Lucy Uses Her Credit Card to Make Purchases for Her

Lucy uses her credit card to make purchases for her new house.She bills a sum of $2,000 and repays $1,200 within a month.However,she is not able to repay the remaining $800 for about a year.The debt collection partner of her bank repeatedly calls her during odd hours and threatens to seize her property if she fails to repay the outstanding amount along with an unreasonable late fee in a week's time.In the context of the federal Fair Debt Collection Practices Act (FDCPA) ,which of the following statements holds true in this scenario?

A) The act extends only to creditors who are themselves trying to recover money owed to them.
B) Lucy is not protected under the act unless the debt collection agency uses physical force on her.
C) Lucy is protected under the act as it prohibits creditors from making contact with a debtor during inconvenient hours.
D) The act allows debt collection agencies to employ any tactic to recover the outstanding debt from a consumer.