Janice borrows $4,000 from Best Buy Auto Sales to buy a car. When Janice does not pay the loan or return the car, Best Buy wants to transfers the right to the payment to Speedy Collection Agency. Speedy agrees to pay Best Buy for this right, but for a price that is less than the amount owed. Can Best Buy transfer this right to Speedy without Janices consent? If so, and Best Buy committed fraud in the deal with Janice, could Janice legitimately refuse to pay Speedy? Explain.