Is the short message of creditor's rights transfer valid?

It is effective to notify the debtor by SMS when the creditor's rights are transferred, if it is notified to the debtor. When the creditor transfers its creditor's rights, it must notify the debtor. The notification methods include oral notification and written notification, as long as it is notified to the debtor.

legal ground

Article 545 of the Civil Code

A creditor may assign all or part of its creditor's rights to a third party, except in any of the following circumstances:

(a) according to the nature of the creditor's rights shall not be transferred;

(two) according to the agreement of the parties shall not be transferred;

(3) It shall not be transferred according to law.

If the parties agree that the non-monetary creditor's rights cannot be transferred, they may not confront a bona fide third party. If the parties agree that the creditor's rights are not transferable, they may not oppose a third party.

Article 546

If the creditor transfers the creditor's rights without notifying the debtor, the transfer shall not be effective for the debtor.

The notice of assignment of creditor's rights shall not be revoked, except with the consent of the transferee.

Article 547

Where the creditor assigns the creditor's right, the assignee obtains the subordinate rights related to the creditor's right, except that the subordinate rights belong exclusively to the creditor.

The transferee's acquisition of subordinate rights is not affected by the failure to go through the transfer registration formalities or transfer possession of subordinate rights.