Can I use a recorded phone conversation about money owed to me when that person isn't trying to pay me back in Maryland.

Your question about using a recorded phone conversation raises an important issue that may be of broad general interest to readers of this site.   Without the consent of all parties to the transaction, that would amount to illegal wiretapping. Do not do it.    I encourage you, and all other readers, before you act (or decide not to take some action) to seek competent, local legal counsel who can address the specific facts of your particular situation.   This web site and the responses herein, including this response,  are designed for general information only. The information presented at this site should not be construed to be  and is not formal legal advice. No attorney-client relationship exists and no attorney-client relationship is formed or created by this response or any response on this website. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.