Title
Mallari vs. Government Service Insurance System
Case
G.R. No. 157659
Decision Date
Jan 25, 2010
Eligio Mallari failed to repay loans secured by mortgaged properties, leading to GSIS foreclosure. Courts upheld GSIS’s rights, dismissing Mallari’s dilatory actions as misconduct.

Case Summary (G.R. No. 157659)

Petitioner, Respondent and Property Details

Mallari contracted two loans from GSIS in 1968 secured by two parcels of land registered in his and his wife Marcelina’s names. Total loans: P34,000. Payments made by Mallari in 1978: P10,000 (May 22) and P20,000 (August 11), leaving substantial arrears. GSIS initiated foreclosure proceedings resulting in an extrajudicial foreclosure and auction sale, after which titles (TCT No. 284272-R and TCT No. 284273-R) were issued in GSIS’s name.

Key Dates and Procedural Milestones

Significant procedural acts included GSIS’s reminders and telegraphic demand (1979–1981), application for extrajudicial foreclosure (March 21, 1984), extrajudicial foreclosure proceedings commenced (July 21, 1986) and auction held (September 22, 1986). Mallari obtained a favorable RTC ruling nullifying the foreclosure but the Court of Appeals reversed (March 27, 1996) and the Supreme Court denied review and reconsideration (September 16, 1996 and January 15, 1997 respectively), making the CA decision final and executory. GSIS sought execution and a writ of possession in 1999; the RTC issued the writ (October 21, 1999). Mallari filed multiple motions and a second case (Civil Case No. 12053) which was dismissed for res judicata (November 10, 2000). Subsequent RTC orders (including July 30, 2001 and February 11, 2002) directed re-implementation of the writ. Mallari filed a certiorari petition in the CA (March 15, 2002) which the CA dismissed (March 17, 2003); the SC affirmed that dismissal on review.

Applicable Law and Procedural Rules

Governing legal texts and rules applied by the courts included: Act No. 3135 (as amended) on extrajudicial sale under special power in real estate mortgages; Sections of Rule 39 on redemption periods and registration effects; Section 4, Rule 65 (1997 Rules of Civil Procedure, as amended) prescribing a 60-day period for filing certiorari; Section 28 of Rule 39 (current Rules of Court, effective July 1, 1997) on redemption reckoning from registration; Section 4, Rule 71 (1997 Rules) on procedures for indirect contempt; and the Code of Professional Responsibility (Rule 10.03, Canon 10; Rule 12.04, Canon 12) and the Lawyer’s Oath obligations. (The decision applies the 1987 Constitution as the controlling charter.)

Factual Background and Mallari’s Litigation Strategy

Mallari repeatedly sought accounting updates and filed multiple procedural motions spanning several years in an effort to delay foreclosure enforcement and retain possession. After payments in 1978 and GSIS’s eventual extrajudicial foreclosure and sale, Mallari secured an RTC decision nullifying the foreclosure but that decision was reversed by the CA and the reversal was sustained by the Supreme Court, making the extrajudicial foreclosure, auction sale, and issuance of new certificates of title to GSIS final and unassailable. Despite finality, Mallari filed motions for reconsideration, to quash the writ of execution, motions for contempt (alleging GSIS painted fences and ordered power cutoffs), initiated a second suit for consignation, and sought reassignment of the presiding judge through an inhibition motion, all of which delayed enforcement efforts.

Procedural History Leading to the CA Petition

After the Supreme Court’s denial of review, GSIS filed an ex parte motion for execution and a writ of possession in September 1999; the RTC granted execution and issued the writ in October 1999. The sheriff did not immediately serve the writ because Mallari requested an extension of time to vacate, which GSIS granted; Mallari nevertheless did not vacate and continued to file motions. The matter was re-raffled to Branch 48, which denied Mallari’s contempt motions and ordered re-implementation of the writ on July 30, 2001; a motion for reconsideration was denied February 11, 2002. Mallari then filed a petition for certiorari in the CA challenging the relevant RTC orders; the CA dismissed the petition as meritless and part of dilatory tactics. Mallari sought review in the Supreme Court; the SC denied relief and affirmed the CA’s dismissal.

Issue Presented on Appeal

Mallari challenged the CA’s refusal to accept the nullity of the RTC orders granting and implementing the writ of execution cum writ of possession (October 8 and October 21, 1999), ordering re-implementation (July 30, 2001), and denying reconsideration of that re-implementation order (February 11, 2002). He contended, among other points, that he had not been notified of the motion for the writ and that the dismissals of his contempt charges were erroneous.

Supreme Court’s Threshold Ruling on Timeliness

The Supreme Court found the petition for certiorari filed in the CA untimely. The petition challenged RTC orders that were, in substance, final and subject to a 60-day filing period under Section 4, Rule 65 of the 1997 Rules of Civil Procedure (as amended). The SC concluded that the petition was filed beyond the reglementary 60-day period and that the 60-day limitation is inextendible because it promotes the constitutional right to a speedy disposition of cases. The SC also characterized Mallari’s later motions for reconsideration as a prohibited second motion and held that they could no longer be attacked by certiorari.

Nature of the Writ of Possession and Legal Effect of Non-Redemption

The Court thoroughly analyzed the legal nature of writs of possession in the context of extrajudicial foreclosure under Act No. 3135 (as amended). Key points reproduced and applied by the Court: (1) redemption rights under Act No. 3135 are measured from the registration of the certificate of sale with the Register of Deeds; (2) failure to redeem within the one-year redemption period (reckoned from registration) results in consolidation of title in the purchaser and loss of the mortgagor’s interest; (3) upon consolidation of title and issuance of a new TCT in the purchaser’s name, the purchaser becomes absolute owner and may demand possession at any time; and (4) the issuance of a writ of possession to enforce consolidated title in a purchaser following extrajudicial foreclosure is a ministerial duty of the court and may be issued ex parte and without prior notice to the mortgagor. The SC applied these principles to hold that Mallari, as a non-redeeming mortgagor, was not entitled to prior notice of GSIS’s application for the writ and could not successfully impugn the extrajudicial foreclosure or the writ of possession.

Ministerial Nature of Issuance and Ex Parte Proceeding

The Court emphasized the ministerial character of issuing a writ of possession once a judgment or foreclosure sale has become final and title consolidated in the purchaser; issuance does not require judicial discretion or a prior adversarial hearing. The proceeding is ex parte and summary in nature under Act No. 3135. Because Mallari had failed to redeem within the statutory period and title had consolidated in GSIS, the RTC’s issuance of the writ was ministerial and proper; Mallari’s attempts to challenge it were therefore legally untenable.

Dismissal of Indirect Contempt Charges and Procedural Requirements

The SC upheld the dismissal of Mallari’s motions charging GSIS with indirect contempt. It relied on Section 4, Rule 71 of the 1997 Rules of Civil Procedure which requires that indirect contempt proceedings initiated by a party be commenced by a verified petition with supporting particulars and certified copies of documents, together with compl

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