Idk if you remember but e-whoring and CL were big topics on here and continue to be on the other BH forums. Even the pay per call stuff is pretty fucked. People get soft over time, that's normal. I still say credit to avoid legal complications in case you're actually trying to do something big and you aren't protected (most people on this forum aren't even incorporated). Hard to judge without knowing what he's doing. Just spend the $250 and get a developer. GG.