1.) Dr.a dentist who runs her own practice in Newark, NJ, has 5 patients that owe her several large overdue bills for their cleaning visits. Typically, she lets her billing department handle unpaid bills, but she has grown impatient as the growing number of unpaid bills has begun to cause financial strain on her business. Upon reaching her wit's end after yet another billing cycle of nonpayment, Dr. Pearly called each patient and left the following message on their answering machines: Im going to hunt you down and rip your teeth out one by one if you dont pay me by the end of the week! Do the patients have a cause of action against Dr. Pearly under the Fair Debt Collection Practices Act? Explain.

2.) Mr. and Mrs. Smith, two prominent businesspeople and long-standing clients at your law firm, come into your office on Monday morning enraged. Over the weekend, their neighbor Mr. Danz's rabid chihuahua got loose, ran into their yard, and attacked their young daughter, leaving her in need of stitches. This dog has been terrorizing the neighborhood for months nowbut this is the last straw and Mr. and Mrs. Smith want to sue Mr. Danz for damages. Upon your research into Mr. Danz, you come to find out he has filed for bankruptcy this very same day. Can you proceed with the Smith's request to file a lawsuit? Explain.