Credit Reports
Improving Your Credit Rating
Medical Billing and Coding

If you were a minor and you have an unpaid medical bill can it legally be sent to a collection agency and then held against you when you turn 18?


Top Answer
User Avatar
Wiki User
2005-09-28 17:09:58
2005-09-28 17:09:58

No. If the bill was incurred when you were a minor, then the bill is your parent's responsibility. It would be illegal to put it on your credit report.


Related Questions

No. A collection agency may not legally make any false claims. However, they may have obtained a judgement by default if you failed to answer a summons.

A collection agency legally require the amount of the debt, plus any other charges/penalties incurred in the collection of the debt.

With a judgment and execution, the sheriff can. Without it no. But the collection agency can never legally access it. However, there are ways to do it illegally. Can the creditor do it... ? If you have a citizens acct and a debt with them, then yes, they can legally access whatever accounts you have with them. But a creditor can't just get access to you bank accounts. (I own a collection agency)

If the bill was late enough to be sent to a collection agency, the collection of that bill has been turned over to that collection agency as well.

Yes, unfortunately a collection agency can charge interest and other fees when they obtain a debt.

A collection agency cannot call your employer to garish your wages. In order for your wages to be garnished, you must be sued by the collection agency. And the agency must win a judgment against you.

The collection agent would have to file a lien against your assets, AND prove their case, but, yes, if you have verifiable unpaid medical bills a lien CAN be placed against your assets by the court.

If they've sold your case to a collection agency, they have been "paid" for your debt with the money the collection agency gave them for your case, so, no, they can't legally sue you - as far as I know.

No they can't it's against the law. However the original creditor is allowed to add collection fees as long as the underlying contract allows for it. For example medical intake forms often allow for interest and collection fees.

No. You are not legally required to supply any information to a collection agent or agency.

Yes the second collection will be placed on the credit report. But they will remove the first collection agency off the report. In some states it is against the law to be double billed by two collection agency for the same debt.

A Commercial Collection Agency is and agency that collects debt on behalf of their clients, same as a consumer collection agency, but a commercial collection agency collects business to business.

Yep! If the ambulance company turns your account over to a collection agency that agency might report the collection on your credit. Medical collections are the most common type of collection on a credit report.

Yes, if they sue and receive a judgment against the debtor then a lien can be placed against real property or a portion thereof owned by the debtor.

Yes, they can collect from the parents or legal guardian.

if a collection agency has not bought out my debt from the original company can the collection agency look up my credit report?

Not legally, no. Call them and demand they replace your funds.

Some creditor services that First Recovery Solutions collection agency offers include Medical Debt Collection, Third Party Debt Collection and NSF Check Collection. You can learn more at the First Recovery Solutions website.

No - they will have notified you in reminder letters that they may do that if you continue to default on payments. When they actually instigate the action, they don't have to tell you they have done so - the collection agency will simply write to you - and tell you they've taken over the case, and all communication with the medical company must now stop, as you're now dealing solely with the collection agency.

Yes, unpaid medical bills will be reported to credit bureaus not to mention the collection agency that the medical facility will pursue.

A collection agency can charge you fees on top of your original debt. They can charge you a fee for their collection.

Absolutely not. A collection agency can only demand payment of you. If you think the collection agency with which you're dealing is acting unethically, you should check out the Fair Debt Collection Act. You can file a formal complaint and the agency can be fined. * Legally they cannot "demand" anything, they can request, they can debate, they can negotiate, assuming the debtor wants to spend the time engaging in such, but they cannot "demand". The debtor always has the option of hanging up the phone and refusing to communicate with a collector or creditor, as there is no U.S. law that requires the debtor to do accept nor particpate in collection calls.

Yes, it is legally possible to file a lawsuit against any federal agency.

Copyright ยฉ 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.