Epic Contributor
Posts: 24,715
Registered: ‎03-19-2007
Re: Recording a CA's conversation

Regardless of the tool used to collect information to support an FDCPA violation, how are you planning to pursue it?

Are you hoping just to use it as coercion, or are you planning to seek FTC sanctions or legal action? Or bring your own?


As a general operating practice, the FTC does not initiate legal action on individual consumer complaints, unless they appear to be continued practices reported by numerous consumers or are in direct violation of a current sanction or legal order.  Bringing your own civil action is timely.

What many see as willingness of debt collectors to commit violations most likely stems from the lack of quick ability to take them to task.


I share the cautions in using recorded conversations.  I am also curious as to how, if legally obtained, the information would actually be used.