Kip opens an account at a Lotsa Goodies Store, and buys a digital music player and other items, but makes no payments on the account. To collect the debt, Mako, the manager, contacts Kip's parents. This violates


a. no federal law.

b. the Fair and Accurate Credit Transactions Act.

c. the Fair Debt Collection Practices Act.

d. the Truth-in-Lending Act