The Spire recovery harassment act was designed in part, to protect consumers from potential abusive practices on the part of collection agencies and some creditors. The problem comes for the consumer in trying to prove that a collector violated the guidelines of the FDCPA. The only method to provide verifiable proof is to record the conversation that takes place. This action leads to the next logical question: is it within the bounds of the law to record a conversation, as well as, would that conversation be admissible as evidence?
It is almost always illegal to record a conversation to which you are not a party to, do not have permission to, and would not in the natural course of events have the opportunity or ability to overhear. This hold true in virtually every state.
In reference to the recording the phone conversations, states fall into one of two categories which are referred to as “one party consent” states and “two party consent” states. Twelve states require the consent of all parties to a conversation to allow for recording. Those states are:
- California
- Connecticut
- Florida
- Illinois
- Maryland
- Massachusetts
- Michigan
- Montana
- Nevada
- New Hampshire
- Pennsylvania
- Washington
If you live in a “one party” state, only one party needs to give permission to record the conversation, and that party can be you.
To add to the confusion, if you reside in a “one party” state and the call is originating from a “two party” state, you must have consent of the other party in order to satisfy the law.
The recording of phone calls is a serious matter and should never be taken lightly. There are criminal penalties for violating these laws in every state with the exception of Vermont.
There are many ways available to record a phone conversation, the easiest however, is still with devices that connect to your landline phones. There are more expensive methods available with cell phones, and some that are free if you use phone services that are connected with your PC or laptop. If it seems like if may be too much trouble to go through, keep in mind that in many states you are allowed to bring suit against collection agencies that violate the Fair Debt Collection Practices Act.
If you sue a collector for a violation of the FDCPA you could win an award in civil court for up to $1000.00. There are attorneys that specialize in actions of these types, the area of practice is called Consumer Law.
David Miller is a freelance writer and marketing consultant. He has written extensively about bankruptcy, debt settlement, debt consolidation, credit and credit cards, collection agency abuse, consumer law, credit card defense, FDCPA guidelines and complaints, loan modification scams, and foreclosure.
He contributes regularly to financial and real estate blogs.
For the most part, having a phone is a really good thing. After all, there are few better ways to stay connected with friends, family, and the world at large. But one thing about having a phone that’s not good is having to deal with harassing calls. Whether it’s annoying telemarketers, childish pranksters, or any other form of unwanted, unknown call, if you’ve been receiving. Such calls you only know one thing-you wish they would stop. Thankfully, by using telemarketer complaint sites, you can learn more about. Those mysterious calls, and thus start taking back control of your phone line.
Telemarketer complaint sites
Telemarketer complaint sites are a special kind of website that. Help users share valuable information about strange phone numbers and harassing calls. When you visit a telemarketer complaint site, the first thing you should do is search the existing complaint database. For mentions of the phone number you’re dealing with. This way, you can quickly learn what information are assume about the number you’re dealing with. This can potentially include valuable facts, like how to get on a do-not-call list. Or the name and address of the phone’s owner.
Cumulative effect
The next step in using the telemarketer complaint site is to lodge a complaint yourself. These websites work by cumulative effect. That means that the more people that report harassing calls. The better the odds are that the site will be able to help defend against those particular numbers. Plus, in some situations, complaints is pass on to authorities responsible for checking up on telemarketers. That means that if a company’s sales tactics have become illegally extreme.
Marines and Ghost and Healing from above
When facing a Protoss enemy, this is your key to success. Marines will make up the bulk of your army. Why you ask: Because Marines are dirt cheap, pack a mean stick, and equal mean mobility. And with the help of Stimpack they can do some really impressive damage. While running faster than a hamster at the treadmill
What does that mean: It means “remember to research Stimpack and Combat Shield” before leaving home, guys. Your army of pixeld toy soldiers need their drugs and you shouldn’t leave them wanting. As far as Ghost goes they are expensive and while heir mouths are not as dirty. And cheap as the Marines you luckily only need a few in order to make this combo work. Ghosts are most effective against Protoss due to their EMP. Drop your Shields Mister Protoss. Or in the case of High Templars, Drop your Energy Mister Templar.
