In Chnvay v National Action Financial Services, where Chuway received a letter from debt collector National that requested payment of the amount she owed on a debt, the appeals court held that the debt collector used:

inaccurate terms about the balance due, and so violated the FDCPA

language that was a bit technical, but the meaning was clear to a reasonable person, so there was no violation of the FDCPA

none of the other choices

abusive language in the letter, and so violated the FDCPA

technical terms that an ordinary consumer could not understand, a violation of the FDCPA