Well, that was my argument. I told him the "arrangement" was about as binding as you telling a friend of yours you will buy girl scout cookies from his daughter, but when they bring you the order form you decide against it...
I did search the forum and coincidentally enough, there was another article around here about a similar issue. The guy also happened to be from Texas and there was some good info posted with a specific section/chapter/code from the credit protection authority of Texas. So, at least now I have some ammunition. I doubt it will go anywhere, but my fear is just that they do actually file a collection and it have a negative impact on my credit.

