Scully owns a collection agency that has an established practice of contacting debtors at their place of work, telephoning the debtor's financial adviser about payment of the debt, and informing the debtor of further action that may be taken by the collection agency. Scully has:

a. not violated the Fair Debt Collection Practices Act.
b. violated the Fair Debt Collection Practices Act because it is illegal to contact the debtor's place of employment under any circumstance.
c. violated the Fair Debt Collection Practices Act because it is illegal to contact the debtor's financial advisor.
d. violated the Fair Debt Collection Practices Act because it is illegal to inform the debtor of future action to be taken by the collection agency.