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Can a certified mentally ill person be held responsible for credit card debt?
Wiki User
∙ 8y ago
Was the person incompetent at the time the original agreement was made? If so, then maybe, (just maybe). Believe it or not mental illness is not a defense for not paying your debts. Neither is "I don't have any money." A mentally incompetent/ill person can be sued for a debt. Not, however without a competency hearing. If the court finds it necessary it will appoint a guardian to protect the ill persons' interests. So you can imagine that CCC's, are reluctant to take this route. It is lengthy, expensive, and in the long run will probably accomplish very little.
Wiki User
∙ 8y ago
Yes, a certified mentally ill person can be held responsible for credit card debt if they entered into the agreement willingly and were considered legally competent at the time. However, if the mental illness significantly impacted their ability to make informed decisions, they may have grounds to contest the debt in court. It would be best to seek legal advice in such a situation.
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