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Ang Batas, Sa Simpleng Salita — your rights, finally explained.

Article 1169

RA 386 · Civil Code of the PhilippinesKey provision

ELI5— what this means for you

Delay (mora): the debtor is in default when the creditor demands performance and the debtor fails to comply. Once in default, the debtor bears all risks of loss and is liable for damages.

Key point

A demand is required before a debtor is officially 'in default' — unless the law or contract says otherwise.

Official text — RA 386

Full article text is being added. Read the official text at officialgazette.gov.ph.

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