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Emily missed a few payments on her credit card while she was out of work. Now she has a debt collector calling her, sometimes up

Emily missed a few payments on her credit card while she was out of work. Now she has a debt collector calling her, sometimes up to

20

times a day. Which act is the debt collector violating?

Fair Debt Collection Practices Act

Fair Credit Billing Act

The Credit Card Accountability, Responsibility, and Disclosure Act

Equal Credit Opportunity Act

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