Marvin places his telephone number on the national do-not-call list. After six months, Marvin is still receiving telemarketing calls. Particularly annoying to Marvin are the robocalls- those autodialed, prerecorded commercial telemarketing messages! Marvin hates telemarketing calls anyway, and if a live person cannot take the time to actually place the call, Marvin sure has no use for them. Marvin files a complaint with the Federal Trade Commission (FTC) about the robocalls. Marvin could also sue the companies that placed the calls. If Marvin chooses to sue the companies that placed the calls: Marvin could recover $1,500 for the first call and $500 for each call after that. Marvin would receive no monetary compensation, but the calls would stop. Marvin could recover from $500 to $1,500 per call. nothing: sole authority for dealing with companies who make robocalls is with the FTC. Estes is behind on his credit card payments. Veronica works in the collection department of the credit card company that provides Estes with his credit cards. Veronica is working on Estes' file and is trying to come up with a plan to get Estes' accounts paid up to date. Veronica calls Estes every few days but has trouble getting in contact with Estes. Veronica does a little investigating and discovers that Estes leaves for work at 7:30 a.m. Therefore, Veronica decides to start placing her telephone calls to Estes at 7:00 a.m. Veronica calling Estes at 7:00 a.m. to attempt to collect a debt: would violate the Fair Debt Collection Practices Act. would not violate the Fair Debt Collection Practices Act. is an allowable practice because creditors have unlimited rights to contact debtors in an attempt to collect a valid debt. Owould violate the Fair Credit Reporting Act.