The statement that the assumption of direct financial responsibility for a debt does not need to be in writing to be enforceable, is False.
The financial responsibility of a debt can be taken over by someone else and in some cases, there will be no need to put this into writing for it to be enforceable.
In other cases however, the debt will need to be in writing. This case would be one such as when a person's assumes direct financial responsibility for a debt if they are doing it only if the other people might not be able to pay.
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