Mike took out a loan at the United Bank and Trust and was unable to keep up the payments. The bank sent collection letters to Mike over a six-month period and then turned the action over to a collection agency. The collection agency called Mike at 7:30 every morning for two weeks to demand payment. Calls were also made to Mike’s employer and to his neighbor inquiring about Mike’s ability to pay. Do you believe the action to be legal? Ethical? Explain. Discuss this case with a partner and send your response by e-mail to your teacher.