Article 1293

RA 386 · Civil Code of the Philippines

ELI5— what this means for you

You can replace the original debtor with a new one — even without the old debtor's knowledge or consent — but only with the creditor's agreement; once the new debtor pays, they gain the same rights the old debtor would have had.

Official text — RA 386

Novation which consists in substituting a new debtor in the place of the original one, may be made even without the knowledge or against the will of the latter, but not without the consent of the creditor. Payment by the new debtor gives him the rights mentioned in articles 1236 and 1237. (1205a)

Source: lawphil.net (RA 386 as amended)

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