Are the payments delinquent on the appliances? In other words, if they've made only two payments in 10 months, have you made the others?
It appears that people may well be able to bring a lawyer to small claims court in Texas, because the bar association says "most people don't use a lawyer in small claims court." LINK
Did you sign a contract with them for them to take over the payments, and are they delinquent, or was it verbal and they are delinquent? Or what was the agreement about payments?

