Quoting gigirle
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What state?
Are we talking about $960.00? This would be a small claims issue.
Oral contracts are just that...your word against hers. You have a text message proving that she agreed to pay by Oct 22 and she did not. If you feel she breached your original contract then file suit. Chances are she is not going to pay so if I were you I would make the payments so your credit isn't ruined and let the court decide if she gets to keep the beds and/or pay the bill. This is easy to do, call your county courthouse to see how much it is to file (usually about 50 bucks) and do all the paper work yourself. No need to get the salesman involved, chances are he won't.
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california. i dont have the text message anymore actually, i deleted it, since i thought it would be non issue (i believed her). i assume if i start paying now the judge will assume i gave it to her as a gift so i will wait until we go to court. is it a possibility he would make me pay for something that is not under my possession? i guess it depends on how well i prepare my case, right? can text messages be subpoena'ed? how would i go about doing this? the only paperwork i have is me attempting to switch the address of the bill her to address (which she agreed to do once she moved into her own place), but i failed in doing so since she is not part of a joint account. i only have 3 bills, two were given to her, and one was sent in to change the address.