Final answer:
Payments made by a debtor to the original creditor are typically considered valid if the debtor is unaware of the credit assignment. After the debtor is informed of the assignment, they must pay the assignee directly to fulfill their obligations.
Step-by-step explanation:
The effect of a payment by a debtor to an original creditor who has assigned their credit can vary depending on the debtor's knowledge of the credit assignment. If the debtor makes a payment without knowledge of the assignment, in many jurisdictions the payment to the original creditor is typically considered valid, and it discharges the debtor's obligation up to the amount paid. However, once the debtor has been notified of the assignment, any subsequent payments to the original creditor will not discharge the debtor's obligation to the assignee. After notification, the debtor must make payments directly to the assignee to discharge their debt.