Okay, Max Recovery buy bad debts from banks and other financial institutions really cheap and then chase it up and get whatever they can from it. If they have sent you a letter then chances are that your boyfriend has a credit card or other debt that he has forgotten about. He really needs to contact them and get it sorted out. If he doesn't it won't go away but will be hanging around forever and his credit rating will never have any chance of improving. It's tough but it sounds like he's trying to sort his problems so if he is, he should sort them all. Good luck with it all!