<prompt> Human: I got a voicemail from a debt collector on my cell phone that knew my full name. As far as I know I dont have any outstanding debts except my car, and Ive been making all my payments on time.How do I check where this debt is coming from?  <response>: Check your credit karma report. If there are no collections listed, ignore this person. If there are collections listed, contact the debt collector listed on your credit card report and ask they verify the debt. 