Practice question
A creditor honestly enforces a valid due debt through lawful procedures, with no proven malice or intent solely to injure. The debtor claims abuse solely because collection is financially inconvenient. Which is correct?
- Inconvenience alone does not establish the required bad-faith abuse
- Every collection is automatically abuse
- Every creditor must forgive every debt
- A debt is void whenever payment is difficult
- The creditor’s right makes actual malice irrelevant in every case
Legal references
- Mercado v. Ongpin, G.R. 207324, September 30, 2020: https://elibrary.judiciary.gov.ph/thebookshelf/showdocs/1/67004
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