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:
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A. B. C. D.C
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the behavior of debt collectors and their communication with consumers. Under the FDCPA, there are several conditions under which a debt collector is prohibited from communicating with a consumer, unless the consumer has given express permission or a court has granted permission.
The question asks to identify the condition that is NOT prohibited by the FDCPA. Let's examine each answer choice:
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. This answer choice is prohibited by the FDCPA. A debt collector may not communicate with a consumer at an unusual time or place that is inconvenient or disruptive, 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). This answer choice is prohibited by the FDCPA, except in certain circumstances. If a debt collector knows that a consumer is represented by an attorney, the debt collector may not communicate directly with the consumer unless the attorney fails to respond to the debt collector within a reasonable period of time.
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. This answer choice is NOT prohibited by the FDCPA. A debt collector may communicate with a consumer at their place of employment, unless the debt collector knows or has reason to know that the consumer's employer prohibits such communication.
D. If the consumer has notified the collector in writing and asked that the collector cease 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. This answer choice is prohibited by the FDCPA. If a consumer notifies a debt collector in writing and asks that the debt collector cease all further contact, the debt collector may not communicate with the consumer except to notify them of certain specific actions, such as the creditor invoking a specific remedy.
In summary, the answer to the question is C. The FDCPA does not prohibit a debt collector from communicating with a consumer at their place of employment, unless the debt collector knows or has reason to know that the consumer's employer prohibits such communication.