Reed buys an all-terrain-vehicle (ATV) from Adrenaline Rides, Inc., on credit but makes no payments on the account. Eli, the owner of Adrenaline Rides, calls Reed at home on a Monday morning at three a.m. Eli represents himself as Pay-Up Collection Agency and demands payment "or else." The next day, Eli sends Reed notice that he 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, Eli will arrange for the "destruction of Reed's good credit rating."

Which laws has Eli violated, if any, and in what ways? Explain your answer thoroughly.