The Assignment is a contract governed by the Articles. 1260 et seq. Civil Code allows a creditor to surrender his right to a third party who may collect the claim by the debtor of the first.
This particular contract is the transfer of credit rights of a creditor to a third person, or the assignee, the debtor, or sold.
The effects of the credit transfer agreement involving the transfer to the assignee the same rights he had against the debtor. The provisions
codicistico, art. 1260, provides that a creditor has the option to relinquish its claim to a third person, who becomes in turn the main creditor of the debtor, the credit transfer can take place free of charge or for consideration, even without the consent of the debtor , provided the credit to be transferred is not strictly personal or that the transfer is not expressly prohibited by law, such as in the case of parents who can not see credit assignments of their children, or in the case of so-called food credits, which can never be sold.
The same article also has a creditor and the debtor may decide to exclude the transferability of credit, but if in spite of la pattuizione il credito viene ceduto, tale pattuizione non può essere opposta al cessionario, ovvero colui al quale il credito viene ceduto, se non si dà prova che egli ne era a conoscenza al momento della cessione.
La legge non richiede una particolare forma per il contratto di cessione del credito: questo, infatti, si perfeziona attraverso il consenso del cedente e del cessionario, senza necessità del consenso del debitore ceduto.
Il motivo per cui la legge non richiede il consenso del debitore ceduto per il perfezionamento del contratto di cessione del credito deriva dal fatto che per tale soggetto nulla cambia nell'adempimento della propria obbligazione al creditore originario piuttosto che ad una terza persona.
Il consenso del cessionario , however, is required, because it may be relevant that a debtor is a person rather than another, because a person may be more or less solvent to another, undermining the rights of the transferee. The provisions
codicistico then art. 1264, states that, for the effectiveness of the supply of credit is required, in addition to the consent of the transferor and transferee, the acceptance of the debtor or the notification of the transfer of credit to the same.
In other words, the defendant must know with certainty who pay to get rid of debt: indeed, if he shall pay the original creditor after it was notified of the sale, the law does not feel free by debt and, therefore, will be forced to pay back the creditor assignee.
Finally, assuming the contract of assignment of claims for consideration, a creditor who transfers its claim must justify their very existence, it is not, however, required to ensure the fulfillment of the debtor, unless it decides (grant recourse).
Attorney Alessandra Mass
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