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I made an oral agreement with palmer reifler and associates to pay 100 bucks a month until i paid my full demand of 880 bucks. or something along the lines of that. I was wondering if this is a binding agreement because the phone call may have been recorded because an automated message says "this call may be recorded for training and quality assurance purposes" do you think that this is binding? please answer if you are familiar with palmer reifler and associates.