Estes is behind on his credit card payments. Veronica works in the collection department of the credit card company that provides Estes with his credit cards. Veronica is working on Estes' file and is trying to come up with a plan to get Estes' accounts paid up to date. Veronica calls Estes every few days but has trouble getting in contact with Estes. Veronica does a little investigating and discovers that Estes leaves for work at 7:30 a.m. Therefore, Veronica decides to start placing her telephone calls to Estes at 7:00 a.m. Veronica calling Estes at 7:00 a.m. to attempt to collect a debt: would violate the Fair Debt Collection Practices Act. O would violate the Fair Credit Reporting Act. is an allowable practice because creditors have unlimited rights to contact debtors in an attempt to collect a valid debt. O would not violate the Fair Debt Collection Practices Act. Miran opens a new bar called the Rustic Cowboy, Evelyn lives in an apartment above the bar