R20-4-1512. Contacts with Debtors and Others

A. A collection agency shall contact a debtor by telephone only during reasonable hours. A collection agency shall make a reasonable attempt to contact a debtor at the debtor’s residence. A collection agency may contact a debtor at the debtor’s place of employment if a reasonable attempt to contact the debtor at the debtor’s residence has failed. B. A collection agency shall not threaten to or contact a third party, including a debtor’s friend, relative, neighbor, or employer and: 1. Inform the third party of the debt; 2. Ask the third party to pressure the debtor into paying the debt; or 3. Ask the third party to pay the debt, unless the third party is legally obligated to pay the debt. C. Despite the other provisions of this Section, a collection agency may make lawful service on third parties, including employers, of a writ of garnishment or other writ in aid of execution after judgment has been entered against a debtor.