What are the key restrictions on contacting a debtor at their place of employment in Texas?

• A. Contact at work is prohibited in all cases.
• B. Do not contact at work if the debtor instructs not to or if the employer prohibits it, with limited exceptions such as court orders.
• C. Contacts at work are allowed anytime.
• D. Contact at work only with debtor's consent in writing.

Answer: (B)

The key idea is that contacting someone at their workplace is restricted to protect the debtor and respect employer policies. You should not contact at work if the debtor has told you not to, or if the employer prohibits workplace contact. There are only limited exceptions to these rules, such as when a court orders the contact or when the debtor has given written permission to be contacted at work. So the best choice correctly includes both the prohibition based on the debtor’s instruction or the employer’s rule and the limited exceptions that allow contact in specific situations. The other options oversimplify the rule: one falsely says contact is prohibited in all cases, another says it’s allowed anytime, and another claims it’s allowed only with written consent—ignoring that employer prohibitions and court orders are also valid factors.