Taping Does Work!

[carol7lynn]

Stopped paying my ccs in July 2009. So far no one has sued me. All cards charged off last month but before they did, I was inundated with last ditch effort calls and it almost drove me crazy but I didn't dodge a one. Anyway most of my debt has been consigned to various CAs, who unlike the OCs, are more hard-core about trying to squeeze blood out of the proverbial turnup.

So I decided to tell them I was recording our conversation to see if that would stop their nonsense (asking the same question (Are you refusing to pay?)-fifteen different ways) and it not only made them more civilized when I tell them, asked and answered, (No I can't pay.) but today Monarch/Academy Recovery refused to be recorded and hung up on me after confirming who I was. Hoorah! Monarch Recovery as Academy Collections, got popped this past summer for a couple million dollars for FDCPA violations-largest in history. No wonder they hung up. Can't afford any slip ups.

C7L

[Bell30656]

In many states, mine included, a person is not required to inform the collection agent that they are recording. Of course, I always did whether I was recording or not just because I wanted to be a ****head.

[GoingDown]

Taping calls does work. When I was still getting debt collection calls, I would put the phone on speakerphone (loudspeaker) and then start the tape recorder, and then in a loud voice I told them I was tape recording the telephone call, today's date, the current Arizona time, and then asked for their name and their call back telephone number and extension. Most of the time, they hung up on me at that point. Some would continue to talk, but they were very careful about what they said after that, and they did not get nearly as rude as when they didn't know I was taping them. For those who were violating the FDCPA, I made a copy of the tape and sent it to the collection agency by certified mail, demanding that they send me a $1000 check for violating the FDCPA. I noticed that right after they received that copy of the recording, they stopped calling me and never called again.

So yes, it is very effective.

[walkthaplank]

I have heard several lawyers on the subject state that the collection agencies disclaimer at the beginning telling you that this call may be monitored or recorded gives you license to do record the call without further permission. When they state that the call is being recorded, they lose their right to object to the call being recorded.

[carol7lynn]

Thanks. Good to know.

So far the only one to object is Monarch Recovery. They did it again this afternoon after telling me that they might record me. LOL.

They got a lot of nerve. They want to record me (for training/information/educational purposes) but they won't let me record them.

C7L