Sally uses her credit card to make purchases for her new house. she charges $3500 in one month and repays $2,500 of that amount within one month. she cannot, however, pay the remaining $1000 for about a year. the debt collection partner of her bank calls her repeatedly at all hours. the debt collection agency threatens to seize her property in one week if she fails to repay the outstanding amount along with an unreasonable late fee. in the context of the federal fair debt collection practices act (fdcpa), which of the following statements holds true in this scenario?
a. the credit card company may use the act to try to recover the money sally owes it.
b. the debt collection agency may contact sally’s employer and ask it to garnish her wages.
c. the debt collection agency may call sally repeatedly during work hours with the intent to harass.
d. the debt collection agency may contact sally’s employer to get her contact information.