I never agreed to be a cosigner for a person that i met at a party. She happens to be my roommates friend. She used my info to be a cosigner. She made payments on her loan and has since defaulted. Now I am receiving calls from a collection agency and this has ruined my credit! She begged me not to file fraud charges and wrote me a note promising to repay the loan. A lawyer told me that I should not be liable and it should be her. But I want a second opinion. Do I stand a chance if I sue her to be removed from the loan?