<prompt> Human: Okay never posted here before but here goes. Im a 22 year old male just graduated in accounting. I work, making around 40k a year, but only started working a month ago. Heres where Im having a problem.Yesterday after work, a guy calls me saying he represents an insurance company and that theres a 363,000 dollar balance over my head due to an apartment fire and my negligence. He asked if I was going to declare bankruptcy. I told him I was driving and that I couldnt talk. The fire happened over a year ago and the fire Marshall said the fire was accidental, now a year later this happens. Im so confused and scared. Please someone tell me what to do. Ill happily explain more if needed.Edit: thank you for the quick responses. Sounds like I need some more research  <response>: You need an attorney. Stop talking here or anywhere else unless you want it read back to you in court. 