What is the name of your state (only U.S. law)? washington state. I borrowed a loan from a friend 4 years ago and friend knew I would not be able to pay back monies, however we verbally agreed I would work it off, cleaning her home, babysitting and various other chores. I did this for 4 years. She is now harassing me for the monies I owe her. She is threating to take me to small claims court. Please advise,