§ 1692c. Communication in connection with debt collection

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(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.

(Pub. L. 90–321, title VIII, § 805, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 876.)

Connections120 cite this · traces to 2

Cited by 120 sections · top 45

CFR

IRM

IRM 5.1.12
Cases Requiring Special Handling

statute-compilations

Sec. 805
Communication in connection with debt collection

statutes-at-large

Public Law 95–109
To amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors

bill

Traces to 2 documents

U.S. Code

4 references not yet in our index

Pub. L. 90–321, title VIII, § 805
Pub. L. 95–109
91 Stat. 876
section 819 of Pub. L. 90–321

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cites case law

§ 1692c

Communication in connection with debt collection

Fed. Reg.×90

Bills×24

C.F.R.×3

IRM×1

Stat. Comp.×1

Stat.×1

U.S.C.§ 1692b

U.S.C.§ 1692

Pub. L.Pub. L. 90–321, title VIII, § 805

Pub. L.Pub. L. 95–109

Stat.91 Stat. 876

Pub. L.section 819 of Pub. L. 90–321

Cites 6Cited by 120 across 6 sources