Legal Question in Credit and Debt Law in Kentucky

You don't need a signed writing to be responsible for repaying an obligation. If you can prove it was a gift and not a loan or other debt, then you could win. But most people don't "give" their friends large sums of money without expecting repayment, so "your word against hers" won't keep you from getting a judgment against you. If you accepted money from your friend with the agreement to pay the money back, you should pay it now before you're sued, otherwise you could incur interest, court costs and attorney's fees.