Francisco takes out a student loan from the First National Bank. After graduation, Francisco goes to work, but he does not make payments on the loan. The bank agrees with Ace Collection Agency that if Ace collects the debt, it can keep a percentage of the amount. To collect the debt, Ace can contact

a. Francisco at his place of employment even if his employer objects.

b. Francisco at unusual or inconvenient times, or at any time if he retains an attorney.

c. third parties, including Francisco’s parents, unless ordered otherwise by a court.

d. Francisco only to advise him of further action that Ace will take.