Question: Which answer choice below describes actions prohibited by the Fair Debt Collection Practices Act of 1977? a. merchant-creditor calls the debtor at the debtor's workplace

Which answer choice below describes actions prohibited by the Fair Debt Collection Practices Act of 1977?

a. merchant-creditor calls the debtor at the debtor's workplace
b. a third party collection agency poses as a law firm to scare debtor into paying the debt or get sued
c. a third party collection agency talks with debtor's neighbors in an attempt to locate the debtor, but not saying the issue concerns a debt.
d. a merchant-creditor telephones the debtor at an unreasonable hour (5:00am), demanding payment

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