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Question 148

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:

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

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)

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

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.

Correct Answer: C

The law generally prohibits communication with a consumer under several conditions, such as at an unusual time or place, when the consumer is represented by an attorney, or when the consumer has asked in writing for the collector to cease contact. However, communication at the consumer's place of employment is only prohibited if the debt collector knows or has reason to know that the employer forbids such communication. Therefore, option C is the exception here since the communication is not expressly prohibited by the law unless the debt collector is aware that the employer forbids it.

Discussion

Cam22Option: C

However, communicating with a consumer at their place of employment is not prohibited unless the debt collector knows or has reason to know that the employer prohibits such communication (C). Therefore, option C is the correct answer because it is the condition under which communication is not expressly prohibited by the law, except if the debt collector knows or has reason to know that such communication is forbidden by the employer.