Yesterday I got the mail and there was a letter for me from a law firm. They represent an insurance company that I've never heard of and neither have my parents. They want about $20,000 for property damages. Problem is, I have no idea what it's for and can't think of a single thing I've done that an insurance company would want that much money from me.
I called the insurance company and they don't have my name on file, according to the lady I talked to, so I had to call the law firm again. Everyone I call there isn't allowed to talk to me and they have to wait for a certain guy to come in because "he's the only one who can handle it." They told me he comes in late on Thursdays so I waited a few hours and called back. Next person I talked to said he's not coming in at all today lol.
So, someone wants $20,000, the reviews I've read on the law firm say they don't accept payment plans and I'm only a 19 year old college student with a minimum wage job. The only thing that's stopping me from worrying so much is the fact that the letter has no information on what has been done and doesn't even directly confirm if I'm involved at all.
"No attorney has evaluated your case or made any recommendations regarding the validity of the claimant's claims..."
"It is believed that you may be responsible..."
Some of my friends have told me it's probably a mistake and nothing to worry about. So I guess my question is, has anyone gotten anything like this before when they didn't owe/do anything? Obviously if you don't pay your debts you'll start getting letters and phone calls (personally I haven't gotten phone calls, just one letter). But I don't have any debts lol. And I know I didn't do any property damage. It's just scary when you get something like this in the mail and you know it'll be impossible to pay.