Which state laws apply (mine or creditor)

by kc
(New York)

I live in New York, which adds an original creditor in the State FDCPA.

If I feel I am being harassed on the phone, do the rules come form MY State or the State that the creditor is in?

I would assume the answer also applies to phone recording (New York is a one party State), so that would mean it doesn't matter where they other party is - I don't have to tell them I am recording?

Clarification on this would be greatly appreciated!