Can I record Phone Calls?

The phone rings. You answer it. Maybe it’s the local cable company, or it’s your Realtor telling you the offer you made on a home has been accepted. Maybe it’s your loan officer and she tells you what you need to bring to the meeting to get approved for your home loan. Maybe you’re driving, or not in a position to take notes. Or maybe it’s that  debt collector and you answer the phone. You feel the debt collector is abusing you or saying things that seem to be inappropriate. They are recording you for “quality control purposes”.

Why can’t you record them?

Surprisingly, in most states you can. I have recorded phone calls from debt collectors and creditors in my work helping people with their credit. Many times things are said by the other side  that you wish you had documented/recorded because they say one thing and later on deny that they said it at all. How many conversations have you have like this? I know I have had many.


If you have a business and have a VoIP (voice over Internet protocol) system, this is very easily done. Personally, for my business I use a VoIP program called Nextiva that is able to tape calls coming in or calls you initiate. They have an app that can be used on your smart phone and that works as well, recording both sides of the conversation.

If you use Skype, you can record the phone calls only (inbound and outbound) by getting a free service such as Pamela or MP3 Skype Recorder.

What happens when you receive a call on your mobile smart phone? There are many call recording systems out there but the one that I find the best is a download app entitled call recorder (    I have had problems with other apps (like not recording or cutting off the recording halfway through).  Anyway, the point is not which app to use.

Find a call recorder that you like and use it! The upside is that you will have documentation of the phone call.  (If you want, you could have that transcribed through another service for about $20).

For full disclosure, each state has their own recording laws. Most states are one party consent, and the others are all party consent. The one party consent are the states that allow recording,  if one party is a part of the conversation. The two-party consent  are the states that say all parties on the phone call must consent.


These are the states where only one party must be a part of the conversation:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Georgia
  • Hawaii
  • Idaho
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • West Virginia
  • Wisconsin
  • Wyoming


These are the states were all parties must consent:

  • California
  • Florida
  • Illinois
  • Maryland
  • Massachusetts
  • Michigan
  • Montana
  • Nevada
  • New Hampshire
  • Pennsylvania
  • Washington


If you have any credit questions, please e-mail me at or call at 888.417.3400.

By | 2018-03-21T01:56:34+00:00 March 14th, 2018|Best Practices, Case Studies, Q&A|

About the Author:

CERTIFIED FICO PROFESSIONAL - Currently the Executive Director and Founder of – A national Credit Education and Restoration Association with offices throughout the United States. MCS was founded in 2007 in response to the need for effective Credit Repair and Education.