I am trying to find some kind of computer software to record all of my telephone conversations on my computer, ideally into mp3s. I find that the most common form of deadbeat is the customer who claims they said something in the initial conversation that they didn't ('I requested bi-weekly service, I don't know why you've been coming every week for the past two months' or 'I said I couldn't afford to pay more than 150.00' or 'I told you to stop coming October 1st, I don't know why you kept coming into November' or 'I never requested that service, and I know what I said'). Without solid proof of what was said, I find that I just have to take their word for it and credit them whatever they won't pay. I even tell them that I take detailed notes for every call, but they say 'I know what I said' or 'you must have misheard me'. If I say, 'you said it, and I have a recording of it', they are going to pay. In NJ only one party has to give consent to recording a phone conversation, so it is legal to record all your own telephone conversations without informing the other party. Nation-wide companies probably have that this-call-may-be-recorded-for-quality-purposes message before the call starts because they receive calls from people in many states. Some states require both parties to have knowledge and consent of the recording. Here is a list of the laws of each state: http://rcfp.org/taping.