In New York State, it is perfectly legal to record telephone conversations you have with debt collectors without telling them you are recording the conversation. There are several apps that allow you to do this on a cell phone, or you can start your phone’s voice recorder app, and put the call on speaker phone to record it. If you live outside New York state, you can check the legality of recording telephone conversations in other states by visiting http://www.rcfp.org/rcfp/orders/docs/RECORDING.pdf.
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