<prompt> Human: So last night I saw a call from an unknown number in Texas we live in the Midwest. I picked it up and right away they gave me a speal about how this wasnt a sales call and they were trying to get in touch with Jamie fake name. Jamie is my boyfriend and we live together in a house that Ive bought and is solely in my name. I kind of panicked and hung up because I thought the call was so strange and I didnt know what to do. We were extremely puzzled because he hasnt changed his address with the secretary of state and he doesnt get much mail to the house. The only way I can think they tracked me is he does have mail sent to our house from the college he attends. But even then, we arent married and we dont have too much up on social media.Anyways, I started to get worried because to the best of his knowledge, he shouldnt have any holds on his credit. He is pretty anti-credit card he doesnt use them at all and the only outstanding debt he was aware of is for his car. I had him check his credit report on creditkarma, and sure enough there were four debts sent to collections. They are:- His old apartment from before he moved in with me. They say he owes 800. He told me that one time they posted a noticed on his door randomly saying he owed money a while back, but when he asked them why, they made up some bs reason. He didnt damage anything in the apartment and he told them he wasnt going to pay it and to remove it from his account. They said they did, but maybe they didnt? It just seems like a very shady management company.- A Citibank credit card for 1800 sent to collections in Nov 2015. As I mentioned before, Jamie does not have any credit cards. He said that he has never even used Citibank before. He suspects that his ex-wife couldve opened this account, that was right around the time their divorce was finalized. However, we do not know for certain that it was her.- Two charges for a veterinary office in a state that neither one of us have ever been to totaling about 800. We believe this to be completely fraudulent. We do have a dog, but we have literally never been to the state the office is located. So my question to you is how should we deal with each of these issues? Also I am extremely aggravated about that phone call I received. We are thoroughly creeped out about how they got my information, and Jamie says that he hasnt received any calls from them. If they were to call again, how should I deal with them on the phone? Not sure if this is worth mentioning, but I have excellent credit 760s and am in good standing with everything I owe. Thank you so much for reading and any advice you are able to provide!  <response>: I kind of panicked and hung up because I thought the call was so strange and I didnt know what to do.?? How is that a normal reaction? Someone asks you for your boyfriend on the phone and thats enough to send you into a panic? Also I am extremely aggravated about that phone call I received.What do you think phones are for? So my question to you is how should we deal with each of these issues? Well, it sounds like Jamie made the worse possible decision and just ignored them. That is never the right thing to do. He needs to grow up and start making calls and figured out what happened. He needs to contact each of the original creditors and straighten out the charges. If they are fraudulent he needs to notify the creditors, dispute the charges with the credit agencies, and notify the authorities. Basically, he needs to grow up and start handling his responsibilities like a big boy. Not sure if this is worth mentioning, but I have excellent credit 760s and am in good standing with everything I owe. Since you are not married but just playing house, nothing he does is going to impact your finances at all. 