Laura Walsh owed $560 to a local department store. The debt was assigned to a collection agency. The agency did the following: (a) used a postcard to contact Laura and summarize her debt, (b) called her at 7 AM to catch her before she left for work, (c) called her in spite of Laura's requests to stop, (d) contacted her employer about the debt, (e) contacted her at the hospital as she visited her ill mother. Are any of the actions improper?