Mark borrows $1,000 from Quality Electronics to buy a new 4k TV. When Mark does not pay the loan or return the TV, Quality wants to transfers the right to the payment to Aggressive Collection Agency. Aggressive agrees to pay Quality for this right, but for a price that is less than the amount owed. Discuss whether Quality transferred this right to Aggressive without Mark's consent. If so, and Quality committed fraud in the deal with Mark, discuss whether Mark could legitimately refuse to pay Aggressive. Explain the basis for your response.