I came across this site while searching for answers to my problem. I am hoping someone can point me in the right direction. Yesterday I got a call from an attorney's office, looking to collect on a debt that I knew nothing about. Turns out it is for a family member who I cosigned a student loan with a few years ago. They defaulted (unknowing) to me, so this attorney company is looking to collect from me. They told me that I was responsible for it now that the other person didn't pay. This particular loan isn't on my credit report, but, under the law, am I legally responsible for it? When I talked to them I told them that I didn't know about the loan. They asked my about 20 times if I was disputing it. I didn't give them and answer either way, because I didn't know what to say. It seemed like they were adamant about me saying that I was disputing it. They kept saying they will have to validate and send me some letter or something. But I’ve been reading about this particular law form, and they are known to “send letters” than never make it to their intended targets, then win default judgments or summary judgments against people who don’t fight back or show up. Can someone please advise me what steps I should take next? The loan amount is $7500.00. As for now I have only talked to them over the phone, and I have not said I was responsible for the debt, and the co-signer has also spoke with them, he didn’t admit to anything either. If the next step is that they send a letter, how do I make sure it actually comes to me? Do I need to send them some sort of certified letter stating what I want? Please help!!