Recored phone call fro noth star

Again someone using the system to further thier agenda..
recording the calls to PREVENT harassment not Provoke it.. If a CA is calling and harassing you then yes record.. but calling to BE harassed and ???????Getting it on Tape??????? to sue is as bad as being a predator???????
What has this site become

I agree with you pdlneveragain. What has this site become? I know most people here are real and want to do the right thing, but lately more people like the guest above come here for what reason? Are we about helping to get out of debt, or helping to sue CA using any means possible?

Thank you Guest.. I know a lot of real people are on this site looking for real help but it seems more and more are looking for a way to scam..

Guest - you called a company with the intent to goad them into arguing with you over an out of SOL debt that they were trying to collect on? And once you felt the temperature of the conversation rising, you then turned on your recorder and informed them you were recording?

Forgive me if I have mis-interpreted your words, but it sounds like you called this company in an effort to intentionally goad them into a fight and then recorded them once you felt the conversation was headed for an fdcpa violation.

Did you send them a debt validation letter beforehand, or have you just been dealing with them over the phone?

I know this guy, All of you have misunderstood what happen and taken this way out of context. I can somewhat understand why you guys went off into left field with this,mainly because of the way it was worded.

He did not call North Star, North Star called him. I was there and I was the one who recommended he post at this site for info.

(Big mistake, made feel bad for even asking him to come here, I had no idea you were going to gang up and shoot him down, I figured you would have at least asked questions first.)

During the conversation he told the agent to hold and he then started the recorder, not to intimidate, but to only have a record of what was being said. We wanted to a have a record that the agent was told that the debt was being disputed, and did not belong to him and also the debt's SOL for collection had expired.

It was after he told the agent that the call was being recorded, the agents attitude changed. I was there listening to all of this over the speaker phone.

The debt is 13 years old and out of sol. And during the period of the debt he was not in the country to even apply for it.

I gave him my recorder to help him just in case facts were being stated and later would be denied being told.

I think he only wants to know if since the agent did not inform him that the call was being recorded as required by maryland law, did the agent violate the law and if so what could be done to report it and nothing more. This guy is old and is really shook up about your comments

The first to posters assumed too much and painted the negative picture which all of followed suit accordingly.

If the CA agent was calling from a state that did not require notification that the phone call was being recorded then no the agent did nothing wrong. Just as an FYI for Maryland and your friend though and since he lives in Maryland your friend has to get consent from the other party to record the call. Just informing him of it is not good enough, for your friend to try and use the recorded call the CA agent would have had to given his consent to be recorded. Also states hardly prosecute minor cases like this, only if it is a big case.

I did not assume.. ...
Now.. And I quote " I could not even get North Star Collections to argue with me over the phone when I disputed the 13 year old out of SOL debt"
I am sorry if i upset your friend.. Not my intention But read some post and you will understand it seems that the board has attracted more and more of those kinds of post..
Please have him repost and someone can help But he should be happy they did not argue this is not a good thing to argue.. and as far as the recording it is what ever to me a small point if they did not fight with him or cause a problem..
again I am sorry for jumping to the wrong conclusion

As I said, forgive me if I mis-interpreted the words posted by the first guest. This is why clarification was needed. Again, I apologize if I mis-interpreted it, but the wording of his post was a little confusing.

As I asked in my reply, has he had this debt validated by the company yet? Did he send a debt validation letter?

ok , I will . thanks guys !!

"I could not even get North Star Collections to argue with me over the phone"

Sorry, guest, but the opening line doesn't start off very well. We can only draw conclusions from what we read...but from the get go, OP made it sound like he wanted to argue. As far as a recorded call, you'd go to your state's attorney general, they can decided whether the case is worth pursuing.

Now, is it or is it not a vio to try to collect on a debt after validation has been demanded without having provided it?

Go here and click on "Interstate phone calls"

www.rcfp.org/taping/

Happens to reference MD - what luck. From what it says, he could be liable for failing to disclose. I would contact your AG. What will they do? That's the gray area I can't answer.

I read the Maryland law. It says "intercept". The real question is does that mean a non-party to the conversation. Nevertheless, if you are already a victim of illegal collection harassment, recording calls, if allowed by the law in your state, to get evidence of violations is legitimate.

Everyone preaches on this forum about knowing your rights and asserting your rights when it comes to validation, disputing, and ceasing communications. If it is within your rights in your state to record a call to gather evidence of the kind of harassment that most collection agencies, if not all, will throw at you, then no none should put you down for asserting that right as well.

No collection agency will admit to breaking the law. Either you prove the violation or put up with it. Baiting a collector is bad, getting evidence of existing violations is good.