[legion]

So...I check the mail today and in it is a letter for Robert G. Pappalardo (name not changed) c/o [my name] at my address.

It's a collection letter for a student loan. Seems Bob is WAY overdue on his payments. I'm also guessing as a delaying tactic, he gave them my name/address to throw them off.

I immediately call the collection agency and tell them Bob does not live here, he never has, nor am I in any way responsible for his (many) screw-ups. They assure me that they found Bob's real address last week (a day after the letter was sent) and they are on him. I believe collection agencies about as much as used car dealers and whores.

Last I checked, Bob was a loan officer for some shady re-fi company in Florida...I'm wondering what he may have done to my credit rating. He called me last week, but I've stopped taking his calls.

What are my options if he has done more than just given a collection agency my name/address. What bull**** should I look forward too?