As you know we often discourage talking to these people on the phone but it can facilitate a faster resolution.
Especially in FCRA and FDCPA cases courts lend a great deal of weight to contemporaneous notes.
... happening during the same period of time: the contemporaneous reigns of two monarchs.
Notes that are taken at the time of the event are fresh in your memory, and you're entitled to a high degree of presumption that your notes are accurate.
Reducing any written document to an affidavit, signed under penalty of perjury, becomes as valid as court room testimony.
So if you must talk to them on the phone, the most important thing to do [aside from not admitting the debt] is "memorialize" the conversation you had with them. You do that by writing a letter and including ALL the points you guys talked about on the phone, with whom you spoke, date and time, in she said, I said fashion.
This will confirm the points we discussed on the phone on xx/xx/xxxx, @ 21:23, with "Jody CSR", when she called me at home.
But do be nice about it.
See below for an example.
This document will stand unless disputed in writing with equally counterweighted assertions. Since they did have the convo. I seriously doubt that would happen. Even if they wanted to they won't because they're lazy.
Your letter is basically done when you come on here and tell us what your adversary said. The rest is easy. Just copy/paste from your original post.
Then FAX it, from a third party fax machine, and follow up with a copy CRRR.
This forms a "Prima Facie Case" that the convo did actually take place as you outlined it.
THIS IS IMPORTANT GANG!!