
Tenant Rights VS Foreclosure Protecting Agricultural Lessees IN THE Philippines
Learn how Philippine law protects agricultural lessees from eviction after foreclosure, and what tenants must prove to keep their land.
Res Judicata and Writs of Possession: Protecting Property Rights in Foreclosure Disputes
A writ of possession is not a judgment on the merits, so it does not bar a later action to annul a foreclosure. Learn the rule.