What the client says
Leave a review“What sold me was the client portal. I could see my case progress, my next appointment, and my invoice all in one place. I never had to wonder whether my lawyer forgot about me, because everything was right there.”
Jennifer Garcia
Family law client · Davao City
“Dugay na nga na-freeze ang estate sa akong amahan kay wala mi kahibalo asa magsugod. Gi-mapa ni Atty. Gascon ang matag lakang, gibayran ang estate tax, ug na-transfer ang mga titulo ngadto sa amo nga lima ka manununod. Sa unang higayon, nag-istoryahanay na pud ang pamilya imbis nga mag-away.”
Elena Mendoza
Estate settlement client · Davao City
“We got a BIR Letter of Authority and honestly akala nako mawala na among negosyo. Kay si Atty. lawyer ug CPA man, the assessment got answered sa language nga gigamit gyud sa examiner. Na-cut down ang deficiency to a fraction of the original.”
Roberto Santos
BIR audit defense client · Digos
“Selling our family land had a tax angle I didn't even know existed. Because Atty. Gascon is both a lawyer and a CPA, he caught it, computed the capital gains correctly, and structured the sale so we didn't overpay. Having one person handle both sides made a real difference.”
Rolando Espino
Property sale client · Tagum
“Gi-handle niya ang akong petisyon nga diskreto kaayo, bisan ang akong pinakasuod nga mga higala wala makahibalo hangtod ako mismo ang misulti. Prangka siya gikan sa unang panagkita kung unsa ka-dugay ni mahimo, ug wala gyud niya ako gihatagan og bakak nga paglaom.”
Cristina Flores
Family law client · Tagum
“The lot we inherited had a title still naa pa sa pangalan sa akong lola. Gi-buhat sa firm ang extrajudicial settlement, they paid the right taxes, ug gi-proseso ang papeles sa Registry of Deeds. We finally hold a clean title.”
Danilo Reyes
Property title transfer client · Panabo
“A supplier owed us a large balance and kept stalling. The firm sent the demand, secured the claim with an attachment so the assets couldn't quietly disappear, and we recovered most of it without a drawn-out trial. Practical from day one.”
Alfredo Bernardo
Collection case client · Davao City
“Naulaw ko mo-amin nga dili nako kaya bayran ang tanan sa makausa. Gihatagan ko nila og gamay nga paunang bayad ug pleksible nga iskedyul, walay paghukom. Murag firm gyud nga seryoso kung mo-ingon sila og barato nga presyo para sa ordinaryong tawo.”
Lourdes Rivera
Family law client · Davao City
“I came in to register one small company ug mibiya ko nga complete na ang books, BIR registration, ug SEC papers, parehas ra og office ang nag-ayo. Doing the legal side and the accounting side under one roof, dako gyud og time na-save namo.”
Eduardo Castillo
Business formation client · General Santos
“Our SEC filings were years behind and a co-owner dispute was brewing. They cleaned up the records first, then sorted the disagreement through the by-laws without dragging us to court. Calm and methodical.”
Daisy Galang
Corporate client · General Santos
“Dili gyud nako kaya og abogado sa akong kaugalingon. Gidawat nila ang akong kaso sa kontingensiya nga kasabotan ug gi-atiman nila kini sama ka-seryoso sa bisan kinsa nga nagbayad. Wala gyud ko mibati nga limos lang ang akong kaso.”
Marilou Salazar
Family law client · Bansalan
“Magulo kaayo ang bookkeeping sa among cooperative ug nahadlok mi sa penalties. They cleaned up two years of records, gi-ayo ang among payroll filings, and now we actually understand our own financial statements.”
Arturo Domingo
Accounting client · Mati
“Solid work on our incorporation and good advice on the tax side. My only note is that getting a first appointment took a couple of weeks because they're clearly busy. Once we started, though, the service was excellent.”
Gerardo Alcantara
Business formation client · General Santos
“Masakit ug komplikado kaayo ang pag-areglo sa estate sa akong namatay nga bana. Mapailubon kaayo ang firm sa matag pirma, ug gipasabot nila ang estate tax sa mga pulong nga akong masabtan.”
