Collectors almost universally record their calls anyway. They usually have a statement about 'this call may be recorded (or monitored) for training purposes' on their automated systems. They would have a pretty tough sell trying to claim they did not give a consumer permission to record a call on their own, when they are almost certainly recording the call themselves.
Generally, 'consent' is not implicitly required, just notification. Consent is implied by remaining on the line after the notice.
When talking with a CA on the phone, a simple 'are you recording this call?' should be asked. If they say yes, then you also have implied consent to record also.
There are eleven 'two party' states - California, Connecticut, Florida, Illinois, Maryland, Massachusetts, Montana, New Hampshire, Pennsylvania and Washington.
