Which scenario is not a violation of your rights as a debtor?
A. A debt collector calls you every hour between 8 a.m. and 3 p.m.
B. A debt collector contacts you at work at 3 p.m.
O C. A debt collector calls you at home at 10 p.m.
D. A debt collector calls you at home at 5:30 a.m.

Answers

Answer 1

A scenario that does not describe your rights being violated as a debtor is A. A debt collector calls you every hour between 8 a.m. and 3 p.m.

What are debt collectors allowed to do?

Debt collectors are allowed to call you during the daytime from 8 am to 3 pm.

They cannot however call you before 8 am or after 9 pm without your consent as these would be very inconvienient hours. Also, they can't call you at work.

In conclusion, option A is correct.

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Related Questions

How has tesla’s strategic position changed since it was founded in 2003

Answers

Tesla's strategic positioning has changed since 2003 from a pricey all-electric vehicle to a more inexpensive one to appeal to many customers.

What is strategic positioning?

Strategic positioning refers to the choices a company makes concerning the values it creates, including how that value will be created differently than its competitors.

Every strategic positioning aims to compare, differentiate, and segment the market and competitors' strategies.

Thus, Tesla's strategic position has changed drastically since it was founded in 2003 from being a pricey all-electric vehicle to selling more inexpensive vehicles that appeals to a wider customer range.

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If the supplier perceives a buyer-supplier relationship is in the desirable region on the purchaser-supplier satisfaction matrix, but there are problems, the supplier is most likely to:

Answers

If the supplier perceives a buyer-supplier relationship,but there are problems, the supplier is most likely to: share information to find a mutual solution.

What is a buyer supplier relationship?

This is a relationship that exists between the organizations or the customers that buy a product and the people that are known to supply the product.

This relationship is known to be good because it allows for feedback between the parties.

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enter information into accounting system means​

Answers

Answer:

Answer:

Explanation:

These are the sales, cash receipts, cash disbursements, and purchases journals.

proceduresintegratedproceduresintegratedAnswerAnAnswerAn accounting system is a set of accounting processes with integrated procedures and controls. The intent of an accounting system is to record business transactions, summarize those transactions into an aggregated form, and create reports that can be used by decision makers to monitor, analyze, and improve operations.AnswerAnAnswerAnswerAnswer:

Explanation:

what's the date today???​

Answers

Answer:

April 18th, 2022? (Is that what you mean???)

Explanation:

I hope this helps! :)

april 18th 2022 ( i have no idea if thats what you meant?)

Old town entertainment has two employees in year 1. clay earns $4,300 per month, and philip, the manager, earns $10,700 per month. neither is paid extra for working overtime. assume the social security tax rate is 6 percent on the first $110,000 of earnings and the medicare tax rate is 1.5 percent on all earnings. the federal income tax withholding is 15 percent of gross earnings for clay and 21 percent for philip. both clay and philip have been employed all year.

required:
a. calculate the net pay for both clay and philip for march.
b. calculate the net pay for both clay and philip for december.
c. is the net pay the same in march and december for both employees?

Answers

It is to be noted that:

the March Net Pay for Clay and Philip are $ 9,997.5 and $ 23,227.5 respectively;December Net Pay for both Clay and Philip are $39,990 and $ 92,910 respectively.

Is the net pay the same in March and December for both employees?

No. The net pay isn't the same in March and December for both employees.

What is Net Pay?

Net Pay refers to the balance of one's income after all deductibles have been removed.

Deductibles include:

Social Security TaxFederal Income TaxMedicare Tax etc.

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explain which government does not truly get to decide how to spend all the money in its budget

Answers

The government who has not received the approval of the budget from the legislators.

What is government spending?

Government spending includes expenses incurred by the government expenditure on consumption such as food, investment, and transfer payments.

It includes the federal, state, and local governments' expenses.

Therefore, The government who has not received the approval of the budget from the legislators.

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Kayla purchased a home in January, fixed it up, and then sold the property in May of the same year for a gain of $45,000. What type of capital gain is this

Answers

The fact that Kayla purchased a home in January, fixed it up, and then sold the property in May of the same year depicts a short term capital gain.

What is capital gain?

Capital gain simply means an increase in the value of an asset when it's sold.

Since she purchased a home in January, fixed it up, and then sold the property in May of the same year for a gain of $45,000, it's a short terms capital gain.

