15 U.S.C. § 1692c : US Code - Section 1692C: Communication in connection with debt collection

Search 15 U.S.C. § 1692c : US Code - Section 1692C: Communication in connection with debt collection

    (a) Communication with the consumer generally
      Without the prior consent of the consumer given directly to the
    debt collector or the express permission of a court of competent
    jurisdiction, a debt collector may not communicate with a consumer
    in connection with the collection of any debt - 
        (1) at any unusual time or place or a time or place known or
      which should be known to be inconvenient to the consumer. In the
      absence of knowledge of circumstances to the contrary, a debt
      collector shall assume that the convenient time for communicating
      with a consumer is after 8 o'clock antemeridian and before 9
      o'clock postmeridian, local time at the consumer's location;
        (2) if the debt collector knows the consumer is represented by
      an attorney with respect to such debt and has knowledge of, or
      can readily ascertain, such attorney's name and address, unless
      the attorney fails to respond within a reasonable period of time
      to a communication from the debt collector or unless the attorney
      consents to direct communication with the consumer; or
        (3) at the consumer's place of employment if the debt collector
      knows or has reason to know that the consumer's employer
      prohibits the consumer from receiving such communication.
    (b) Communication with third parties
      Except as provided in section 1692b of this title, without the
    prior consent of the consumer given directly to the debt collector,
    or the express permission of a court of competent jurisdiction, or
    as reasonably necessary to effectuate a postjudgment judicial
    remedy, a debt collector may not communicate, in connection with
    the collection of any debt, with any person other than the
    consumer, his attorney, a consumer reporting agency if otherwise
    permitted by law, the creditor, the attorney of the creditor, or
    the attorney of the debt collector.
    (c) Ceasing communication
      If a consumer notifies a debt collector in writing that the
    consumer refuses to pay a debt or that the consumer wishes the debt
    collector to cease further communication with the consumer, the
    debt collector shall not communicate further with the consumer with
    respect to such debt, except - 
        (1) to advise the consumer that the debt collector's further
      efforts are being terminated;
        (2) to notify the consumer that the debt collector or creditor
      may invoke specified remedies which are ordinarily invoked by
      such debt collector or creditor; or
        (3) where applicable, to notify the consumer that the debt
      collector or creditor intends to invoke a specified remedy.

    If such notice from the consumer is made by mail, notification
    shall be complete upon receipt.
    (d) "Consumer" defined
      For the purpose of this section, the term "consumer" includes the
    consumer's spouse, parent (if the consumer is a minor), guardian,
    executor, or administrator.