Business Law Question Please explain in detail. Thank you

2. Josephine was an ailing 60-year old widow. A bill collector from Collections Accounts Terminal, Inc called her and demanded she pay $56 she owed to Cabrini hospital. She told him that Medicare was supposed to pay the bill. Shortly after, josephine received a letter from Collections that stated You have shown that you area unwilling to work out a friendly settlement with us to clear the above debt. Our eld investigator has now bee instructed to make an investigation in your neighborhood to personally call on your employer. The immediate payment of the full amount will spare you this embarrassment. Has Collections violated the law? Why or why not