I had an HTC Incredible that had a little touch nipple thing at the bottom-middle of the screen. It functioned like a Thinkpad nub and was pressable for a click. So far that is the best text selection method I have seen on a cell phone.
Is this why most password entry forms in Android do not allow use of the Swype-type keyboard? I always thought that was strange. Now it makes more sense....backdooring
I've lived in houses before, stuff tends to break over time....keep that in mind. As long as more than $3600 worth of stuff doesn't break within 5 years you are good. Probably depends partially on the age of the house.
I agree with dungle6, whose comment is now dead. I say screw them and don't pay. Ignore collections for a few years and don't be a wuss about your credit score. Problem solved.