1. Before you answer their call or call them back, download Androrec, a FREE app available for Android (not sure about iPhone). Also, I'm in no way associated with this app, I just happen to find it useful.) Once it's installed, it'll automatically record every outgoing and incoming call.
2. You can wait for them to call you back, or you can call them. Tell the caller RIGHT AWAY that you will be recording the conversation. The trick is to have your own voice at the BEGINNING of the recording saying that you are recording the conversation.
3. Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
4. If the caller won’t give you this information, hang up. If a phone number is available through caller ID, report the call to your state attorney general and the FTC.
A few other things to note:
You can’t be arrested simply because you can’t afford to pay a debt. Period.
It’s against the law for debt collectors to pretend to be attorneys or falsely threaten to sue you, regardless of how they communicate — through texts, through letters, or through phone calls.
Further, owing a debt to ANYONE is a civil matter, NOT a criminal one. A company MAY take you to court over a debt owed, but it is CIVIL court (like small claims court). This means that there is no warrant, no felony charges, etc. If a company decides to take you to court, they have to file the paperwork in the correct jurisdiction and then someone from your local sheriff’s office will serve you papers that let you know that a court date has been set, and for what time and place.
Called me while I was sleeping around 10 AM, answered, said Hello, they hung up.