    function createDebtAndCreditPositions(
        ...
    ) external returns (CreditPosition memory creditPosition) {
        DebtPosition memory debtPosition =
            DebtPosition({borrower: borrower, futureValue: futureValue, dueDate: dueDate, liquidityIndexAtRepayment: 0});

        uint256 debtPositionId = state.data.nextDebtPositionId++;
        state.data.debtPositions[debtPositionId] = debtPosition;

        emit Events.CreateDebtPosition(debtPositionId, borrower, lender, futureValue, dueDate);

        creditPosition = CreditPosition({
            lender: lender,
            credit: debtPosition.futureValue,
            debtPositionId: debtPositionId,
>>          forSale: true
        });
        CreditPosition memory creditPositionToCompensate;
        if (params.creditPositionToCompensateId == RESERVED_ID) {
>>          creditPositionToCompensate = state.createDebtAndCreditPositions({  // @audit create new credit with `forSale == true`
                lender: msg.sender,
                borrower: msg.sender,
                futureValue: amountToCompensate,
                dueDate: debtPositionToRepay.dueDate
            });
        } else {
            creditPositionToCompensate = state.getCreditPosition(params.creditPositionToCompensateId);
            amountToCompensate = Math.min(amountToCompensate, creditPositionToCompensate.credit);
        }

        // debt and credit reduction
        state.reduceDebtAndCredit(
            creditPositionWithDebtToRepay.debtPositionId, params.creditPositionWithDebtToRepayId, amountToCompensate
        );

        uint256 exiterCreditRemaining = creditPositionToCompensate.credit - amountToCompensate;

        // credit emission
>>      state.createCreditPosition({
            exitCreditPositionId: params.creditPositionToCompensateId == RESERVED_ID  // @audit give it to the lender instead of the existing position with `forSale == false`
                ? state.data.nextCreditPositionId - 1
                : params.creditPositionToCompensateId,
            lender: creditPositionWithDebtToRepay.lender,
            credit: amountToCompensate
        });
            borrower = creditPosition.lender;
            tenor = debtPosition.dueDate - block.timestamp; // positive since the credit position is transferrable, so the loan must be ACTIVE
        }

        BorrowOffer memory borrowOffer = state.data.users[borrower].borrowOffer;