Remedios Castro
Estate settlement client · Cagayan de Oro
“The process took longer than I hoped. Daghan og balik-balik sa BIR, pero gi-update ko nila sa tibuok panahon ug patas man ang resulta. I'd still recommend them, just be ready for government timelines.”
Nestor Morales
Tax compliance client · Davao City
“They registered our brand with the IPOPHL and keep track of the renewal deadlines so we don't lose it. It took longer than I expected because of the office actions, but they explained each step and saw it through.”
Evelyn Sevilla
Trademark client · Davao City
“Ang custody mao ang pinakalisod nga akong naagian. Gipanalipdan niya ang akong mga anak gikan sa kasamok ug gipaningkamotan niya ang kasabotan nga mu-angay gyud para namo. Kalmado, andam, ug wala gyud nagdrama atubangan sa akong mga bata.”
Marivic Pascual
Custody client · Panabo
“Wala gyud siya misaad og result nga dili niya ma-control, which I respected. What he did was prepare me completely ug gi-assert ang tanan nakong rights. I walked into each hearing knowing exactly what would happen.”
Vicente Diaz
Criminal defense client · Tagum
“We had a small breach at our clinic and panicked. They walked us through the NPC notification window, fixed the consent forms we didn't even realize were non-compliant, and trained the staff. The follow-up letter from the Commission was routine because the paperwork was finally in order.”
Concepcion Romualdez
Data privacy client · Davao City
“Nagdali-dali ang among kooperatiba sa wala pa ang mga deadline sa CDA ug nagkagubot ang reserve fund. Kay abogado ug CPA man, na-areglo ang legal nga bahin ug ang bookkeeping nga dungan. Nahiuyon na mi sa balaod karon, ug ang mga miyembro mosalig na sa mga numero.”
Erlinda Ignacio
Cooperative client · Mati
“Our business was drowning in debt ug abi nako og pagsira na lang ang bugtong dalan. They reviewed the books honestly ug gipakita nga mahimo diay ang rehabilitation. The plan kept us running ug nakabayad sa mga creditor sa hinay-hinay.”
Wilson Magno
Corporate rehabilitation client · Cagayan de Oro
“I had overstayed and was terrified of being blacklisted. They told me plainly what the Bureau would require, regularized my status, and handled the paperwork. The government timeline was slow, but they kept me updated the whole way.”
Hiroshi Tanaka
Immigration client · Davao City
“Gipapahawa ko sa trabaho nga walay hustong pahibalo ug wala ko kahibalo nga mubo ra diay ang akong panahon para mu-aksyon. Paspas silang milihok sa proseso sa DOLE ug nakakuha ko og patas nga kasabotan. Salamat gyud nga wala ko naghulat.”
Norma Javier
Labor case client · Panabo
“After a contested local race, importante kaayo ang oras. Na-file nila ang protesta within the deadline ug gi-guide ko sa ballot revision realistically, wala nag-oversell sa chances. Steady hands bisan sa tinuod nga pressure.”
Allan Ventura
Election case client · Digos
“After we lost a family member we were angry and wanted to sue immediately. They read the records first and were honest about what could and could not be proven, then built the case carefully on the medical evidence. The candor mattered as much as the work.”
Salvador Hernandez
Medical malpractice client · Davao City
“Giingnan ko niya og prangka nga adunay huyang nga bahin ang akong kaso ug mas maayo nga makig-areglo kaysa mogasto og duha ka tuig sa korte aron mapildi lang. Mas gipabilhan nako ang kaprangka kaysa bisan unsang saad. Nag-areglo mi ug natipigan nako ang akong tinigom.”
Renato Navarro
Property dispute client · Digos
LAW · PRACTICE GROUP
We act for policyholders and beneficiaries whose claims were denied, delayed, or paid for less than they are owed: life, health, property, fire, motor, personal accident, and HMO coverage. The work is part reading and part pressing. We study the policy and the denial letter, gather the proof of loss, and pursue the claim through a demand, an Insurance Commission complaint, or a civil case for the proceeds. The Insurance Code (RA 10607, which amended PD 612) governs insurers, and HMOs answer to the Insurance Commission as well. The periods to act can be short, and an insurer's refusal is not the last word, so bring the papers early. We are candid that no outcome is guaranteed, and we never promise one.
