Pam borrows $5,000 from Quality Auto Sales to buy a car. When Pam does not pay the loan or return the car, Quality wants to transfers the right to the payment to Rapid Collection Agency. Rapid 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 Rapid without Pam’s consent. If so, and Quality committed fraud in the deal with Pam, discuss whether Pam could legitimately refuse to pay Rapid. Explain the basis for your response.