<prompt> Human: in 2009 I went to the Art Institute of Tampa and after a couple semesters i was called in to financial aid where they informed me that the paperwork I signed was lost and because of that I had to sign up for a new loan with a different co-signer and had to within that day or I would have to be removed. Needless to say I was not able to find anyone to co-sign the loan and I was marched aroundliterally to each department heads office and they had to sign a paper saying i wasnt a student anymore or something to that effect. years later I now owe said school 20,000 for schooling I barely received and now its at a debt collector, is there anything i can do?  <response>: the paperwork I signed was lost what paperwork? Its possible that if they lost that paperwork, that you may never have had a contract with the school, and potentially owe them nothing.Without any details, this sounds pretty fishy, and it may be useful to consult with a lawyer. 