Which of the following refers to two or more participating companies joining forces to create a separate legal entity to facilitate doing business in the international arena?

Community Theater Group, Inc. (CTG), a nonprofit organization, owes Stage Sound and Lighting (SSL) for services rendered two years ago. Ephraim, the owner of SSL, calls the treasurer of CTG at home once a week, at four A.M. When he calls, he states that he is working for a collection agency and asks when payment will be made. SSL's owner is in

a. violation of the Fair Credit Reporting Act. b. violation of the Fair Debt Collection Practices Act. c. compliance with the Federal Debt Collection Practices Act. d. compliance with the TILA.

A terminated employee that has exercised the conversion privilege is able to convert

A) only after providing evidence of insurability B) without paying for the premiums C) permanent insurance into term insurance D) term insurance into permanent insurance