Jacob borrowed money from Marley but refused to repay the loan. Marley knew that Jacob worked late, so he called Jacob at 3 a.m., disguised his voice, and told Jacob he was an attorney collecting the loan for Marley. He threatened Jacob that he would be filing a lawsuit at the end of the week if the loan was not repaid. Marley had no intent to sue Jacob. Marley:

Select one:

a. violated the Fair Debt Collection Practices Act because he misrepresenting himself as a debt collectorb. violated the Fair Credit Reporting Act because he misrepresented himself as a credit companyc. did not violate the Fair Debt Collection Practice Act because he was collecting his own debtd. violated the Telephone Consumer Protection Act because he called at 3 a.m.