TL;DR — Ruling
WHEREFORE, premises considered, the instant Appeal is GRANTED and the Decision dated 14 January 2009 of the Regional Trial Court of Makati City, Branch 146, in Civil Case No. 99-1986 is REVERSED and SET ASIDE in so far as defendant-appellant Bonnie S. Lao is concerned. Accordingly, the Real Estate Mortgage dated 22 December 1998 between defendant Spouses Ricardo Ocampo and Cresencia Ocampo and defendant-appellant Bonnie S.
WHEREFORE, premises considered, the instant Appeal is GRANTED and the Decision dated 14 January 2009 of the Regional Trial Court of Makati City, Branch 146, in Civil Case No. 99-1986 is REVERSED and SET ASIDE in so far as defendant-appellant Bonnie S. Lao is concerned. Accordingly, the Real Estate Mortgage dated 22 December 1998 between defendant Spouses Ricardo Ocampo and Cresencia Ocampo and defendant-appellant Bonnie S. Lao is hereby declared VALID and with LEGAL FORCE and EFFECT . SO ORDERED.
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