Paperwork may only be as good as the breeder, but paperwork holds up in court. Don't see why you'd want to sue over like $125 for a normal het albino, but for some of the higher-end hets or a morph that's het for another morph, I can see it. Even if you got it from a shady breeder, the breeder's still responsible if they guaranteed a het animal.

Always get everything in writing.