13-year old hospital bill

by Boss
(Illinois)

Can you be sued 13 years after a hospital bill you thought was payed off by your parents when you were 17

Comments for 13-year old hospital bill

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Apr 20, 2012
13-year old hospital bill
by: Debtcollectionanswers.com

You cannot be sued for a debt that was incurred on your behalf when you were a minor. In other words, if you were in the hospital when you were just 17, legally you were considered a minor (a child) and therefore your parents were responsible for paying the debt, not you. Therefore, if the debt was not paid back then, the hospital or a debt collector is not entitled to look to you for payment. They must look to your parents for the money.

Also, the statute of limitations (SOL) on a debt that old has run out. This is the amount of time a creditor or collector has to sue someone to collect a past due debt. Once the SOL on a debt has run out, a consumer can still be asked to pay the debt, but the consumer cannot be sued for the money.

If you hear from the debt collector again about the hospital debt, write him a letter telling the collector that you do not want to be contacted again. Make a copy of the letter for your file and send the letter certified mail with a return receipt requested. Save the return receipt.

Once the collector receives your letter, the federal Fair Debt Collection Practices Act (FDCPA) says that he cannot contact you again. If the collector does, then he has violated that law. The collector is also violating the law if he threatens you with a lawsuit. In both instances you may have grounds for a lawsuit against the collector and so you may want to schedule a free consultation with a consumer law attorney. You may also have grounds because the SOL on the debt has expired.

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