recording collection calls....

[CPO]

I'm in Texas.

Part-time employed, reinjured, disabled veteran. Soon to be in Chapter 7 (May-June)

Just beginning to get the initial flurry of collection calls.

I find it interesting that many of the collection calls that I get at home, usually CC's and private label CC's, when I state that the call is being recorded, they tell me they have to terminate the call.

This is after many of them have told me that the call was being recorded "for quailty purposes" on their end.

Huh?

It's not that I really want to talk with them. It's my way of reducing the calls to my work, as in they can find me at home. I never provide information. I simply state that "I cannot help them, have a nice day."

Works for some, but many will still call you at work regardless of the "cease & desist" letter thing or verbal requests.

(Like if I really had a few bucks the ones harassing me at work would be the ones I pay...right....I don't cave to threats very well....

What's been your experience?

[BKTango]

Just so you know if you are in Texas and a collection agency calls you from Texas or any other one party state, you don't have to tell them you are recording the phone call. I've done that, and then called back and spoke with a supervisor and played the conversation for them and then reported them for violation of the FDCPA, for the outright abuse during the phone call. When you have the proof of what they are doing....oh it is so nice. There are some states that require two party permission for recording so if one calls from one of those states you do have to tell them you are recording the phone call.

Here's the list. Just scroll towards the middle and it lists which states are what, and tells you the legalities of recording the phone calls.

http://www.callcorder.com/phone-reco...Laws%20(Table)

[CPO]

BKTango,

Thanks for that tidbit of info.

I've printed some of that data. Thanks.

I usually tell them immediately upon learning who they are.

I don't want to be on the phone long with these idiots. Seems to work well with some of the collectors...I really don't quite understand why.

Usually they state themselves that the call is recorded first thing...then when I say "yea, recorded on this end also" they pause...and then are in a hurry to hang up.

Some have asked me to stop recording them so we can discuss the problem.

I refuse...they hang up.

Whatever.

It's not effective on all collectors, some don't appear to care but these seem to be the more "professional" types, usually from the collection departments of the actual creditor themselves rather than the agencies that buy bad debts.

Thanks again.