State law question ?

what are the consequences if u can not repay your payday loans??

If you inform them that you are recording,that should suffice in your state. Now if they object to it,it can become problematic because you are in a two party state.

Deana,
Please post a topic in the debt cons/settlement forum concerning your issue with the payday loans.

I'm curious as to what would happen if they would object to the recording.Could I insist the only way I will continue the conversation is if it is recorded? I could see a awkward situation arise at that moment as to what to do?Any opinion/idea? Thank you.

Don't feel afraid of recording the phone calls. Make the CA feel that you will be using the conversation during the call for legal purpose and if they are violating the collection laws. You need to stand up as an informed consumer against the shady collectors. Your state requires consent from both the parties. If they continue to speak after informing about the call getting recorded, you got their consent.

I work for one of the top 20 fortune 500 companies...I won't say who ;) but, whenever a client calls in and asks me for permission to record the call I must reply with a "no" even though we are recording the call. That way, if it was ever presented in court, the recording would show us declining the permission to record. I have only had one bad issue, with a drunk elderly man, before about this. I don't know how companies are allowed to record but a customer/client can not?

Deana, if you can tell us a little more info on your payday loan, we'll be happy to help you. Alot depends on the statre you live in, if they are internet or store front loans, etc. If these are store front loans, alot of them follow the regulations, and can take you to court. Try to work something out with them if they are store front. Any quesstions, please feel free to ask..KAren :D

Marley,That's interesting,but it's sort of backwards as it's a person calling you. How do you handle it if it's you calling a person and they state the call will be recorded if you want to continue the conversation? Thank you.

I don't make outbound calls unless they are calls to customers/clients that have already called in, so I'm not really sure about that. I have never returned a call to a customer/client (I'd say I only make an outbound call maybe 5 times a month), but that is an excellent question. When I work on Sunday I will ask my manager how I would respond to that question if I did call out to someone! I don't like telling people they can't record, it just seems weird to me. However, I have only experienced it just a few times.

Marley - When they call into you do they get a recording that says something like "This call may be recorded for training or quality control purposes"?

If so, I would think that the fact that your company is telling the caller that they are being recorded could be taken as consent from your company to also be recorded.