Answered: If the 'nillable' attribute is false in the schema, the 'xsi:nil' attribute must not be present in the instance

Hi usux

"If the 'nillable' attribute is false in the schema, the 'xsi:nil' attribute must not be present in the instance"
Yes. If the schema defines a field to be nillable:false it means that it must be defined.

DebtorName is not nillable/nullable. It must be defined.