Thanks so much for everyones advice & support

Thanks so much for that will take your advice:)

Hi I am new to this but there seems to be so much advice I hope someone can help me Today i recieved a letter "the occupier" fro a company called Ruthbridge Ltd. Have googled it to find it a debt collectng agency. They have asked me to call them, but have speech difficulties this is not easy. Any advice? The letter doesnt give any details of the debt or my name. But over the past 5yrs since splitting with my partner have had several debt agencys contact me regarding things we had together & he told me he was paying them as he was the one working whilst a raised the kids & I have ended paying them all & finally thought was free of it all & life was back on track ANy advice would be so helpful as am now terrified am back to square one Thanks