Choice "D" is correct. The Fair Debt Collection Practices Act prohibits contacting the debtor directly if an attorney represents the debtor.
Choice "a" is incorrect because a collection agency can contact a third party to discover a debtor's whereabouts.
Choice "b" is incorrect because the Fair Debt Collection Practices Act is designed to curb abuses in the collection process. The Act is not designed to eliminate the debt.
Choice "c" is incorrect because all creditors have the right to sue debtors to collect debts.
