Thus, John, Sue and George can agree that John George will pay the $100 instead of participating in the payments without including Sue in the transaction. As such, John and George could enter into their own agreement, i.e. John could offer George a gift card worth $100 that George could accept as a means of payment. In real estate law, Novation occurs when a tenant signs a lease to another party who assumes both responsibility for the rent and liability for consequential damage to the property, as stated in the original rental agreement. Novation is also often considered in the construction industry when contractors transfer certain jobs to other contractors, as long as customers agree to such a measure. In this scheme, Mr Y is the assignor, Mr Z is the assignee and Ms Y is the debtor above. In most novation scenarios, one of the two initial parts is completely replaced by a whole new part, with the original part willingly agreeing to waive all rights originally granted to them. . . .