I came home today and received a letter addressed to a Margurett Doyon from a collection agency about a very very large amount she owes MBNA credit cards. I've never had an MBNA credit card and am not related to anyone by this name (or related to anyone in the entire state of Texas for that matter). I called the collection agency, but got an answering machine. I'm totally freaked out. What do I do? Should I call the police?