(1) If the obligor has given his or her consent as mentioned in the preceding Article without reservation, he or she cannot set up against the assignee any defense that he could have set up against the assignor; provided, if the obligor has paid anything to the assignor for the discharge of his or her obligation, he or she may recover it, and if he or she had incurred a new obligation to him or her, he may treat it as if it had not been incurred.
(2) Where the assignor has merely given notice of the assignment, the obligor may set up against the assignee any defense which has arisen against the assignor prior to the receipt of the notice.