My question involves collection proceedings in the State of: GA
I have Williams and Fudge on my tail telling me I owe Cadek Conservatory (a University music conservatory in Tennessee) $645. I attended this school when I was 15-16. My mother signed me up with the school's tuition payment plan. She apparently stopped paying in January of 2002. I received this notice a few months back. They told me that regardless of the statute of limitations, it is educational debt and because my social and record of being there are on file, they will take me to court and issue a garnishment.
I find it hard to believe that a debt can be enforced on someone who was 15 at the time I registered with the school. If that is possible, you are telling me that a minor can walk into a school and say sign me up, here is my social security number and that's alright? Would the parent not be responsible for the debt? Furthermore, the last activity on this account was over 6 years ago (the statute of limitations in TN is 6 years on a written contract). Williams and Fudge explained that this is educational debt and therefore, no statute of limitations exist. I did a little research and I found that educational debt is whatever is federally funded. I registered with the school, they said the tutition was x amount and my mother arranged a payment plan. I did not apply for a loan. It was simply a fee that needed to be paid and she couldn't do it at the time. As unfortunate as it is that they did not get paid, why should I be responsible? Why wait 6 years to collect? With all due respect, I would pay it if I had it, but you of all people should know, this debt collector is beyond reason. Although it is not his job to explain it to me, I simply can't understand how a minor at the time would be responsible for this.
Is this possible? Are they just trying to scare me? Is my mother not responsible for this since I was a minor at the time and did not know my social was going on record? Consent? What can I do? Thanks.