J borrowed P75,000 from A by using the latter's credit card (to be paid on installment basis) to pay for the former's emergency hospitalization. J promised that he will pay the monthly charge every month every time the bill arrives. Not long after, J severally used A's credit card details without him knowing to shop online in various occasions. J accumulated a debt of P100,000.00 in total. However, he did not pay a single monthly amortization. When A knew, he confronted J of his incapability to pay his obligations. J went into hiding and eventually flew to Germany. J's debt accrued interest amounting to P50,000 making his total debt amount to P150,000. a. What is the nature of the thing that J has to deliver to A? b. Is J liable to A? If yes, for how much? c. What is/are the ground/s for his liability, if any? Why