§ 19-14.9-5. Communication in connection with debt collection.
(1) 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:
(a) 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 A.M. and before 9 o'clock P.M. local time at the
consumer's location;
(b) 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
(c) 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.
(2) Except as provided in § 19-14.9-4, 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/her attorney, a consumer reporting agency if otherwise permitted by law, the creditor,
the attorney of the creditor, or the attorney of the debt collector.
(3) 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:
(a) To advise the consumer that the debt collector's further efforts are being terminated;
(b) To notify the consumer that the debt collector or creditor may invoke specified remedies
that are ordinarily invoked by such debt collector or creditor; or
(c) Where applicable, to notify the consumer that the debt collector or creditor intends
to invoke a specified remedy.
(4) If such notice from the consumer pursuant to subsection (3) of this section is made
by mail, notification shall be complete upon receipt.
(5) For the purpose of this section, the term "consumer� shall also include the consumer's
spouse, parent (if the consumer is a minor), guardian, executor, or administrator.