<prompt> Human: Hello everyone,I took out a loan so my friend could buy glasses. She promised to pay it back, and said it was when I started getting threatening calls back in 2011. The calls stopped, so I assumed, foolishly, that she had closed the account and paid it off. I was a young college student and didnt even bother to manage this account, which was my first issue. I had credit in the high 700s, as well, and didnt understand a thing about loans, credit, etc. Fast forward to 2017, I check my score and its horrible, to the point where I probably cant get a loan to save my life now. The Glasses account is still open, I received a letter saying its in collections, and now I owe 1800, none of which I have touched since I dont even WEAR glasses and have never used this account. When I called the collections company back, I demanded they take it up with my co-signer as she promised me that she paid off this loan, and even had paperwork to prove it. Thus far, no paperwork of any sorts has been produced, despite me requesting it from my so-called friend.Im so upset and dont know what to do, and this debt is messing with my credit score and future, and its just sitting there like an ugly, dark cloud.Part of me wants to just settle the debt, and I know my friendship with this person is totally dead at this point and I totally regret ever being friends with her. I want my friend to pay this loan off or handle it, but I know she wont. What should I do? Every time I see this pop up on my credit check it makes me infuriated. Am I totally screwed? I dont want to sue anyone, as I dont have the money to do so.  <response>: This is why we never cosign anything. When you cosign you are saying that you will pay the fee if the other person doesnt.I would negotiate with the creditor to see if you can get a pay for delete: if you pay in full.Once you pay, I would take the other person to small claims court. 