Legal Question in Credit and Debt Law in Alabama

Mother placed bill in minor's name
While I was still a minor, my mother placed my name on an electric bill. I've cooperated with the company the bill was from and informed them that I never authorized my name to be used to establish an account. Now I have a collection's agency threatening to report it to national credit agencies, and unfortunately, I don't know the legality behind their attempts to persue the debt. I now live in Delaware, and I was not occupying the residence where the services were rendered at the time they were rendered.

Asked on 5/28/08, 4:32 pm

John Watts Watts Law Group, P.C.

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Re: Mother placed bill in minor's name

If it is not your account then the threat to place it on your credit report violates the Fair Debt Collection Practices Act.

http://www.alabamaconsumerlawblog.com/2008/04/when_can_an_alabama_consumer_s_1.html

http://www.alabamaconsumer.com/PracticeAreas/Creditor-Harassment-Fair-Debt-Collection.asp

Have you pulled your credit reports to see if this collection agency has put it on your reports or has made inquiries which will lower your score?

http://www.alabamaconsumerlawblog.com/2007/03/first_critical_step_to_correct.html

When did you move to Delaware? Where is the collection agency from?

Feel free to contact me directly if you have any questions.

John Watts

Answered on 5/29/08, 8:12 pm

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