Under TDCA, what is a legitimate exception that permits contacting a debtor at work?

• A. Debtor's consent is never required to contact at work.
• B. Under TDCA, a legitimate exception that permits contacting a debtor at work is a court order.
• C. Contact at work is allowed with no exceptions.
• D. Employer permission is mandatory in all cases.

Answer: (B)

The concept being tested is how TDCA handles workplace contact for debt collection. A court order is an official authorization that overrides typical workplace contact restrictions, making it a legitimate exception to contacting a debtor at work. Under TDCA, collectors generally should avoid reaching out at the debtor’s workplace, especially if the employer prohibits it or the debtor has asked not to be contacted there; but when a court issues an order permitting such contact, the collector can proceed. This is why a court order is the best answer. The other options aren’t correct because workplace contact isn’t automatically allowed without some form of authority—consent isn’t an unconditional exemption under TDCA, employer permission isn’t mandatory in all cases, and there are indeed exceptions beyond no exceptions at all.