Advise on a NCO collection of old debt
Date: Fri, 07/14/2006 - 15:15
I will get worried if they have your statement recorded since yo
I will get worried if they have your statement recorded since you have committed to make your payment. Now, let's work out something from this point. In which state do you live? There is a legal condition that a debt collector cannot record the phone calls without permission from the other party. This is applicable in 15 US states.
Recording of the debt collection phone call is allowed secretly
Recording of the debt collection phone call is allowed secretly in Tennessee. So, you don't have a case against them at this point. Ask them to validate the debt they are collecting for. Unless they mention that your statement has been recorded, you are not forced to pay them anything. You can continue with your stand about the SOL being expired.
Make sure that you don't give the collectors any chance to hold
Make sure that you don't give the collectors any chance to hold against you. You need to stand strongly while dealing with the collectors. They will try to intimidate you and scare with all their shady tactics. As long as you are aware of your legal rights, things can't shape in a wrong way. Go through the fdcpa laws on how to deal with the debt collectors. Use this page as your legal weapon while negotiating with them.
http://www.ftc.gov/os/statutes/fdcpa/commentary.htm