Marvin buys an SUV from Seattle Used Cars, LLC on credit. However, Marvin loses his job at Starbucks because of COVID-19 layoffs by Starbucks. Marvin has made no payments on this SUV purchase to Seattle Used Cars. Oscar, the owner of Seattle Used Cars, calls Marvin at his home phone number on a Thursday morning at two a.m. Oscar represents himself as Full Force Collection Agency and demands payment or else. Two days later, Oscar sends a text message to Marvin that he has thirty days in which to request verification of the debt and that its payment will be suspended during that time, but that if he does not pay the full amount due within seven business days, Oscar will arrange for the destruction of Marvins good credit rating. Which laws have Oscar violated, if any, and in what ways? 5 points for the first post. 5 points for the reply post. You must fully explain your answer and provide an example to receive all the possible points.