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Tips to study commerce

Answers

Answer:

just study commerce and ur good

Bramble Corp. reports operating expenses of $91,000, excluding depreciation expense of $15,200 for 2022. During the year, prepaid expenses decreased $7,300 and accrued expenses payable increased $4,500. Compute the cash payments for operating expenses in 2022.

Answers

The cash payments for Bramble Corp. reports operating expenses is  $79,200

What is operating expenses?

Operating expenses refers to the costs incurred by a business for its operational activities.

Cash payments for operating expenses is computed as :

= Operating expenses - Prepaid expenses decreased - Accrued expenses payable increased

= $91,000 - $7,300 - $4,500

= $79,200

Hence, the cash payments for Bramble Corp. reports operating expenses is  $79,200

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According to the Civil Rights Act and the Pregnancy Discrimination Act, employers should not prevent people from working in hazardous jobs because of reproductive concerns. Group of answer choices True False

Answers

Answer:

It's true!

Explanation:

...................

Because there is no provision for long-term care in the United States, ________ has become the de facto program financing nursing home residents when they have exhausted their savings. Group of answer choices Social Security Medicare Medicaid the Affordable Care Act

Answers

Medicaid has become the de facto program financing nursing home residents when they have exhausted their savings.

What is medicaid?

Medicaid can be defined as an health insurance coverage that help to cover the medical expenses of those people that earn low income or people that cannot afford medical care.

For a person to be quailfied or for a person to be a beneficiary of Medicaid such  individual must be resident of the state under which they receive medicaid.

Therefore Medicaid has become the de facto program financing nursing home residents when they have exhausted their savings.

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On January 1, Forward Company issues bonds that have a $27,000 par value, mature in 6 years, and pay 10% interest per year. Interest payments are paid to bondholders semiannually on June 30 and December 31. How much interest does Forward Company pay to bondholders every six months if the bonds are sold at par

Answers

The amount of interest that Forward Company pays to bondholders every six months if the bonds are sold at par is $1,350.

What is bond interest?

The bond interest is the finance expense that Forward Company, the issuer of the bonds, pays to bondholders periodically.

It is computed as the Face value multiplied by the interest rate multiplied by 1/2 if interest is paid semi-annually.

See detailed calculations below.

Data and Calculations:

Face or par value of bonds = $27,000

Interest rate = 10%

Maturity period = 6 yars

Interest payment = semiannually

Interest per semi-annual = $1,350 ($27,000 x 10% x 1/2)

Thus, the amount of interest that Forward Company pays to bondholders every six months if the bonds are sold at par is $1,350.

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The Trading Depot has $1,000 face value bonds outstanding with a market price of $980. The bonds pay interest annually, mature in 8 years, and have a yield to maturity of 7.339 percent. What is the current yield

Answers

Based on the face value of the bond and the market price as well as the yield to maturity, the current yield is 7.14%.

What is the current yield on this bond?

First find the coupon rate. You can do this by using a Spreadsheet and the PMT function.

Rate = 7.339%

Nper = 8 years

PV = -980

FV = 1,000

The coupon is $70 when rounded off. In percentage this is:

= 70 / 1,000 x 100%

= 7%

The current yield is found as:

= Coupon rate x Par value / Current price

= 7% x 1,000 / 980

= 7.14%

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The sum of the results produced by a team

Answers

True or false
In the case of a work team, individual efforts result in a level of performance greater than the sum of those individual inputs.
True

An upward shift in the consumption function, other things being equal, could be caused by households: a. becoming pessimistic about the state of the economy. b. becoming optimistic about the state of the economy. c. expecting future income and wealth to decline. d. experiencing a tax increase.

Answers

Sometimes, when there is an optimistism on an economy from the households, this could cause an upward shift in the consumption function,

What causes upward shift in the consumption function?

Where there is a significant positive returns in the stock market that can increase consumer wealth this could cause the autonomous consumption to increase.

Hence, if there is an optimistism from households, this could cause an upward shift in the consumption function as well.

Therefore, the Option B is correct.

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A supporter of free-market policies in the late twentieth century would have most likely explained that the policy argued for in the passage did not sufficiently.

Answers

A supporter of free-market policies would argue that the passage didn't liberalize the Chinese economy because only fourteen cities were opened for foreign investment and trade.

