Practice question
The mortgage expressly requires personal notice to the mortgagor in addition to statutory public notices. The creditor completes posting and publication but concededly ignores the personal-notice covenant. It says Act 3135 never independently requires personal notice, so the covenant is irrelevant. What is correct?
- Every contractual personal-notice clause is void.
- Public notice always authorizes ignoring an additional valid notice undertaking.
- Personal notice is the only statutory notice and replaces publication.
- The statute generally does not require personal notice, but an applicable contractual undertaking must also be honored.
- The mortgagor’s silence automatically repeals the covenant.
Legal references
- https://www.lawphil.net/courts/rules/rc_1-71_civil.html — Rules of Court, Rule 68 sections 2–3.
- https://lawphil.net/judjuris/juri2024/jan2024/gr_217860_2024.html — Lontoc v Tiglao, GR 217860, January 29 2024, main opinion: Rule 68 sections 2–3.
- https://lawphil.net/judjuris/juri2017/jul2017/gr_209452_2017.html — Gotesco Properties v Solidbank, GR 209452, July 26 2017, main opinion: Act 3135 section 3 posting and publication.
- https://lawphil.net/judjuris/juri2020/sep2020/gr_226272_2020.html — Panacan Lumber v Solidbank, GR 226272, September 16 2020, main opinion: personal-notice stipulation.
- https://lawphil.net/judjuris/juri2023/aug2023/gr_228919_2023.html — Palo v Spouses Baquirquir, GR 228919, August 23 2023, main resolution: Act 3135 section 1 expressly granted special power of sale.
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