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CylonRed
Premium,MVM
join:2000-07-06
Bloom County
reply to pcdebb

Re: Collection Agency...What Is Typical?

Unless Clark Howard is being paranoid but the collection agency will have you recorded identifying yourself, the debit and then your admissions that you owe it. Clark has said for the last couple of years that simply saying you owe the debit is enough to reset it (it could be a state by state thing as well).
--
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain



pcdebb
RIP lil hurricane
Premium
join:2000-12-03
Brandon, FL
kudos:5
Reviews:
·Bright House

said by CylonRed:

Unless Clark Howard is being paranoid but the collection agency will have you recorded identifying yourself, the debit and then your admissions that you owe it. Clark has said for the last couple of years that simply saying you owe the debit is enough to reset it (it could be a state by state thing as well).

might be a state by state thing, but i can't see this being legit in any case. i can be the evil twin answering the phone and giving the answers you seek just for the hell of it. collection agencies will tell you anything to scare you into forking over money. not everyone knows the rules and regulations of the fair credit reporting act. I've had my share of dealing with them back in the day and learned plenty from them and their tactics (not everyone that ends up dealing with them are deadbeats)
--
| map your city |


Draiman
Let me see those devil horns in the sky

join:2012-06-01
Kill Devil Hills, NC
Reviews:
·Verizon FiOS

said by pcdebb:

said by CylonRed:

Unless Clark Howard is being paranoid but the collection agency will have you recorded identifying yourself, the debit and then your admissions that you owe it. Clark has said for the last couple of years that simply saying you owe the debit is enough to reset it (it could be a state by state thing as well).

might be a state by state thing, but i can't see this being legit in any case. i can be the evil twin answering the phone and giving the answers you seek just for the hell of it. collection agencies will tell you anything to scare you into forking over money. not everyone knows the rules and regulations of the fair credit reporting act. I've had my share of dealing with them back in the day and learned plenty from them and their tactics (not everyone that ends up dealing with them are deadbeats)

There are one-way and two-way recording laws but none that allow you to record a conversation without any consent at all. If they just started recording without your permission and you found out they'd have a lawsuit on their hands. Clark Howard loves drama that's his job after all!
--
What we're saying today is that you're either part of the solution or you're part of the problem. - E. Cleaver 1968


AVD
Respice, Adspice, Prospice
Premium
join:2003-02-06
Onion, NJ
kudos:1

said by Draiman:

There are one-way and two-way recording laws but none that allow you to record a conversation without any consent at all.drama that's his job after all!

You understand what a one party recording law means right?
--
* seek help if having trouble coping
--Standard disclaimers apply.--


Draiman
Let me see those devil horns in the sky

join:2012-06-01
Kill Devil Hills, NC
Reviews:
·Verizon FiOS

said by AVD:

said by Draiman:

There are one-way and two-way recording laws but none that allow you to record a conversation without any consent at all.drama that's his job after all!

You understand what a one party recording law means right?

I have a lawsuit against a collection agency right now involving illegal recording among a few other issues. There's so many twists to the laws. Do you know none of that applies if the collection agency calls from another state? They need all party consent no matter if they are calling from a one party consent state to a different one party consent state. Interstate calls become all party calls per the FCC. There are quite a few other twists and bumps in the laws that the average person doesn't know either. It's amazing what a lawyer can teach you.
--
What we're saying today is that you're either part of the solution or you're part of the problem. - E. Cleaver 1968

reply to Draiman

In Ohio, only ONE party needs to know the call is being recorded, not both.