Mar 21, 2012
One thing people can do is: 1. report their threats to the MN State Attorney General Office 1-800-657-3787 or 651-296-3353; 2. It is illegal for a debt collector to call before 8a.m. or after 9p.m. and they can't make threats and can't use bad language; 3. As soon as you hear the debt collector or any unwanted phone call, tell them that this phone call is being recorded---"In MN you are legally able to record any conversation and use it in court as evidence as long as ONE person in the conversation knows you are recording it" Which means, you don't even have to tell anyone, because YOU know it is being recorded, YOU are the one person!!! But telling them that it is being recorded and you will use it as evidence or telling them after they say all the bad stuff that it was recorded on your end tends to scare them enough not to call you again; 4. A voice activated digital recorder is inexpensive and a must these days. (It is sad tho that we have come to this.)