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QT Collection Agency calls Rob several times a day, and in the middle of the night, about an overdue bill that Standard Credit Company turned

QT Collection Agency calls Rob several times a day, and in the middle of the night, about an overdue bill that Standard Credit Company turned over to QT for collection. This is a violation of
a. the Fair Debt Collection Practices Act.
b. no federal law.
c. the Truth-in-Lending Act.
d. the Fair and Accurate Credit Transactions Act.

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