Civil Transactions Law

1. Payment shall be made to the creditor or to his agent. Any person who provides the debtor with a letter of discharge issued by the creditor shall have the capacity to collect the debt, unless it is agreed that the payment be made personally to the creditor. 2. If the creditor is fully or partially incompetent, the debtor shall be discharged only by paying the debt to the creditor’s guardian or trustee. Payment may be made to a partially incompetent creditor if the obligation was created with the authorization of his trustee or guardian and the trustee or guardian did not preclude payment to such person. Civil Transactions Law Subsection 2: Rejection of Performance