hi thanks for your help i bought a boat from a man in texas on a 2 year note with a 2000 down and a rv for down payment, i promised him the title, but i cant seem to aquire the title from the original owner. there is no contract just a handshake agreement and agreed to keep insuance on the boat. I failed to keep insuarance current and did not give him title, but i did make the payments for the full 2 years. he has told me that i am a renter because i did not live up to my agreeement do i have any rights ordid i mess up by not having fulfilled my deal thanks bill

You messed up by promising him property that you didn't legally own. If the RV wasn't titled to you, you couldn't legally sell it or offer it as a down payment. He can sue for breech of contract, in which case the court may give you the option of either returning the boat to him (and getting perhaps some of your money back, less amounts for use and wear/tear), or paying him an amount equal to the value of the RV you promised and then you keep the boat.

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While pointers can be helpful, ultimately the number one lesson in any legal action is: don't take legal advice from books, family, friends, co-workers, police officers, grocery clerks, web sites, or people on legal message boards. The only person who can give YOU legal advice is YOUR attorney.

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Have you browsed through the information in LawInfo's Free Legal Resource Center to learn more about your issue yet? See: http://www.lawinfo.com/consumer.html and http://resources.lawinfo.com/en/index.html. You can certainly try to speak to a lawyer to determine what legal options may be available. In the meantime, you may be able to learn more on your own. Search the "Free Legal Resources" tab, or browse the Consumer Resources. Good luck.