Panther Furniture Limited is running a "Buy Now, Pay Next Year" sale. Isabelle goes in and buys office furniture for the new business that she is setting up. She signs a conditional sales contract that stipulates that payment is due in 15 months on April 1. Panther Furniture assigns the conditional sales contract to Lucky Chance Financing Agency. On the specified date, Isabelle does not pay and Lucky Chance wants to repossess the office furniture and sue for any deficiency if they sell the furniture.

What is the main legal issue?

Can Lucky Chance proceed without a court order? Explain.