Basically what happened is that my dad used my credit card to purchase some items (i don't remember what now) before I even moved out the house. He never paid me back and I have actually never used the card myself. At the time I had no money as I had just started college. From then it was just a matter of getting started in life with only the money I made. Long story short, I am now being garnished for a debt I never personally racked up.