15. Mr. Debtor owes Mr. Creditor P100, 000. On the due date, Mr. Debtor delivers a cashier's check for the full amount. Mr. Creditor refuses to accept the check. a. Debtor may make a consignation by depositing the amount due with any bank and in the name of Mr. Creditor. b. Mr. Debtor may make a consignation by depositing the amount due at the disposal of judicial authorities before whom the tender of payment shall be proved in a proper case. c. Mr. Debtor has no legal basis for making a consignation. d. The creditor may be considered in mora accipiendi