[lbourdages]

I don't think it's that bad but I've seen it happen. A relative was contacted several times over weeks about debt that they never had taken; turns out the real debtor had a similar (but not identical) name and lived hundreds of km away.

[freebee56]

That is good to know. My only experience with this stuff was in university where someone defaulted on a credit card from a big five bank. They called them up and overall managed the process pretty well.