<prompt> Human: As a newly independent adult Ive come to find out that I owe about 4000 to two companies. This has come from a relative using my name for their own gain and ruining my credit score. Ive faced the facts that I will have to be the one to pay this back, but Im not sure where to start or who to go to so I can try to either challenge it or start a payment plan. Do I talk to my bank or try to contact the debt collectors? Any info helps, thanks!  <response>: If you were not the one that incurred the debt, you should not be responsible for paying it back. Read the FAQ about collections for more details 