What is free market economy?

A free market is where the prices of goods and services are determined by the forces of demand and supply hence there's little government intervention.

Here, the prices for goods and services in a free market economy are self-regulated by buyers and sellers without any external interference.

Hence, a supporter of free-market policies would argue that the passage didn't liberalize the Chinese economy because only fourteen cities were opened for foreign investment and trade.

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During spring break, students have an elasticity of demand for a trip to Florida of -3, while senior citizens have an elasticity of demand for a trip to Florida of -6. What pricing insight does this give to the airline companies

Answers

The pricing insight it gives to the airline companies is to charge a lower price to the senior citizens because they have a relatively more elastic demand.

What is elastic demand?

Price elasticity of demand measures the responsiveness of quantity demanded to changes in price of the good.

If the absolute value of price elasticity is greater than one, it means demand is elastic. Elastic demand means that as prices increases, the quantity demanded decreases more than the percentage change in price.

Group of answer choices

Charge a lower price to the senior citizens because they have a relatively more elastic demand.

Charge a lower price to the students because they have a relatively more inelastic demand.

Charge a higher price to the senior citizens because they have a relatively more inelastic demand.

Charge a higher price to the students because they have a relatively more elastic demand.

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Before creating training and development programs, managers should perform a _______ to determine which employees require training or development and what type of skills or knowledge they should acquire.

Answers

Managers should perform a individual assessment to determine which employees require training.

What is Individual Assessment

Individual Assessment can be defined as a type of assesment carried out to acertain the level of experience and performance of an individual in a particula capacity.

It is worthy of note that this accessment is not total and final, other individual skills like leadership skills, people skills is very important.

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The Jones Company supports the Rock Hounds, a minor league baseball team in Midland, Texas, because the banner with the Jones Company logo avoids the difficulty of reaching audiences and differentiating Jones's products from competing brands through mass media. Which public relations strategy does the Jones Company use?

Answers

If  the banner with the Jones Company logo avoids the difficulty of reaching audiences. Jones company use Sponsorship.

What is Sponsorship public relation

Sponsorship public relation can be defined as the way in which a company sponsor an event so as to create awareness about their product or brand or to build product awareness.

Jones company uses sponsorship strategy in order to reach the large audience and to  create awareness so as to enables people to know the brand he represent or stand for.

Therefored Jones company use Sponsorship.

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To ensure efficient clear communication ics requires the use of:.

Answers

Answer:

ICS requires the use of common terminology, meaning standard titles for facilities and positions within the organization.

Explanation:

Which of the following is happening when a lending institution gains money from an individual's paycheck to cover outstanding debts?
A. Principal
B. Garnishment
C. APR
D. Harassment

Answers

The Garnishment is a disposal institution that obtains money from a person's paycheck to cover outstanding debts.

What is Garnishment?

Garnishment is a legal process that allows a plaintiff to collect a monetary judgment from a defendant.

Garnishment allows the plaintiff to take the money or property of the debtor from the person or entity who possesses it.

It is a financial system that moves money from a individual's paycheck to pay off obligations.

Therefore, option B is correct.

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Devon is very good with people. she works for a pharmaceutical company and often visits doctors to see if they will sell her product to their patients. in which career pathway is devon most likely involved? marketing communications professional sales and marketing distribution and logistics e-marketing

Answers

Marketing Communications is the utilization of many marketing channels and techniques in tandem.

What are the four kinds of marketing communication?

Advertising, public relations, sales promotions, and online media are the four methods of marketing communication.

Advertising, being the most potent commercial communication tool, provides a broad audience reach and a high frequency of information transmission.

Public relations is the second sort of marketing communication. In a more subtle way, public relations will aid in the creation of brand awareness among customers. This is what distinguishes public relations from advertising.

Discounts on sales promotions are the most popular sort of sales promotion. When you realize this, you may begin to consider how you may make the most of the circumstance.

Media on the Internet Many businesses use online media as a marketing communication tool. This might be accomplished by purchasing appealing advertisements and placing them in promising places such as online newspapers and magazines.

Thus Option A is the career pathway Devon is involved in.

