16. Which of the : following tactics are collectors likely to use? a. lying b . harassment c. being friendly d. all of the above

## Step 1<br />This problem is about understanding the tactics that collectors, who are individuals or companies that collect debts on behalf of others, might use. The options provided are lying, harassment, being friendly, and all of the above.<br /><br />## Step 2<br />Collectors may use a variety of tactics to convince debtors to pay their debts. This can include lying about the amount owed, harassing the debtor, or even being friendly to make the debtor more comfortable and thus more likely to pay.<br /><br />## Step 3<br />Given the nature of the tactics collectors might use, it is reasonable to conclude that they could use all of the above tactics. Therefore, the correct answer is 'd. all of the above'.