Good morning Rolando,
I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today.
Quite simply, if your friend agree to the original promissory note, and accepted that in exchange for the loan, then they cannot unilaterally change the terms of the repayment agreement. The fact that they sent a text informing you that they wanted to change the terms of the note does not mean that the terms have changed. A change in the terms of the note would have to be accomplished by the execution of a new note, or at least a written addendum to the note signed by you in which you agree to a different payment plan.
You are bound by the written promissory note that you signed and gave in consideration for the loan made. The text message is not a written document and cannot be used to modify a contract.
Texas law, Texas Business and Commerce Code, Section 26.01, requires that any contract which will not be performed within one year from the date of making the agreement must be in writing. Here ihttp://law.justia.com/codes/texas/2005/bc/***-**-****26.00.htmls a link to the law: A text message does not constitute a writing under Texas law.
So yes, you are still bound by the written Promissory Note that you signed, but not by the text message that you sent.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
I hope that I have been able to fully answer your question. As I am not an employee of JustAnswer, please be so kind as to rate my service to you. That is the only way I am compensated for assisting you. Thank you in advance.
I wish you and yours the best in 2016,