Henry borrows money from Commerce Bank to purchase a house.However,he moves to another city to attend graduate school and sells the house to Maria.Henry wants to be released from his payment obligations to Commerce Bank.Which of the following would release Henry from his liability to Commerce Bank?

A) A delegation of the payment obligation by Henry to Maria will release Henry from liability.
B) The sale of the house by Henry to Maria involuntarily releases his payment obligation.
C) A delegation of the payment obligation to Maria along with a written notice to Commerce Bank can release Henry from the liability.
D) A novation in which Commerce Bank agrees to substitute Maria for Henry will release Henry.

A novation is an agreement between the original debtor (Henry) and the creditor (Commerce Bank) to substitute a new debtor (Maria) for the original debtor, with the creditor agreeing to release the original debtor from any further payment obligations. This would be the best option for Henry to be released from his liability to Commerce Bank. Option A is incorrect because a delegation only transfers the right to perform the obligation, but Henry is still liable to Commerce Bank. Option B is incorrect because the sale of the house does not automatically release Henry from his payment obligation. Option C is incorrect because a written notice alone would not release Henry from his liability, but a novation in which Commerce Bank agrees to substitute Maria for Henry would release Henry.