Title
Supreme Court
Union Bank of the Philippines vs. Santibanez
Case
G.R. No. 149926
Decision Date
Feb 23, 2005
A dispute over loan obligations and estate partition arose after a debtor’s death; heirs’ extra-judicial agreement was invalid, and claims against the estate were barred due to improper filing and lack of legal standing.

Case Summary (G.R. No. 149926)

Facts

  1. On May 31, 1980 and December 13, 1980, FCCC extended two loans (₱128,000 and ₱123,156) to decedent Efraim Santibañez for the purchase of Ford tractors. Efraim and Edmund executed promissory notes and a continuing guaranty agreement in favor of FCCC.
  2. Efraim died in February 1981, leaving a holographic will. Probate proceedings commenced in Iloilo City (Special Proceedings No. 2706). Edmund was appointed special administrator on April 9, 1981.
  3. On July 22, 1981, Edmund and Florence entered a joint extrajudicial agreement partitioning three tractors between themselves—each to assume the indebtedness corresponding to the tractor taken.
  4. On August 20, 1981, FCCC purportedly assigned its assets and liabilities to Union Savings and Mortgage Bank by deed of assignment; UBP’s participation in that deed was not evidenced.
  5. UBP sent demand letters to Edmund and Florence in 1987 and, upon nonpayment, filed a complaint for sum of money on February 5, 1988, against both heirs before RTC Makati Branch 150 (later transferred to Branch 63). Edmund remained outside Philippine jurisdiction.

Procedural History

• Florence filed an answer contesting her liability, arguing the joint agreement was unapproved by the probate court and thus void, and that any claim against the decedent should have been filed in probate.
• RTC Branch 63 dismissed the complaint for lack of merit, holding:
– A money claim against a decedent must be filed in the probate court under Rule 86, Sections 1 and 5, Revised Rules of Court.
– The July 1981 joint agreement effected an extrajudicial partition during pending probate and was void for lack of court approval.
– UBP failed to prove it succeeded to FCCC’s rights under the deed of assignment.
• CA affirmed, rejecting UBP’s arguments that the joint agreement needed no probate approval, that Florence waived her right by participation, and that the holographic will did not cover the tractors.

Issues

  1. Whether an extrajudicial partition among heirs is valid before probate approval.
  2. Whether heirs’ assumption of decedent’s indebtedness under an invalid partition binds them.
  3. Whether UBP’s claim could proceed in ordinary civil action without filing in probate court.
  4. Whether respondents are solidarily liable under the continuing guaranty and promissory notes.
  5. Whether UBP proved its status as successor in interest to FCCC’s claims.

Applicable Law

• 1987 Philippine Constitution – ensures due process and judicial jurisdiction in estate administration.
• Rule 86, Sections 1 and 5, Revised Rules of Court – mandates filing of all money claims against decedent in probate.
• Civil Code Article 1082 – defines partition and requires court approval for extrajudicial divisions affecting estate jurisdiction.
• Civil Code Article 774 – regulates transmission of obligations from decedent to heirs, subject to estate settlement procedures.

Supreme Court Ruling and Legal Analysis

  1. Jurisdiction of Probate Court
    – Probate court has exclusive authority over administration, liquidation, and distribution of a decedent’s estate. All claims for money against a decedent must be filed in probate within the statutory period or are forever barred, per Rule 86, Sec. 5. UBP’s direct civil action circumvented this requirement.

  2. Invalidity of Extrajudicial Partition
    – Under established jurisprudence, no valid partition among heirs can occur until a will is probated. The holographic will’s residuary clause (“all other properties…”) encompassed the three tractors. The July 1981 agreement, entered while probate was pending, constituted an extrajudicial partition and was void for lack of probate court approval.

  3. Heirs’ A

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