Which of the following acts by a third-party collector would be a violation of the FDCPA? a. calling the debtor at home at 8:30 AM to confirm the debt b. filing suit without first contacting the debtor c. referring the account to an attorney for a lawsuit d. sending the debtor a postcard that reads: "Don't let this bill affect your excellent credit rating"

The advantage of administering personality tests on employees is that it will allow the employer to know the mindset and personality of the employee. this will allow the employer to at least have an idea as to how the employee works and how his attitude in the workplace. the disadvantage is that it may make the employee a little anxious as to whether he would meet the personality requirements of the employer and whether he would be able to retain the job or not. 

Ithink that it’s c

Ithink that it would mean that they "go off," as in get extremely mad at, a person and tell them off, or tell them what is wrong in an extremely abrupt and angry way.