An obligor can raise any personal defenses he or she may have directly against an assignee.

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An obligor (debtor) can raise any personal defenses (such as lack of consideration, fraud, duress, etc.) he or she may have directly against an assignee (the person to whom the debt has been assigned). This means that the assignee steps into the shoes of the original creditor and assumes all of their rights and responsibilities, including the risk of the debtor asserting personal defenses.

An Obligor Can Raise Any Personal Defenses He or She