Odd handwritten letter from CA after PFD letter? Help!?!

[Anonymous]

Hi everyone. I am trying to get some of the stuff on my credit report taken care of. I mailed out 2 PFD letters for two separate accounts with the same Collections Company. Today I received a hand written note on an envelope (like on you would put your check in). The top of the envelope has both of my account #'s written on it and the date. The bottom has another number (6 digits with a dash and another number) and under it says "please call our office regarding your order number above. Thanks" and is signed by someone with the phone number to the offices below.

The whole note, account numbers and the message are hand written. And what is an order number?? On my PDF letter I said I would pay both accounts in full (two separate letters sent) but this letter has both accounts together. Before I received a separate letter for both accounts. Its odd to me.

My question is should I call in?? I don't know what to do here. My husband said to send another letter. Maybe they are willing to PFD?? I am NOT going to pay until I find out for sure if they will PFD or not.

Thanks for any help. I appreciate it! I am a total newbie!

[DiabolicallyRandom]

There are some CA's that dont like to put it in writing and wont do it under any circumstances. Verbal agreements are just as binding, you do however have the burden of proof if they go back on their word.  I have personally had success reaching agreements by phone, I havent been burned yet lol.  In the end it comes down to what you can feel comfortable with.

[750orbust]

In this day and age of technology, if you have a smart phone you could always get a call recorder app and try and get a verbal agreement. Check your state laws and make sure that this is not illegal. Some states have laws against recording a call without informing the other party but the easy way around this is to simply "inform the other party" that this call is being recorded. LOL, I've always wanted to say that to a CA since they seem so cocky in informing you that they are.

[DiabolicallyRandom]

Check your state laws and the laws of the state the CA is located in.

[Anonymous]

Thanks. We are both in California. I believe you have to say "this call is being recorded". I think I will call tomorrow.

[DiabolicallyRandom]

Yeah, in California both parties have to agree in order for you to be able to record. I have read about a gray area, where if they dont verbally agree and dont acknowledge you stating that its being recorded, that the recording will not be legal.  You have to keep telling them until they verbally agree. What CA is it?

[Anonymous]

It's Golden State Credit Service. It's for 2 old medical bills from 2011.

[750orbust]

It's lengthy but maybe this will help





The federal law makes it unlawful to record telephone conversations except in one party consent cases which permit one party consent recording by state law. What that means is a person can record their own telephone conversations without the knowledge or consent of the other party in those states that allow one party consent.
It's important to understand the difference between what has become known as one party consent and two party or all party consent. One party consent simply means that one party to the conversation must have knowledge and give consent to the recording. Two party or all party consent means that every party to the conversation must have knowledge and give consent to the recording.

There are twelve states that require all party consent. They are:

California
Connecticut
Delaware
Florida
Illinois
Maryland
Massachusetts
Michigan
Montana
New Hampshire
Pennsylvania
Washington
There are 38 states that permit one party consent. They are:

Alaska
Arkansas
Colorado
District of Columbia
Georgia
Hawaii
Idaho
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Minnesota
Mississippi
Missouri
Nebraska
Nevada
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
West Virginia
Wisconsin
Wyoming
In all 50 states and through federal law, it's considered illegal to record telephone conversations outside of one party consent. There are a couple of exceptions. In the state of California, one party consent can be applied only under circumstances in which one party is involved in criminal activity which would include extortion or blackmail. In the state of Arizona, the subscriber to a telephone service can record telephone conversations with no party consent when criminal activity is involved. Other than those two known exceptions, all other recordings outside of those states that permit one party consent are a violation of state and federal law. The question is often asked by clients if they can record the telephone conversations of their spouse in a domestic case or the conversations of their children concerning drug usage. In both of these cases, the answer is it's unlawful. Many clients will complain that they own the telephone and pay the telephone bill so they should therefore have a right to record what they want. However, the law doesn't address who owns the phone nor who pays the phone bill. It only addresses the use of one party and all party consent. Anything outside of that is a violation of state law and federal wiretapping law.

The Federal Communications Commission goes further into details on recording telephone conversations and states that the party recording must give verbal notification before the recording and that there must be a beep tone on the line to indicate that the line is being recorded.

Business Recordings
Federal law permits businesses to monitor phone calls that are business related when the monitoring is part or the ordinary course of business. When the content of the telephone conversation is of a personal nature, the monitoring must stop. In those cases of two party consent states, this exemption may be voided.

Calls Crossing State Lines
Calls that cross state lines become complicated legal issues especially when one state is a one party consent state and the other state is an all party consent state. What has happened is that you didn't violate the law in the one party consent state and violated the law in the all party consent state. Moreover, since the call went across a state line, the federal laws would certainly apply. The most famous case involving this type of issue is the Linda Trip case. You will recall that Linda Trip recorded the telephone conversations of Monica Lewinski concerning her relationship with President Clinton. Trip was in Maryland and Lewinski was in DC. Note that Maryland is an all party consent state while DC is a one party consent state. The law is actually quite fuzzy on these issues. The recorder is advised to assume that the sticker law would apply.

Cell Phones And Wireless Phones
Cell and wireless telephones transmit conversation through the air like a radio does. You hear old stories of spying using scanners locked onto a wireless telephone frequency with an attached voice activated tape recorder connected to it to eavesdrop on the conversation. Until certainly, the laws concerning this activity was fuzzy. However, federal law now makes it illegal to record both wireless and cell phone conversations outside of one party consent. You used to be able to go into places like Radio Shack and purchase scanners that would lock onto the frequencies needed to pick up wireless and cell phone conversations. These scanners are now illegal to sell or be in possession of.

STATE-BY-STATE ALPHABETICAL LIST

Alabama - One Party
Alaska - One Party
Arkansas - One Party
California - All Party
Colorado - One Party
Connecticut - All Party
Delaware - All Party
District of Columbia - One Party
Florida - All Party
Georgia - One Party
Hawaii - One Party
Idaho - One Party
Illinois - All Party
Indiana - One Party
Iowa - One Party
Kansas - One Party
Kentucky - One Party
Louisiana - One Party
Maine - One Party
Maryland - All Party
Massachusetts - All Party
Michigan - All Party
Minnesota - One Party
Mississippi - One Party
Missouri - One Party
Montana - All Party
Nebraska - One Party
Nevada - One Party
New Hampshire - All Party
New Jersey - One Party
New Mexico - One Party
New York - One Party
North Carolina - One Party
North Dakota - One Party
Ohio - One Party
Oklahoma - One Party
Oregon - One Party
Pennsylvania - All Party
Rhode Island - One Party
South Carolina - One Party
South Dakota - One Party
Tennessee - One Party
Texas - One Party
Utah - One Party
Vermont - One Party
Virginia - One Party
Washington - All Party
West Virginia - One Party
Wisconsin - One Party
Wyoming - One Party