Title
Supreme Court
Belo vs. Marcantonio
Case
G.R. No. 243366
Decision Date
Sep 8, 2020
Foreclosure case: defective substituted summons, default order lifted due to lack of due process, respondent allowed to participate.

Case Summary (G.R. No. 243366)

Factual Background

On January 12, 2015, Petitioner filed a complaint for foreclosure of mortgage against Respondent. The sheriff attempted service of summons at Respondent's known address in Mandaluyong City by leaving copies to Giovanna Marcantonio, allegedly Respondent’s niece, as Respondent was not present. The sheriff’s return indicated only one attempt at personal service and resorted to substituted service by leaving the summons with Giovanna, a person of suitable age and discretion. Respondent did not file a responsive pleading, prompting the RTC to declare her in default and allow Petitioner to present evidence ex parte.

Respondent’s Motion to Set Aside Default and Ground for Defective Service

Respondent later learned of the case in April 2016 through the niece, Mae Zamora, and promptly moved to set aside the order of default and reopen the trial, citing defective service of summons. She contended she had not received the summons personally, was not residing at the Mandaluyong address at the time, and that the summons was left with her daughter (not niece as stated by the sheriff) who failed to notify her. Respondent also claimed she had meritorious defenses including alleged fraudulent misrepresentation and partial payments towards the mortgage debt.

RTC Rulings on Validity of Service and Jurisdiction

The RTC denied Respondent’s motion in an order dated August 15, 2016, ruling the substituted service valid based on the sheriff’s return. It also held that Respondent’s filing of motions amounted to a voluntary appearance, thereby vesting the court with jurisdiction. A subsequent motion for reconsideration was similarly denied on September 22, 2017.

Court of Appeals Findings

The CA reversed the RTC's orders, ruling that the substituted service was improper and invalid. The CA pointed out that the sheriff made only one attempt at personal service, without describing circumstances that justified substituted service as required by Rule 14, Sections 7 and 8 of the Rules of Court. The presumed regularity of the sheriff’s duties did not apply due to the deficiencies in the return. Furthermore, the CA held that Respondent’s motions to lift default were not voluntary appearances conferring jurisdiction because they were filed precisely to question jurisdiction based on defective service.

Principal Issue

Whether Respondent can be granted relief from the RTC’s default order despite the defective substituted service of summons, considering that Respondent submitted herself to the court’s jurisdiction by filing the motion to lift default.

Supreme Court’s Analysis on Service of Summons

The Supreme Court agreed with the CA that the substituted service was defective and invalid. It emphasized that substituted service is an extraordinary measure allowed only after multiple documented attempts at personal service, preferably on different days, and that such attempts must be described in the sheriff’s return to justify substituted service. The single general statement by the sheriff was insufficient, especially with misidentification of the recipient of the summons. Therefore, the initial service of summons failed to satisfy procedural and due process requirements.

Voluntary Submission to Jurisdiction and Due Process Considerations

Contrary to the CA’s view, the Supreme Court ruled that Respondent, by filing the motion to lift default and re-open trial, voluntarily submitted herself to the jurisdiction of the trial court, thereby curing the defect in service of summons. This conduct signified Respondent's awareness and participation, which constitutes a waiver of any jurisdictional defect.

However, the Court clarified that this voluntary submission cures only the “notice” aspect of due process but not the “hearing” aspect, i.e., the right to be heard. Due process requires both proper notice and an opportunity to be heard. The trial court erred when it refused to allow Respondent to participate in the proceedings despite her pleading to be allowed to present her defenses. Thus, Respondent’s right to due process was violated.

Legal Framework for Defendants Declared in Default

Under Section 3, Rule 9 of the Rules of Court, a defendant who fails to file an answer can be declared in default. While this results in loss of rights to control proceedings and cross-examine witnesses, the defendant may still file a motion to set aside the default order before judgment on grounds of excusable neglect coupled with a meritorious defense (Rule 18, Section 3). The Court cited jurispudence outlining available remedies for declared-in-default defendants, including motions to set aside default, motions for new trial, petitions for relief from judgment, and appeal rights.

Respondent's motion to lift default, grounded on defective service of summons, was a legitimate exercise of these remedies. The trial court's denial of this motion and refusal to allow participation nullified subsequent proceedings.

Jurisdiction in Judicial Foreclosure as Action Quasi in Rem (Concurring Opinion)

The concurring opinion emphasized that judicial foreclosure is an action quasi in rem: the court’s jurisdiction lies primarily over the property (res), not necessarily over the person of the defendant. Thus, jurisdiction over the defendant's person is not a prerequisite to confer jurisdiction to the court in such cases, provided that the court acquires jurisdiction over the res.

The primary function of summons in quasi in rem actions is to notify the defendant so that they may protect their intere


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