The Fair Debt Collection Practices Act (FDCPA) allows a debt collector to contact a debtor at work in which of the following scenarios? Multiple Choice The debt collector may contact a debtor at work if the debtor is a full-time employee. O The debt collector may contact a debtor at work if the debtor's employer accepts. O O The debt collector may contact a debtor at work if the debtor is divorced. O The debt collector may contact a debtor at work during non-business hours only! Deceptive advertising has three elements: 1) a material misrepresentation, omission, or practice that is 2) likely to mislead a 3) Multiple Choice O sophisticated buyer O reasonable consumer O casual lender O practical shopper Jack found out that his American Express credit card was stolen. He immediately called the company and informed it about the loss. However, the thief had made unauthorized purchases worth $250 by then on Jack's account. Per the Truth in Lending Act, what is Jack's liability, If any? Multiple Choice C) Jack's liability for those charges cannot exceed $50. Jack's liability will be worth 50 percent of the unauthorized purchases made through his stolen card. O o Jack's is liable for 100 percent of the unauthorized charges. Jack cannot be held liable for any charges on the card. O