Actually, I had exactly this problem with the built-in sound card shipped with my new PC (back in 2003). I was using a purpose made Phono stage with my turntable rather than an amplifier, and yet I couldn't get the recording level on the sound card low enough to avoid clipping, without it being off altogether.
It turned out the built in sound card on the PC's motherboard was a load of rubbish. I had a slightly more expensive one installed in a PCI slot, which solved the problem (I have the recording slider set to half-way in Windows Volume Control which is perfect).
Regards
Darren
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Darren, Arborfield, Berkshire, England
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