My ex and I broke up late last year. She wanted to go out constantly and I did not, our lifestyles just weren't compatible. She lived at my house and I didn't make her pay anything as I make significantly more than her. What really sucked was that if she really wanted to, she could have essentially squated in my house for months while I'd have had to file eviction papers. In the end, I paid for an apartment deposit and first month's rent on a place for her.

I hadn't spoken with her at all until a week ago when I got a collection notice in the mail. The credit card I literally don't use and only had for emergencies was maxed out and charged off. When I looked into it, I found it had been maxed out by March of this year. When I downloaded the statements, it's all fast food, Victoria's Secret and grocery stores. Also found the card was missing.

I texted her asking about it and she called me and said she did it because I left her with basically nothing and she needed back on her feet. She then said I was lucky she didn't sue me for emotional distress. I hung up because she literally has sued coworkers, twice, and got settlements both times.

I'm thinking of just going to the police and letting them deal with her. My credit score has dropped about 200 points in a year. Any other advice I might be missing?

Edit - I filed the police report and I'm sending the information to the credit bureaus tonight. There were a lot of questions about her previous lawsuits, one was for harassment and the other for sexual harassment. They were both iffy cases but both businesses settled. I probably should have been watching my credit better. This was the first time in probably a year and a half that I even checked my credit.