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Debts don’t just “linger”, sometimes they collapse, instantly, when the creditor and debtor become the same person (inheritance, assignment back, merger, consolidation). Most people track payments, not legal capacities—so they miss the moment the relationship quietly stops making sense. In civil-law terms, the obligation is extinguished when the roles unite: “When the qualities of obligee and obligor are united in the same person, the obligation is extinguished by confusion.” After a consultatio
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