13. Passed in 1977 to protect you from unfair collectors. a. WDIC b FHA c. FFDCPA d FECRA

The correct answer is c. FFDCPA.

The Fair Debt Collection Practices Act (FFDCPA) was passed in 1977 to protect consumers from unfair, abusive, and deceptive practices by debt collectors. It establishes guidelines for debt collection practices and provides consumers with certain rights and protections.