Which answer choice below describes actions prohibited by the Fair Debt Collection Practices Act of 1977?

	a.	merchant-creditor calls the debtor at the debtor's workplace
	b.	a third party collection agency poses as a law firm to scare debtor into paying the debt or get sued
	c.	a third party collection agency talks with debtor's neighbors in an attempt to locate the debtor, but not saying the issue concerns a debt.
	d.	a merchant-creditor telephones the debtor at an unreasonable hour (5:00am), demanding payment