Abstract: The present invention is directed to polymeric treatment preparations for textiles and other fibrous substrates that impart water and oil repellency to fibers, yarns, textiles, or other fibrous substrates. More particularly, this invention comprises an aqueous solution, emulsion or suspension of (a) a fluorinated polymer that contains reactive groups that can complex with metal atoms that have a formal charge of 2 or greater, and (b) one or more metal atoms that have a formal charge of 2 or greater. The invention is further directed to the process for treating fibrous substrates with textile preparations in one step that provide water/soil repellency that is durable to repeated cleanings and to abrasion. This invention is further directed to the yarns, fibers, fabrics, textiles, webs, finished goods, or nonwovens (encompassed herein under the terms “textiles” and “fibrous substrates”) treated with the textile-reactive water- and soil-resistant preparation of the invention.