According to Art. 80 – Art. 86 of the Obligations Act (National Gazette 35/05, 41/08, 125/11, 78/15, 29/18, hereinafter: “ZOO“), by entering into an assignment agreement, B2 Kapital has become the holder of due and unpaid claim towards you. As a new creditor, B2 Kapital took over the process of collecting that claim. According to the ZOO, you should be notified of the assignment of the claim after it has been taken over by the billing company, but your consent to the assignment is not required.