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Tad, who does not have health insurance, obtains medical treatment at Urgent Care Clinic, but does not pay for it. To collect the debt, the

Tad, who does not have health insurance, obtains medical treatment at Urgent Care Clinic, but does not pay for it. To collect the debt, the clinic contacts Tads parents. This violates

a. the Fair and Accurate Credit Transactions Act.

b. no federal law.

c. the Truth-in-Lending Act.

d. the Fair Debt Collection Practices Act.

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