Under FDCPA, collectors are prohibited from communicating with the consumer at

• A. Only during business hours
• B. At any unusual time or place, or at a time or place which proves inconvenient to the consumer
• C. Only at the consumer's workplace
• D. Only by certified mail

Answer: (B)

The concept tested is that debt collectors under the FDCPA must avoid contacting you at times or places that are unusual or inconvenient. The correct option captures this prohibition exactly: collectors may not reach you at an unusual time or place, or at a time or place that proves inconvenient to you. This protects you from disruptive or intrusive contact, such as late-night calls or visits to a location where contact would be bothersome. In practice, they should conduct communications during reasonable hours and in appropriate settings, rather than imposing inconvenient interruptions. Other options are too narrow—they don’t reflect the rule that forbids inconvenient timing or location, regardless of the channel used (not limited to business hours, workplace, or certified mail).