<prompt> Human: Basically as soon as I turned 18 my mother took it upon herself to open 2 credit cards. I opened one target when I was 19. When I was around 21 I got a Victoria secret card. However, when I did a credit check I had 9 credit cards. I also had an inquiry on a water bill opened when I was 7 years old.2 years ago I lost my job. I called the card companys and they could care less. Told me to have a year sale. I have no housing or food but Ill have a yard sale for you.Im current 14,204 in debt. My credit score is 491.What the hell can I do? Do I consolidate? For my mom, Im not gonna sue her. Mostly because I live with her and shes insane.Any advice?Tl,dr: mom opened lots of shit in my name. Then I lost job. In debt!Assistant: Everything is in collections. I just pay them? The two I googled had all negative reviews.  <response>: Were those reviews written by other people that were taken to collections? I wouldnt put much thought into those reviews. Those folks are upset at the wrong people.Dont be upset at the company for telling you to have a yard sale or whatever. In this case you should be upset with your mom. Its not the collection agencies fault that she opened up multiple cards in your name. Just like the folks that wrote those reviews should be upset at themselves or whoever created the debt they need to pay off. 