A week after Robin sells the debt to Speedy, Titan's Inc,'s accountants internal audit. They discover that many debts from former employees to the company, from participating in the company's Home Down Payment Borrowing Program, had never been collected. Among these debts are $5,000 from Robin and also $5,000 from Speedy. When Titans, Inc. gets Speedy's letter, they ignore it, believing they are now even with Robin and Speedy.

When he does not hear back from Titans, Inc., Speedy sues them for the $10,000 debt to Robin.

In the lawsuit between Speedy and Titan's Inc., who should win and who should collect what?