Recording Debt Collector Phone Calls and Messages

If you have ever been in debt before you most likely understand the kind of financial pressure that it can add to your life. Debt is something that most Americans are going to have at least some experience with, and some will handle their debt much more effectively than others so they can save money for vacations and other items. When you handle your debt effectively, you should have no problem paying it back and avoiding problems with your creditor or lender. However, if you do not make payments or fall behind on your debt, your lender may send debt collectors to try and get the money, and it is important that you know how to deal with these individuals.

Understanding the Limits of Collectors

Debt collectors have the ability to call you in order to try and resolve the debt that you owe. However, they are bound by rules that have been set forth by the Fair Debt Collection Practices Act. These collectors need to follow this act carefully or they will be in violation of the law. While there are many things that a collector can do in order to contact you and get their money, there are also many things that they cannot do. If you feel as though a debt collector is breaking the law, you may have legal recourse to file a lawsuit.

In order to recognize debt collector abuse, you will need to know their limits. For example, if debt collectors are calling you at inappropriate hours, they may be breaking the law. Also, collectors are limited as to the number of time that they can contact you. In addition, a debt collector can only contact your friends or family in order to verify your contact information, and they cannot discuss your debt with third party individuals or even identify themselves as debt collectors.

Recording Debt Collectors Effectively

If you feel as though your debt collectors are breaking the law or are being too persistent, you will need to take steps to ensure that you will have the evidence that you need to get them to stop or to open a lawsuit. In order to do this, you may need to make recordings of their calls. Recording a call will give you the ability to hold the debt collector to their practices, and will give you the hard evidence you need if a collector is breaking the Fair Debt Collection Practices Act. There are a couple things that you should know before recording collectors.

First, you will want to determine if it is legal or not to record conversations without the consent of the other party in your state. In the majority of states, it is legal to record phone calls and messages without the consent of the other individual, however it is important that you know the particular laws in your own state. It may be that you have to inform collectors that you are recording the conversation before you do so. Also, you will need to know how to record. You should be able to purchase an easy to use recording device at local electronic stores for a small price.

Recording debt collector phone calls and messages will give you an effective way to fight back against debt collectors that you feel are infringing upon your rights. Make sure to research the legality of recording conversations in your state before doing so. Then, purchase the affordable equipment that you need and begin recording the annoying and inappropriate calls that you are receiving from debt collectors.