Unless the debt collector has express permission from the consumer or from a court, the law prohibits communication with a consumer under the following conditions EXCEPT:
A. At an unusual time or place, such as before 8:00 a.m. or after 9:00 p m., local time at the consumer’s location
B. When the debt collector knows that the consumer is represented by an attorney in connection with the debt and the attorney’s name and address are known (unless the attorney fails to respond within a reasonable period of time to communication from the debt collector)
C. At the consumer’s place of employment if the debt collector doesn’t know or has no reason to know that the employer forbids such communication
D. If the consumer has notified the collector in writing and asked that the collector ceases all further contact. The debt collector may, in such circumstances, notify the debtor of any special remedies available to it, notify the debtor that collection efforts are being terminated, or notify the borrower that the creditor is invoking a specific remedy.
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