Gail,
I see a reference in this article for ceasing telephone communication completely. What if a person wants to avoid being called at work? Shouldn't they just be able to write a letter to the creditor telling them when it is "inconvenient" to contact them?
"However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree."
-Nick