Recording Phone Conversations

Hi Htgt123

Get a Radio Shack from the electronic store and attach it to your phone device.

Remember that 38 state laws allow recording phone calls. But if you are living in the following states, you will have to get permission from the other end also. Otherwise it will be a violation of the Federal law and you will have to face legal grounds. The states which require permission from both parties are
California, Connecticut, Delaware, Florida, Massachusetts, Maryland, Michigan, Montana, Nevada, New Hampshire, Pennsylvania, and Washington.

But in the remaining 38 states, you have the legal rights to record the calls.

When you get a call from the collector, you might be fairly interested in recording it. Depending upon the state where you live in, switch on the recorder and talk to the person on the other end. First inform him politely that he should stop all collection efforts as you have financial problems. If the person refuses to comply with your request, you can mention about the federal laws as stated in the fdcpa. You can also inform them that you intend to send a cease and desist letter so that the calls are stopped.

If by all means, they refuse to comply with your do not call request, inform them that you are recording the calls and wish to present it to your attorney. As the state that you are living is making this recording legal, you will be further interested in taking actions against them. Hopefully, this will put an end to all collection calls.

So I live in Arizona. So I don't have to tell them, correct? Can you do it to your cell phone too? What do I need to get from Radio Shack? I think you forgot a word.

Thanks.

In Arizona, you are free to record the calls of debt collectors. You can do the same with your cell phone too.

Sorry, my mistake in typing the sentence LOL. Actually, I was writing a recording device from Radio Shack that can be attached to the phone device.

If the community is sufficiently interested debt consolidation care can provide this service as a free service for the community.
[more power to the people :) ]

It will work like this:
When the collector calls you, tell him that your phone number is 1877-663-3288 and you are on extension abcd

Now when the collector calls you at that number the call will be automatically forwarded to the landing number that you provide in your member area.

You can keep talking to the collector and the phone call will be recorded and will be available on the member area as a recorded mp3 file.

below the MP3 file we will allow you to take down notes. And during the phone call if you feel that you have been threatened or something illegal was done, then we can have the phone call as a evidence in a law suit that can be filed.

:twisted:

Quote:

hi Vikas, sounds like agreat idea! How would someone go about setting this up?? would the extension then ring through to our regular phone??

Quote:

Ben,
Am I understanding right, in the state of Tennessee I do not have to tell the creditors that I am recording?

The taps are actually fairly cheap. It looks like a small black suction cup. The last time I priced these, they were $3.99 and the small recorder was $19.99 (excluding the tapes).

Thank you for all of the information. I think the phone number idea would be great. Thank you for all of the information.

Mom of twins,

You do not have to take permission from the other party about the call being recorded in the state of Tennessee. You can tell them at any time about the recording and they can't take any actions against you as per the state laws.

The advantage of this application is that it is granting permission of both the parties in all the 50 states in the US.

As mentioned in point 2 in the post of Vikas:
Quote:

Vikas-

This sounds like a great idea. It's perfect for people who aren't able to get the taps for recording, and those last minute phone calls that are unexpected.

This site keeps getting better and better.

Thanks-
Mike

Hi Mike,

Our team is working on this application. We will publish it in the forums as soon as it is online. Hopefully, the community will fully utilize this service.

Thanks
Vikas

This is a wonderful idea!!!!Thanks Vikas for all you do for this site.This will be a godsend for alot of people. 8) :D

Let us spread the word about this service available in this site.

Is the service up yet?

Hi Bob, welcome to the forums!

Read the link below for more details on recording phone calls.

http://www.debtconsolidationcare.com/phone/

Regards
Mike

Most states allow for recording. In California both parties must consent, even when someone from out of state calls a California resident. This was ruled on last year in a complicated case in which a brokerage firm in Georgia was recording clients without telling them. In Georgia this is legal, but it was ruled that it was the same as if the firm were doing the business in California, so fell under California law.

California Law Student

Law Student,
You are correct,in a two party state both must know about the taping.

Law Student: thanks for taking part in this forum. I sense a consumer advocate in the making.

I think each state may deal with the recording laws differently. Usually judges will decide what the "right" outcome should be. Then they try to use the existing law to justify that outcome. For example, if a Georgia business is reaching into California to make money, they could be subject to the more stringent recording laws. However, in Texas, a debt collector contacting a Texas resident might be recorded by the Texas resident without knowing (one party consent).
Sometimes you just don't know.

And a thought on the best way to record. If it is a land line, RadioShack makes a basic recorder with a separate controller that will turn the recorder on only when the phone is of the hook. And it records great. Total cost is about $55.

Thank you texaslaywer. Yes I have always been interested in consumer issues. Maybe I'm wrong, but I feel too few attorneys are interested in such things as violations of the fdcpa, defective procucts, etc. I was interested in taking part in these forums as a part of my education, learning etc.
Law Student
San Francisco, California

Does this still work? I was trying to use it today and it didn't seem, to me at least, to be working.

NVM. I just read that it doesn't work on weekends.

this is what I would like to do...webcam video myself talking on the phone with these clowns with my phone on speaker. I'm in Florida can someone tell me if I must inform? They are so outrageously stupid, I want to put it on my website so all can see that I am actually WANTING to pay the debt they just won't take anything but the full amount all at one time,which is not even correct. thanks all
BTW you can use a cheap voice recorder and put your phone on speaker very easy and inexpensive way to record calls.

Being that I live in Florida, do I inform the collector I will be recording, or do I ask them after they refuse to cease and desist?