When You Can Be Contacted
Unless you agree to it, debt collectors cannot contact you at inconvenient times, like prior to 8am or after 9pm. If you tell them, in writing, to stop contacting you, they generally must stop contacting you altogether. Also, if they are told they cannot call you at work, they may not contact you in that way.
Who May Be Contacted
Generally, a debt collector cannot discuss your debt with anyone other than you, your spouse, co-signer, executor, administrator, guardian, parent of a minor, or your attorney. However, if you are represented by an attorney for your debt, the debt collector may not contact you, and instead must contact your attorney. They may contact others (usually only once) to obtain information about where you are located, what your phone number is, and where you work. They cannot reveal that you owe a debt or discuss details of the debt, aside from identifying the name of the collection agency, but they may only do that if asked.
Debt collectors are not allowed to harass you. This means they cannot threaten to harm you, use profanity, call you repeatedly to annoy you, publish your name as someone who refuses to pay her debt, or harass you in any other way.