Olivia buys an all-terrain-vehicle (ATV) from Fun Times, Inc., on credit but makes no payments on the account. Eric, the owner of Fun Times, calls Olivia at home on a Monday morning at three a.m. Eric represents himself as PayNow Collection Agency and demands payment “or else.” The next day, Eric sends Olivia notice that she has thirty days in which to request verification of the debt and that its payment will be suspended during that time, but that if he does not pay the full amount due within five business days, Eric will arrange for the “destruction of Olivia’s good credit rating.”

Which laws has Eric violated, if any, and in what ways? Explain thoroughly.