Finley buys a $10,000 e-bicycle from Spoke House, Inc., on credit but makes no payments on the account. Ruby, the owner of Spoke House, calls Finley at home on a Monday morning at three a.m. On the phone, Ruby represents herself as IOU Collection Agency and demands payment “or else.” The next day, Ruby sends Finley notice that she has thirty days in which to request verification of the debt and that if she makes such request, her payments due will be suspended during that time, but that if he does not pay the full amount due within five business days, Ruby will arrange for the “destruction of Finley’s good credit rating.”

Which laws has Ruby violated, if any, and in what ways? If she has not violated any laws, explain why.