A holder in due course has a right to collect from the original maker of an instrument even if the maker had a personal defense.

Question

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A holder in due course (HDC) is someone who acquires a negotiable instrument for value, in good faith, and without knowledge of any claims or defenses against it. When an HDC possesses an instrument, they have greater rights than the original holder or any intermediate holders. One of those rights is the ability to collect from the maker even if there are personal defenses (e.g. fraud, mistake, lack of consideration) that could have been asserted against the original holder. This is because an HDC takes the instrument free from most claims and defenses. However, there are some exceptions to this rule, such as claims based on forgery or illegality.

A Holder in Due Course Has a Right to Collect