Milo Buys an All-Terrain-Vehicle (ATV)from No-Limit Toys,Inc

Essay

Milo buys an all-terrain-vehicle (ATV)from No-Limit Toys,Inc.,on credit but makes no payments on the account.Odell,the owner of No-Limit Toys,calls Milo at home on a Monday morning at three a.m.Odell represents himself as PayNow Collection Agency and demands payment "or else." The next day,Odell sends Milo notice that he has thirty days to request verification of the debt,during which its payment will be suspended,but that if he does not pay the full amount due within five business days,Odell will arrange for the "destruction of Milo's good credit rating." Which laws has Odell violated,if any,and in what ways?