I live in Florida, recently i was contacted by a credit agency who was very abusive, screaming, and called, if I understood correctly a b----, of course he was screaming over me talking. Any way I contacted the place that turned my account over to them,( I did not think they met their end of the bargain,thats what started the dispute) anyway I told them what happened and he told me he was sorry and to consider my account balance zero, I was paid up, he told me he would contact them if I sent him the mans name and he would cancel his contract with them and he would mail back a check that I had sent to him. When I recieved the check back he had attached a note stating that as much as he disliked the company's tactics that he couldnt cancel the account with them because it would cost him money! What do I do. Can he be held legally responsible for the verbal agreement he made to me? Also he had already recieved and cashed a payment along with my letter stating that I did not think he met his end of the contract and that I objected. The credit agency was never informed of this payment and that is what brought on the abusive phone call by them.