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# The prozbul is even effective for oral loans.<ref>Ritva Macot 3b s.v. Uvemoser, Rama CM 67:19</ref> | # The prozbul is even effective for oral loans.<ref>Ritva Macot 3b s.v. Uvemoser, Rama CM 67:19</ref> | ||
# In order for prozbul to be effective the borrower has to own a piece of land.<ref>Mishna Sheviyit 10:6, Shulchan Aruch Choshen Mishpat 67:22</ref> | # In order for prozbul to be effective the borrower has to own a piece of land.<ref>Mishna Sheviyit 10:6, Shulchan Aruch Choshen Mishpat 67:22</ref> | ||
# One Pruzbul can be written for all loans <ref> Aruch HaShulchan CM 67:12 </ref> | |||
# A husband can include a wife in his Pruzbol even if she does not explicitly appoint him as a Shaliach. <ref> Rav Yosef Tzvi Rimon's Shemita Sefer in the name of Rav Shlomo Zalman Auerbach page 473 </ref> | |||
==Which Loans are Broken?== | ==Which Loans are Broken?== | ||
# A debt for unpaid purchases at a store isn't broken by the Shemittah, unless the debt was established as a loan.<ref>Shulchan Aruch Choshen Mishpat 67:14</ref> | # A debt for unpaid purchases at a store isn't broken by the Shemittah, unless the debt was established as a loan.<ref>Shulchan Aruch Choshen Mishpat 67:14</ref> |