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Message: <blockquote data-quote="Mercule" data-source="post: 691070" data-attributes="member: 5100">Be careful.  The "one-sided permission" varies from state to state.  AFAIK, it's valid in Iowa (my home state).  I actually have a phone-recorder device that I got for a similar reason a few years ago.  If you want to borrow it, email me and we'll work out shipping, otherwise, they're $15 at Radio Shack._Always_ read the entirety of a contract.  A few years ago, I got a new bed with 1 year, no interest.  Just before the last payment, I realized that the amount they'd been charging me monthly would only total up half the sales value.  Fortunately, I had the cash on hand to pay the whole thing off.  Had I let it slide just one more month, I would have been subject to a retro-active interest rate of something like 25%, including on principle paid in the first year (only compounding until the principle was paid, of course).There are a _lot_ of sleazy practices out there.</blockquote>