Please answer those two questions:

Jim is in big trouble. He just graduated from business school and started a dot.com. Jim needed the finest clothes to impress the East Coast money establishment so he ran up a huge bill on his store credit card at a large department store. Jim's company was all set to launch his service where customers e-mail Jim when they need their driveway shoveled. His site, shovelyourwalkmister.com, wasn't a big hit and venture capitalists won't even log on to his site, much less return his calls. To make matters worse, the department store is trying to collect on its account and had been calling him at all hours of the night, following him around to social events, and even telling business associates (mostly kids hired to shovel driveways) that Jim is a deadbeat. Can Jim use the Fair Debt Collections Practices Act (FDCPA) to protect himself from the department store a) No, the FDCPA only protects consumers who have declared bankruptcy b) Yes, the FDCPA limits abusive practices such as those used by the department store. c) No, the FDCPA only applies to third party collection agencies. d) Yes, but only if Jim has asked the department store to stop its abusive collection practices. A door-to-door computer salesman, Franz, recently visited Gary Gullible in his house. Franz was selling a model named the Komputer, manufactured by a German computer company. Franz tolod Gary that the computer was made in Germany but used standard American parts. He assured Gary that the Komputer would be perfect for his kids to use to write reports and do school work. The Komputer came installed with standard software that the user could not modify. Franz told Gary there was no refund and all purchases were final. Gary bought the Komputer for $399.99 Everything was fine until the next day when Gary turned on the Komputer and opened the word processing program. The program used a German dictionary, such that the spelling and grammar checkers were useless. Is there anything Gary can do? a) No, Gary gave up any rights he had when he purchased the Komputer knowing there was no refund. b) No, because the word processing program is presumably only one program among many, and the rest of the computer would have to be defective to allow a refund. c) Yes, but only if Gary can show that Franz told him that the word processing program used an English dictionary d) Yes, the FTC's Cooling-off Rule requires the seller to give consumers three days to cancel the sale