Practice question
Pilar owes Quinn a secured debt. Rafi, a disinterested stranger, pays it without Pilar’s knowledge or approval. No creditor preference, interested-payer status, conventional agreement, or other legal-subrogation basis is established. Rafi claims payment alone automatically transfers Quinn’s mortgage rights. Which is best?
- Every payment by any stranger automatically gives every security right.
- Quinn’s receipt alone supplies Pilar’s consent to conventional subrogation.
- Rafi is automatically the debtor rather than the payer.
- Payment alone does not establish the asserted subrogation; reimbursement rights must be distinguished from transfer of security rights under the applicable provisions.
- Rafi necessarily owns the mortgaged land after payment.
Legal references
- https://lawphil.net/statutes/repacts/ra1949/ra_386_1949.html — Civil Code, articles 1236–1237 and 1300–1304.
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