Led by a dual-licensed Attorney and CPA
Scope
Denied life-insurance claims, including disputes over alleged misrepresentation, concealment, suicide and contestability clauses, and missing beneficiary documents (under the Insurance Code, RA 10607)
Denied or short-paid health, medical, and HMO claims, including refused pre-authorization, "pre-existing condition" denials, and unpaid hospital bills (HMOs are regulated by the Insurance Commission)
Property and fire claims, where the insurer disputes the cause, the value, or the proof of loss
Motor-vehicle claims, both own-damage and third-party, including total-loss valuation and repair disputes
Personal-accident and disability claims, and delays in releasing the proceeds
Underpayment: a claim settled for less than the policy and the loss support
Unreasonable delay or bad-faith refusal to pay a valid claim, and the interest and damages the law may allow in such cases
Demand letters to the insurer or HMO, and the formal proof-of-loss and documentary requirements that a claim turns on
Complaints and mediation before the Insurance Commission, and a civil action for the proceeds where that is the right route
Before you engage
A claim usually rises or falls on two things: what the policy actually says, and whether the proof of loss was complete and on time. Keep the full policy, the denial or settlement letter, your claim forms, the receipts and medical or repair records, and every message with the insurer or HMO. Do not sign a quitclaim or accept a final payment before counsel reviews it. The periods to file with the Insurance Commission or in court can be short, so do not let a denial sit. No honest lawyer can promise that a denied claim will be paid, and this firm will not. What it can do is test the denial against the policy and the Insurance Code, make the formal demand, and take the claim to the Insurance Commission or to court where that is the better path.
Engagement
Consultation: the firm assesses what happened and the evidence you have, checks for conflicts, and quotes a fee.
Engagement: a signed letter fixes the scope, the milestones, and the fee.
Work: a lawyer of the firm studies the policy and the denial, assembles the proof of loss, sends the demand, and pursues the claim before the Insurance Commission or in a civil action, with a written status report at each step.
Resolution and report: you receive the outcome, the papers, and a closing memo you can keep.
Reasonable prices, client first
Razonable Gascon is built for ordinary Filipinos: the highest quality of legal, tax, and accounting work at prices the masses can actually afford. Talk to the firm about a payment plan that works for you, cost should never be the reason a real problem goes unanswered.
Begin your case with a small initial payment and settle the balance on a schedule that fits your situation. No need to pay everything up front.
For qualified cases, the firm can work on a contingency basis, the professional fee is owed only if and when you actually recover.
Meritorious matters for clients who genuinely cannot pay are taken on at reduced or no fee. Access to good counsel should not depend on means.
Not sure what you can manage? Start with a free consultation and the firm will be candid about cost before you commit to anything.
Questions
Not necessarily, but the answer depends on the policy and the reason given. A denial can rest on a real exclusion, on a contestable misrepresentation, or on a proof-of-loss gap that may still be curable. Bring the policy and the denial letter, and the firm will read the stated reason against what the policy and the Insurance Code (RA 10607) actually require, then tell you honestly whether there is a claim worth pressing rather than sell you a result.
A formal demand often moves a stalled file, and where it does not, the claim can go to the Insurance Commission for mediation or to a civil court for the proceeds. The law may also allow interest and damages where a valid claim is unreasonably refused or delayed, though that is decided on the facts and is never guaranteed. Keep the policy, the offer, and every message, and bring them in before you sign anything final.
Yes. HMOs are regulated by the Insurance Commission, so a refused pre-authorization, a "pre-existing condition" denial, or an unpaid bill can be raised by demand and, if needed, before the Commission. Bring your HMO contract or member guide, the denial or the hospital statement, and your medical records, and the firm will assess where the dispute stands.
See also
A denial is not the last word. Keep your policy and the denial letter, sign nothing final, and book a consultation.
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