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Well, there's an app for that! Recording a call, that is.

So it's no longer a 'he said, she said' thing, when you have a recording of you telling the collector to stop calling. From a Federal law perspective, you only have to have the consent of one party on the call to record it. Some states may require both parties to consent, so you'd need to check your state law if you plan on doing this. But if you ask permission of the collector to record the call, it's likely they'll hang up and won't call back. So, you can at least stop the collection calls, although you may not be able to make them pay.

Gotcha. Submitting an audio recording of your verbal instruction not to call seems like it would be about the same as submitting your certified mail record of the same instruction. So an alternative, but not some great advantage, except as perhaps regards the ease/convenience of doing it.

I would definitely recommend considering the state law on telephone recording since most court cases brought against a bill collector by an individual are not likely to end up in Federal court.

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