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It seems that mom used your name and Social Security number to get that credit card. If at the time you were under the age of 18 (since this happened in 2007 and you're 21 now, it could go in either direction), she must have also forged your date of birth to appear as though you were an adult. When the account was opened, she began charging but didn't pay the bills. As the card is in your name, Capital One began reporting the missed payments and overdue balance on your credit reports.

Read more: http://www.creditcards.com/credit-card-news/erica-sandberg-mom-dad-identity-theft-debt-credit-card-1377.php#ixzz3RMSBUc4x
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What's crazy is a couple years ago I threatened to file bankruptcy and everyone I owed sent me letters saying that if I pay like 10% of the debt they considered it cleared. Otherwise I probably would've did a ch.7. I had bills in my name when I was like 7.

Parents put bills in your name ??

Yep. I had SBC global hunting me down forever. That was their name in like the 80's and 90's. Now they are......... AT&T

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legally,any contract with a minor (under 18) can't be enforced.

Technically, if contract is under her name, you don't have to pay it and they can't sue.

But I still can't see how they can do that, since when you apply for a service it clearly states that person must be of age of 18 or older.

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legally,any contract with a minor (under 18) can't be enforced.

Technically, if contract is under her name, you don't have to pay it and they can't sue.

i was told this by my business law professor

On 5/8/2011 at 7:38 PM, Kranny said:
On 5/8/2011 at 7:35 PM, 'Maxim' said:

It hurts me inside when I read stuff like this and remember you're 15

LMFAO so true

:blush:

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Electrical :Singer 260A Alt & JY Power Lithium

 

2005 Chevy Colorado Ext Cab

Headunit: Pioneer 80PRS

Frontstage: 4 PRV 700Ti Tweets & 6 10" Delta Mids on 3000wrms

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legally,any contract with a minor (under 18) can't be enforced.

Technically, if contract is under her name, you don't have to pay it and they can't sue.

i was told this by my business law professor

brb going to get little leo to buy me amps and caps

2002 Honda CR-V
Alpine 9887

My Build

Rebuilding...

Second Skin Damp
4 DC XL 15's
2 DC 5ks
Singer 320 amp
6 cap banks
Sky High wire
2 VM-1's
OM-1

all under window line

Team DC Audio

Obama has a law he's trying to pass right now, trying to ban Leo for being a threat to children everywhere.



EDIT: Not in a JP kind of way.

I thought I was going to die from all the jizz filling my ears.

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legally,any contract with a minor (under 18) can't be enforced.

Technically, if contract is under her name, you don't have to pay it and they can't sue.

i was told this by my business law professor

brb going to get little leo to buy me amps and caps

hmm... while he's at it... ;)

On 5/8/2011 at 7:38 PM, Kranny said:
On 5/8/2011 at 7:35 PM, 'Maxim' said:

It hurts me inside when I read stuff like this and remember you're 15

LMFAO so true

:blush:

Mitsubishi 3000GT (Old Build)

Headunit: Pioneer 80PRS

Frontstage: (2) McLaren Audio MLT-2 Tweeters & (4) PRV Audio MR Series Neo 6.5" Mids

Substage: 4 15" Hybrid Subs - Tantric Motors & Sundown Softies

Amps: Banda 2.4D Amp (Tweets), American Bass VFL 350.4 (Mids), and (2) Ampere 3800s

Electrical :Singer 260A Alt & JY Power Lithium

 

2005 Chevy Colorado Ext Cab

Headunit: Pioneer 80PRS

Frontstage: 4 PRV 700Ti Tweets & 6 10" Delta Mids on 3000wrms

Substage: 6 Fi BTL 18s in a 4th Order Walkthrough on 3 Wolfram 4500s

Electrical: Singer "390" and JY Power

My Official Feedback Thread

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legally,any contract with a minor (under 18) can't be enforced.

Technically, if contract is under her name, you don't have to pay it and they can't sue.

i was told this by my business law professor

brb going to get little leo to buy me amps and caps

might as well get a lawyer for committing a wire fraud and bunch of other stuff involving a minor.

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