A creditor has two loans from a borrower, payable on different dates. Is joinder of these two loans in a single complaint mandatory?

• A. Yes, file a single complaint for both loans.
• B. No, joinder is permissive; there may be two separate complaints for two separate loans.
• C. No, you must file two separate complaints only if the loans have different interest rates.
• D. Yes, but only if the lender consents.

Answer: (B)