[ 489 ] Economics GED ® TEST SOCIAL STUDIES FLASH REVIEW • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • Based on the law, it is clear that unless notified not to make contact, a creditor is legally permitted to call a consumer at the consumer’s home regarding a debt at what time? a. 7:00 A.M. consumer’s time b. 9:00 A.M. creditor’s time c. 7:30 P.M. consumer’s time d. 9:30 P.M. creditor’s time Pat is a consumer who has sent a certified letter to notify a creditor as follows: “Do not contact me again regarding this debt.” Pat has followed all legal requirements for the notice to the creditor. After the creditor receives this letter, which of the following actions does the creditor have the legal right to take? a. call Pat’s boss to ask the boss to discuss the debt with Pat b. send one more letter to Pat to demand payment of the debt c. call Pat to demand payment of the debt d. send a letter to Pat to state that the collection agency will be taking no further action A third party is someone other than the consumer or the debt collector. Information related to communication with third parties can be found in which section(s)? a. Section a only b. Section b only c. Section a and Section b d. Section b and Section c