How is a debt collector allowed to contact you?

A debt collector may contact you in person , by mail, by telephone or Fax. A debt collector may not however contact you at what have been deemed to be unreasonable times or places which have been defined as before eight o'clock in the morning and after nine o'clock in the evening unless you agree to be contacted at those times. A debt collector may not contact you at your job if the collector knows that your employer disapproves of such contacts.