Question

Finley buys a $10,000 e-bicycle from Spoke House, Inc., on credit but makes no payments on the account. Ruby, the owner of Spoke House, calls Finley at home on a Monday morning at three a.m. On the phone, Ruby represents herself as IOU Collection Agency and demands payment “or else.” The next day, Ruby sends Finley notice that she has thirty days in which to request verification of the debt and that if she makes such request, her payments due will be suspended during that time, but that if he does not pay the full amount due within five business days, Ruby will arrange for the “destruction of Finley’s good credit rating.”

Which laws has Ruby violated, if any, and in what ways? If she has not violated any laws, explain why.

Answer 1

Firstly Ruby calls up Finley at 3am which is totally unethical from her side. Its true that Finley owes money to Ruby's company but that does not give her any right to call up someone in the middle of the night and demand for payment. There are certain ethics that has to be followed by anyone and everyone. Each individual has their own right and never can be called upon in the middle of the night which is a tike of relaxation for one and all. So that was very unethical from Ruby's side.

The next issue that we can see here is that Finley is being Intimidated by Ruby as her last dialogue " destruction of Finleys good credit rating" is a clear cut example of a threat or intimidation from Ruby's side. That was also wromg from her side as she shouldn't have done that. These are things that should have been talked maybe in person or after a while and this is definitely not the style to convey the news that their credit rating would be re thought about.

These are some violation of laws that I could see in the given case.

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