Georgia has a rare car worth $\$ 150,000$. She also owns a contracting business. Her business has a loan agreement with High Rate Bank. The terms of the loan are such that High Rate can demand full payment of the loan at any time. Georgia has made the same monthly payment for six years. During year 7, the CEO of High Rate Bank finds out about the rare car owned by Georgia. The CEO demands full payment of the loan. When Georgia says she cannot pay the full balance, the CEO says he will accept her car as a fee for not enforcing the loan contract against her. He also agrees to continue to allow Georgia to make the same monthly payment. Georgia agrees but then changes her mind. What defenses might she raise?