<prompt> Human: My mother, I think, was trying to be helpful when opening multiple credit cards in my name. My credit, at 24, sucks so bad. I have tried so hard to repair it by opening small credit cards and paying them off. But, the debt she has accured in my name is now in collections and Im getting multiple calls about it. I broke down and cried the other night, because I literally do not know what to do. I have considered legal action, but I cannot afford that and despite this, I love my mother. She just made terrible choices. I currently have 2 Credit Cards to help my credit, I just do not know what to do. Thank you all.  <response>: There is no cost to legal action. Youd report the fraud to police and they would go from there. If you arent willing to do that then there really isnt any other choice but to take the hit and pay it off. 