<prompt> Human: So I moved from my apartment in Charlotte back in may but had gotten someone to pay a portion of my room and I paid the rest to my ex-roomate. Come to find out September he never paid and we had an eviction. So I contacted him and he was going to get a loan to pay it off, which never happened. In 2 weeks my credit is going to shot and Im not sure what to do or where to go. I dont want to take out a loan to pay off a debt thats not fault when I already paid. Anyone have any suggestions? The debt collector wont let me sign off even though he did admit to them this is all his fault  <response>: Unfortunately the rent is owed to the landlord not the ex-roommate, even though that was your agreement with your ex-roommate. If your name is on the lease, you are the one responsible. Its best to pay the past due rent to the landlord and then work on getting it from your ex-roommate.In a sense it is your fault. You passed along the responsibility of your rent to another person. 