Am i liable for paying the $1000 dollars? I was under age.
2006-06-30 21:52:36 · 16 answers · asked by Anonymous in Business & Finance ➔ Credit
Im 21 now and i only used it like twice when i was 15. this happened when i was living in California
2006-07-05 13:36:23 · update #1
all my information was true and i did it to get a gift from the store for filling out the application
2006-07-05 13:39:07 · update #2
well that's a tricky question. did you lie on the forms about your birthday ? they could report you for fraud or file charges on you for fraudulent attempt to gain credit or misuse of it. but it depends on what state your in. they could take you to court a get a judgment on you and garnish your parents wages. but if you didn't lie about your birthday.it will just show on your credit report for 7 years.
2006-06-30 22:00:34 · answer #1 · answered by csfd531 5 · 0⤊ 1⤋
Let’s address your last questions first. I’m afraid it’s unlikely your insurance company will cover the procedure. Gender reassignment surgery is excluded from coverage under most health insurance plans. In order to find out if the procedure would be covered, you and your doctor would need to submit a pre-authorization request with medical records, etc, to help make your case. The insurance company will then look at your request and compare that with what your policy covers, and issue a decision. Do this before you have any surgery, so you’ll know what you’re dealing with. As for the cost of the procedure, it’s hard to say. It would depend on a lot of factors, but you can be sure it would be in the tens of thousands of dollars. And even if your insurance company agrees to cover the surgery, they probably won’t cover every cent of it. It’s possible there could still be substantial patient responsibility in the end – possibly thousands of dollars toward deductibles, coinsurance and copayments. Now, assuming the insurance company agrees to cover the procedure, can you do this without parental consent? Possibly, though the rules and laws on this sort of thing can vary a lot from one state to another. Certainly, once you turn 18 that’s not an issue. But, to be clear, you can’t really keep it a total secret from your parents, since they will receive a statement of benefits from the insurance company showing that you received some kind of service, and also showing some of the prices involved and whether there is any patient responsibility in the end. If you haven’t already, I recommend reaching out to a local LBGT or transgender youth support network. Someone at one of these organizations may have experience dealing with the health insurance, legal, and surgical issues you’ve identified here. Best wishes.
2016-03-26 23:52:35 · answer #2 · answered by Anonymous · 0⤊ 0⤋
You are likely liable but the more important issue is how old are you now? If this debt is from a few years ago and you haven't been paying the minimum each month, it's likely been charged off (basically the issuer wrote off your debt as a loss). Get a copy of your credit report and find out if it was indeed charged off. If it was then forget about paying it because the damage to your credit has already been done and paying it off won't change that. It will be stuck on there for 7 years!! If it hasn't been charged off then you are better off paying it!
btw...if you are being harassed by a collections company, just ignore them, no matter what they try to tell you, they can't do a damn thing. All they can do is harass you!
2006-06-30 22:01:22 · answer #3 · answered by Sinurgy 3 · 0⤊ 0⤋
Your parents will be liable for the charges.
Are you now over 18? Have you used the card since you turned 18? If so, you have essentially made the contract legal by using it as an adult.
Did you lie about your age on the application? That could bring charges of fraud against you. They'll be less likely to do this if someone (your parents) pay the money they are owed.
2006-07-04 04:42:37 · answer #4 · answered by Mama Pastafarian 7 · 0⤊ 0⤋
You really need to consult an attorney. Normally, a card should never be issued to a minor without parental consent, and if one is, the creditor is usually liable for the incurred costs. Hope that helps.
2006-06-30 21:56:29 · answer #5 · answered by Greg 5 · 0⤊ 0⤋
Nope. Legally no one under the age of 18 can be contractually bound. It’s their loss for assigning a credit or debit card to you…unless you misrepresented yourself at the time you got the card. Then they can have a judgment rendered against you that would be enforced once you turn 18, but would also accrue interest until that day.
2006-06-30 21:58:04 · answer #6 · answered by Valag 3 · 0⤊ 0⤋
If your parents did not sign then they are not liable, also being under 18 the card company have no contract with you so you are not liable either.
2006-07-01 01:01:43 · answer #7 · answered by joe_the_pict 1 · 0⤊ 0⤋
Im not sure about the laws in your country, but I would imagine you could threaten them with going public that they gave a minor a card without checking proof of age, or gaining parental consent. You could quite possibly bluff your way through it, but remember, honesty generally wokrs out better in the end, so if I were you, Id be telling the oldys before they find out another way. Although they will probably rant & rave about responsibility, they will eventually realise that you had a certain level of maturity for you to approach them with it first. I dunno, I never got along with my parents but good luck, what ever happens :o)
2006-06-30 21:58:47 · answer #8 · answered by Mrs D 6 · 0⤊ 0⤋
Legally, your parents would be, but they (your parents) can press charges against you. Maybe you can get a Summer job and help pay your parents back.
2006-06-30 21:55:54 · answer #9 · answered by Anonymous · 0⤊ 0⤋
How and Why did you get a credit card. You should pay everything you have purchased.
2006-06-30 21:56:24 · answer #10 · answered by serenitynow 3 · 0⤊ 0⤋