A (debtor) is indebted to B (creditor) P300,000.00. X, a third party, offered to give B the P300,000.00, to which B agreed. B, however failed to disclose that there was a prior partial payment made by A in the amount of P100,000.00.

X paid B the entire amount of P300,000.00

1. What is the effect of the payment made by X in so far as the obligation of A to B is concerned?

2. Can X proceed against A and demand payment from the latter? If yes, how much can X collect from A? Explain your answer.

S (debtor) is indebted to T (creditor) in the amount of P50,000.00. S proposed to T that Y will be the one to pay the debt, making him (Y) as the new debtor. T agreed to the proposal. It turned out, however, that Y is insolvent so T was not able to collect the amount due from Y.

Can T enforce the obligation to S, given the insolvency of Y? Explain your answer.