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* D (debtor) borrowed P10,000 from C (creditor). On the due date of the loan, D could not pay C because he lost to a

* D (debtor) borrowed P10,000 from C (creditor). On the due date of the loan, D could not pay C because he lost to a robber the P10,000 intended for C. In addition, he suffered financial reverses, and he was short of cash even for his current family's needs. Is D legally justified to refuse to pay C?

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