Sekelow Enterprises Is a Debt Collection Agency

Multiple Choice

Sekelow Enterprises is a debt collection agency.It uses postcards to contact consumer debtors it is attempting to collect from for its clients.The name "Sekelow Enterprises" and the company address appear on the postcards used along with: "VERY IMPORTANT: PLEASE CONTACT US ABOUT YOUR DILLARD'S DEBT."

A) Sekelow has violated the Fair Debt Collections Practices Act.
B) Sekelow has not violated the Fair Debt Collections Practices Act if it follows up with a phone call and verification of debt.
C) Sekelow cannot collect the debt without registering as a credit repair organization.
D) both a and c