In January 2020, John (18 years old) obtained a $500 line of credit (25% APR) at Nice Electronics, an electronics store. On March 30, 2020, John charged $400 on the credit card and failed to make any payments over the next year and a half. In September 2020, Nice Electronics sold John's debt to Green Debt, Inc., a debt collector. Since October 2020, Green Debt has continuously made calls to John's employer during business hours in an effort to collect the Nice Electronics debt, which due to interest and fees, is now $1,057.35. Question: Identify any protections that may be available to John and whether Green Debt has violated any laws. Remember - only focus on the assigned reading content for this week