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All other states, and the District of Columbia, besides those listed above require one party consent just as federal law. I can say without a doubt its online loans same day deposit taking a toll on everybody on this forum.... I would think it would be implied consent because they also are informing you that the call is an attempt to collect a debt and all calls are recorded so just direct line loans say you are recoding the call as well.. I guess its their way of CYA I had a collector call back in March, she said this conversation will be recorded for training purposes.

I said nope, you are not recording my conversation. Not but 1 minute later another call came in same area code but different number, I did not answer.

I also heard someone on the board mention you need to be nice to the operators, do you really think they keep track of all call logs? How many times have you heard the operator say, let me type this in your file. You call back next week and the next idiot unsecured loan bad credit operator says, there is nothing in your file from what that other operator told you. I can generally get an impression of how the conversation will go in about the first 5-10 seconds. If they sound nice and pleasant I will be the same.

But if I get one WHIFF of rudeness, THEN IT IS ON!!! Well that was two months ago and not payments were sent..... To answer your question, at all loan servicers loss mitigation is the same as collections. Plus Loss Mitigation sounds less onerous than Collections. Get the word out to people to make a habit out of starting every call (and every transfer to a new dept. That kind of accountability sure would help to reduce their bad practices. I called between my 2nd and 3rd, I think, Trial small loans online Plan payments..

Then he said, What makes you think you can walk in here with your little divorce decree in your hand, Sweety, and keep your house? I was driving down the road at the time and I thought I was going to die! I ran through my mind, wait a minute, I got a receipt from them in the mail for my payments.


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At one no credit check cash advance point I asked him, with all due respect, can I please have your full name. This conversation was really stressing me out and bordering on freaky.

We will live through this if we can keep our sanity and sense of humor. I made my 3 trail payments, and they never sent me a monthly statement all year. We had medical hardship for the loan mod, and they are cruel.

So tell me where did all the money go all year that we sent them?

Then they inaccurately report on my credit report deed in lieu. I never got a personal letter america payday loan from them explaining any of the questions I have pertaining to my case. THE couple who was on Channel 7 GOOD MORNING AMERICA,MAN it could of just have been me! I live in Colorado and you bet your ass I record ALL important calls to CHASE.

However, the first time I did I told them it was being recorded and they immediately terminated the call! Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their direct line loans direct line loans homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. What makes you think you can walk in here with your little divorce decree in instant approval personal loans your hand, Sweety, and keep your house?

We will live through this if we can keep our sanity and sense of humor. Then the REAL fun begins, you learn how to push their collection agent buttons! Just say and fyi, this is also being recorded so I can keep a record of our calls. Essentially, without consent, in California your recordings are primarily NOT admissible in a court of law, nor can they be considered a binding (oral) contract. Other than that, the recordings could easily be considered open season for revealing the truth, direct line loans entertainment purposes, etc.

Last comment: As long as you do not say anything defamatory, slanderous or patently false about the other party AND bleep out their name(s), you SHOULD be in the clear ( When they tell you they are taping I say speedy loan thank you and I will be taping the conversation also.

They refuse, I then tell them I will not allow them to tape me. When they give you the speel of this call may be monitored for quality control etc. I have submitted all documentation supporting my payments. I am in the state of Tennessee and have received a letter today stating that foreclosure proceedings are in process. I am a hardworking citizen and pay my bills on time. However, since Chase has not reported my payments, my credit score has dropped tremendously.

If you have any additional input about how I can resolve this issue, please respond. Thanks again Most, if not all, Chase 800 numbers are routed to the Phillipines. I have been calling for status every week, (and thats a lot of calls). And, with every call there is bad credit payday loan a different story, but I will go through that in a different thread. The one thing you here when you call is this call may be recorded for quality assurance purposes. For my next call before I give any information to the representative, I am going to make the same statement to them, and, ask them if that is acceptable.

This conversation is being recorded for training and quality purposes...

So direct line loans what you try is to play the same blah game with them on the other end. This conversation is being recorded for training and quality purposes... So what you direct line loans try is to play the same blah game with them on the other end.

I have a feeling may forum readers already record calls, with or without permission. Although direct line loans the recordings can usually not be used as evidence in litigation, they can be useful for the borrower keeping a detailed record of all contacts with the loan servicer.

This conversation is being recorded for training and quality purposes... So what you try is to play the same blah game with them on the other end. Depending on your state law, recording without permission is often illegal, with potential criminal penalties. Depending on your state law, recording without permission is often illegal, with potential criminal penalties.


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Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Des, bases on your experience, without a Bk, will chase negotiate on the 120k they are asking for. I really cannot answer your question since that is not my area of expertise - negotiating outside of a bk.

With or without a bk, what is the worst thing that can happen. There is no redemption period therefore, once that hammer falls and the bid price is paid, you will lose all strings to the property. Do you really want to sink that kind of cash into the home? There are lots of things to think about and I always want my people (clients or potential clients) to really think about what they are doing before they do it. After waiting 30 days and receiving a 3 modification packets and two phone calls from chase which I did not respond to I decided to call chase to settle. When I called they connected me with the loss and mitigation department and said they would be the department that would handle a settlement on the charged off debt. I spoke with my lawyer last week and he agreed that a chapter 13 strip after our chapter 7 ( Chapter 20) would be a reasonable option if we have no equity but said a settlement would be easier. I told him if my house was truly worth that much then the bank would have already been after me to foreclose. He said poor credit loan in order to proceed they would need to come and perform an interior 5-10 minute inspection to asses the homes value.

Not sure if I should let them perform an interior inspection (might just be more fuel for their fire)?? Chase is likely saying what they are in order to spook you and seems to be working.