7. Perry hired the Creditor's Collection Agency to collect overdue accounts. Perry informed the agency that Terry owed $500 for merchandise received. In fact, Terry owed only $400. However, the agency collected the entire $500 (because Terry was also mistaken about the amount owed), which it then paid to Perry. Later, Terry discovered the overpayment. a. Perry has to repay Terry the overpayment. b. Creditor's Collection Agency has to repay Terry the overDavment