Contact your state’s FCC for the local rules there. Where I live, I can record their conversation on the phone as long as I either tell them I’m recording it, or make a beeping sound through the conversation somehow. I bought one of those tape players that hook up to your phone and tape any bill conversations.
I’ve been lied to also about payments, then there’s no proof, so I got tired of it. Radio Shack is a place where you can get one. I bet it would be hard to get it in writing, but as long as it’s taped and legal, I would think they would be held accountable for what they agreed to.
I was $80,000 in credit card debt and I am in debt settlement. do your research but I really think that is the way to go. you do want to avoid bankruptcy. there is no easy way to get out of debt but there are ways out. good luck.