[Christien]

I would think the judge would enforce the original verbal quote, but you may want to have some details to back that up. Get similar quotes (written, of course) from other companies to use as evidence, in case they claim the original quote was $1100.

Chances are, though, if they take any action, they'll send it to a collection agency first. You can dispute the claim with the collection agency and see where that gets you. Technically you're supposed to be able to dispute the claim and not have it show up on your credit report while it's in dispute.