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You need to prove to the people trying to collect the debt that you are not who they think you are and that you are not legally responsible for the debt. If you stay calm and ask them what paperwork or documentation they need to prove your identity, they should be willing to work with you and get everything sorted out. If not, ask to speak with a supervisor. If you yell and throw a fit, they probably won't be willing to work with you.

Also, be aware that if the debt belongs to a spouse (unless you are legally divorced), child, or deceased family member, you might actually be legally responsible for their debt.

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14y ago

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