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Answer:

Marketing Communication

Explanation:

Edge 2022

1. Being offered opportunities to prosper in your career.

A. Physiological

B. Esteem

C. Belongingness

D. Self- actualization

2. Gaining positive attention from your manager after a presentation.

A. Physiological

B. Esteem

C. Belongingness

D. Self- actualization

3. Having a salary that allows you to adequately feed your family.

A. Physiological

B. Esteem

C. Belongingness

D. Self- actualization

4. Alderfer combined the needs for gaining positive attention from your manager and having opportunities to prosper in a career into the categor of ________ needs.

A. Growth

B. Relatedness

C. Existence

Answers

1. Opportunities to prosper in a career matches a need for esteem.

2. Gaining positive attention from your manager after a presentation represents the need for esteem.

3. Having a salary that allows you to adequately feed your family corresponds to physiological needs.

4. The combination of the manager's needs to get positive attention and opportunities to thrive in a career is related to relationship needs.

What is Maslow's hierarchy of needs theory?

It is based on the belief that all human needs are arranged in a hierarchical relationship that, when achieved, is able to direct the satisfaction and motivation of individuals, defining the concept of Maslow's pyramid, whose human needs are defined as:

Physiological needsSecurity needSocial needsEsteem needsSelf-actualization needs

Therefore, the hierarchy of needs theory is a psychological theory widely used in human resource management to understand employee needs and motivation.

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Who makes it legally en forcable promises in a unilateral insurancew policy]

Answers

Answer:

Unilateral Contract — a contract in which only one party makes an enforceable promise. Most insurance policies are unilateral contracts in that only the insurer makes a legally enforceable promise to pay covered claims. By contrast, the insured makes few, if any, enforceable promises to the insurer.

Explanation:

What term best describes contractual agreements that restrict the use of land, ostensibly in order to preserve the value of adjacent land or a neighborhood

Answers

In law, a restrictive covenant is the arrangement that generally restricts use of land in order to preserve the value of adjacent land or a neighborhood.

What is a restrictive covenant?

In an agreement, a restrictive covenant is a kind of condition that confers a restriction, limits or prohibition on the actions of someone named in an enforceable agreement.

In conclusion, these covenant in law is such arrangement that restricts a use of land in order to preserve the value of adjacent land or a neighborhood.

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Tracy Lefteroff is the global managing partner for PricewaterhouseCoopers. She said that her company is eager to invest in newly created biotech companies because the U.S. has an aging population that will need new medications and treatments. What kind of equity capital would Lefteroff be likely to provide

Answers

The kind of equity capital that Tracy Lefteroff is likely to provide to invest in newly created biotech companies is venture capital.

What is venture capital?

Venture capital is a kind of private equity financing that risk-taking investors provide to startup companies because of their potential for long-term growth.

Venture capital can be differentiated from other equity capital that is provided for publicly listed or trading companies.

Thus, the kind of equity capital that Tracy Lefteroff is likely to provide to invest in newly created biotech companies is venture capital.

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A _____ identifies threats and opportunities in the external environment as well as organizational strengths and weaknesses .

Answers

A SWOT analysis identifies threats and opportunities in the external environment as well as organizational strengths and weaknesses .

What is a SWOT analysis?

This is a study that an organization or a corporation would engage in just so theyt can identify their strengths as well as their weaknesses.

This is a strategic planning and management strategy that organizations use.

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Grants are typically awarded based on

Answers

Answer:

Grants are awarded based on Demonstrated Financial Need. Demonstarted Financial Need is based on the cost to attend college as well as how much the family will contribute.

__________________________________________________________

Questions?

Ask in the comments box.

Give examples of customer service problems:​

Answers

Answer:

Examples of common customer service problems?

1] Long Wait on Hold

2] Unavailable or Out of Stock Product

3] Repeating the Customer's Problem

3] Uninterested Service Rep

5] Poor Product or Service

6] No First Call Resolution

7] Lack of Follow Up

8] New Product or Feature Request.

This are the examples

Correct me if I'm wrong,Hope this helps

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The level of difficulty a manufacturer experiences in getting retailers to purchase its products is determined by the degree to which the channel is:.

Answers

The difficulty level that a manufacturer experiences in getting retailers to purchase its products is determined by the degree to which the channel is vertically integrated.

What is vertical integration?

It should be noted that vertical integration simply means the process of acquiring business operations towards identical production.

In this case, the difficulty level that a manufacturer experiences in getting retailers to purchase its products is determined by the degree to which the channel is vertically integrated.

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