Sure, action may fail in court, but creditors aim for settlement and will drag any person they can find through a very long and expensive process. Best avoided.

This person is not your friend. You are being scammed and set up. You need to never speak with them ever again. Sorry to say but grow the fuck up and fast.

I do my own SEO, Google etc. there is no special tricks anymore. Agencies are a waste of money. You are better off doing it yourself and spending half hour a week on it.

As other have said. Be professional and respond like a robot would. In fact, why not ask one! Keep it short. Also, try to get a heap of positive ones - they drown out negative reviews which you WILL get regularly.