If your state allows, you do not have to tell the debt collector you are recording them. In Michigan and Florida, where we represent most clients, you do have to provide notice that you are recording the call. Check the internet for a list of states allowing only one party permission. Even if you must tell them, don't worry, just say "I'm going to record this call." They can't help themselves and will continue with threats and abuse. BUT GET IT ON TAPE.