Can this happen?

[Schoolbuskid]

Thanks Scarlet!

[Schoolbuskid]

Even after i send this letter what if they still dont remove it, then what?

[Anonymous]

File a complaint with the FTC, your State AG, their State AG, etc....

you could not legally sign a contract (and needed parental permission to be treated) - so whoever signed is on the hook for this.

[Anonymous]

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@Anonymous wrote:

they should be able to do the math. Your dl will have your date of birth.

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With some bill collectors I've dealt with in life, this is a rather dubious assertion.

But yes, that would constitute legal proof of your age...if the CA can't reverse-engineer that, that's on them.

[Schoolbuskid]

Received response from CA and they are still saying that i owe this debt they stated that the OC provided information proving that i still owe it! I have requested my Medical Record from the OC but it takes 5-7 business days for them to respond. So my question is, is it to late for me request a Debt Validation? Also should i wait to receive my medical records before i file a complaint with FTC. Also

can someone point out in the FCRA or anywhere stating that a minor can not be responsible for debts etc?

My other CA agreed to a PFD that i sent, the amount on that account is $197 should i fight it with being a minor or should i just pay for it? I can really prove that i was minor on this account.

Ok just to make sure that i am calculating something right here is a little info about my age.

Birthdate: 12/25/86 i was seen by doctor/hospital in 3/3/04 would this make me a minor according to that date? I wouldnt have turned 18 yet in 3/3/04.

Thanks i just dont want these CA to get over on me if i can stop it !

[Anonymous]

You became an 'adult' and legally able to sign a contract on Dec 25, 2004. 

[Schoolbuskid]

Thats exactly what i knew, but just to say what if i did sign something then where would i stand?

[Anonymous]

Scarlet can confirm, but I believe even if you signed a contract when you were a minor, it is void (i.e., you can't be responsible for it).

Message Edited by masdeocho on 01-17-2008 03:40 PM

[Schoolbuskid]

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masdeocho wrote:

Scarlet can confirm, but I believe even if you signed a contract when you were a minor, it is void (i.e., you can't be responsible for it).

Message Edited by masdeocho on 01-17-2008 03:40 PM

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Awesome so what should my next step be? A DV? A complaint to the FTC, etc?

[Anonymous]

What about the letter sent now for PFD as an adult. Does that make the op now responsible if they agree to the ops terms? I don't know much at all about these laws, trying to learn my self.

I like the FTC. They may be slower than lawyers but it gives you a whole lot of muscle on your side.

Message Edited by ilovepizza on 01-17-2008 04:12 PM