ANSWER:
Issue: Oral agreement; without proper documentation of what was agreed upon.
Decision: Avarice will loss the case, and Joe will be set free by the court.
Support: Because Avarice does not have any valid prove to show that Joe accepted to repay Bob loans in case he fails to pay up, the court will assume Avarice is forging a claim on Joe. A withiness only comes to court to testify the validity of a prove. Because Avarice does not have any prove, the witness is as good as nothing.
The court will dismiss the case because Avarice became unethical by granting the request made by Joe without any signed agreement or recorded call conversation.