Title
Cruz vs. Kelly
Case
G.R. No. L-4896
Decision Date
Apr 30, 1953
Apolinario Cruz sued for mortgage foreclosure; defendant Yapcinco waived debt moratorium by expressing willingness to pay. Case remanded for further proceedings.

Case Summary (G.R. No. 127759-60)

Case Background and Court Filings

On July 22, 1949, Apolinario Cruz filed a complaint against Fernando F. Yapcinco for the collection of P6,000, asserting that the amount was due along with interest and an additional ten percent as liquidated damages. In the event of non-payment, Cruz sought foreclosure of the mortgage secured by the property. Crucially, Cruz acted based on an assignment from Jose C. Marcelo, the original mortgagee. In response, Yapcinco sought a judgment that included a release of the mortgage upon payment in accordance with legal standards embodied in the Ballantyne scale of values.

Third-Party Complaint and Estate Administration

On September 21, 1949, Yapcinco filed a third-party complaint against Jose C. Marcelo, requesting not only a judgment favoring Yapcinco, but also aimed at discharging his obligation contingent on payment of P200 and the transfer of the title of the property back to him. Following Yapcinco's death, Patrocinio Kelly was substituted as the administratrix of his estate.

Court Dismissal

On January 9, 1951, the Court of First Instance of Tarlac dismissed the case on its own initiative, citing the debt moratorium established under Executive Order No. 25, as amended by Executive Order No. 32. This decision limited the enforcement of obligations for debtors during a specified period, intending to protect them in financial distress.

Appeal and Legal Considerations

The dismissal was contested by Cruz on appeal. The court recognized that the debt moratorium is a statutory right that can be waived and does not necessarily impact public interests or the rights of third parties. The court found a waiver in the current situation due to the defendant's inaction regarding the moratorium defense, and his express requests in both the original answer and third-party complaint asserting his willingness t

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