Attitude is a little thing that makes a big difference.

Sir Winston Churchill

Collection call recording

Sunday mid-morning , February 22, 2009.

It’s always a good practice to keep good records in your communication with creditors or collectors.

Title 18 of the United States Code, the criminal and penal code of the federal government of the United States, under section 2511 paragraph 2 (d), states the following:

It shall not be unlawful under this chapter for a person not acting under color of law to intercept a wire, oral, or electronic communication where such person is a party to the communication or where one of the parties to the communication has given prior consent to such interception unless such communication is intercepted for the purpose of committing any criminal or tortious act in violation of the Constitution or laws of the United States or of any State.

In other words, under Federal law, you are allowed to record any conversation where you are one of the parties.

And, although 12 states (California, Connecticut, Florida, Illinois, Maryland, Massachusetts, Michigan, Montana, Nevada, New Hampshire, Pennsylvania and Washington) require both parties to agree, I strongly suggest:

  • To start any conversation with collectors by asking them where they’re calling from —because most calls are interstate calls, and your recordings will be covered by Federal law.
  • Next, it’s polite to let them know that you will be recording their call, and ask their consent if deemed necessary. You’ll be happy that you did, it sets the tone for a more professional conversation —they will respect you more, and shy away from pulling any fast ones on you.

So, get your automatic call recorder at your closest Radio Shack, Best Buy, or order it through the web. It’ll be one more useful weapon in your arsenal.


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