Onondaga Bureau of Medical Economics (OBME), a collection agency for physicians, sent the plaintiff, Seabrook, a letter demanding payment for a $198 physician’s bill. In addition to demanding payment,...

Onondaga Bureau of Medical Economics (OBME), a collection agency for physicians, sent the plaintiff, Seabrook, a letter demanding payment for a $198 physician’s bill. In addition to demanding payment, the letter stated that the bureau’s client could commence against Seabrook a legal action that could result in a garnishment of his wages. Does OBME’s letter violate the Fair Debt Collection Practices Act in that it (a) does not give Seabrook the required notice or (b) threatened legal action against him? Explain.