<prompt> Human: Long story short, my brother, who is addicted to meth please never do drugs kids opened a credit card in my name. I received a bill from a collection agency for around 3500.Ive tried contacting my brother regarding this but the conversation went nowhere until he finally admitted that he needed the money and that I should just pay it. He also had the audacity to ask to borrow money from me. Needless to say Im not lending him a dime and Im not paying this bill. What are my options?  <response>: Sorry to hear this happened. Your brother likely either cash advanced or bought gift cards or liquor or equiv with your card, converted it to , and spent it on drugs. Likely the same will happen if you give him .Have a friend who was there with alcohol, and although hes thru rehab and sober now 9th rehab I believe, hes now able to admit apologize for the time being about how convincingly he lied to get what he wanted.If youre up to it then IMO file a police report on brother so you wont have to pay the debt and it may be a baby step in his eventually getting clean.If you just pay it youve 1 allowed your credit to be hurt big time, and 2 effectively just given him that 3,500 to blow on drugs without consequences.P.S. If he did it once he could do it again. Freeze your credit too by locking all 3 credit bureaus. 