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  1. #1
    Join Date
    Jan 2010
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    2

    Default Can a Collection Agency Come After Me After I Am Not a Minor Anymore

    My question involves collection proceedings in the State of: California

    Hi, I'm new and so far it seems like a great website!

    I had a paypal account and was frauded by someone on ebay. My account was down 1200. I was 15 at the time and was therefore a minor. I am now 22 and received a letter from a collections agency saying that they are willing to settle at 600. I understand that minors can not enter into contracts. So I called paypal and told them I was a minor. The guy looks at my account and says that he sees that I was a minor at the time so they waited until I became 18 to send it to collections. I asked him if this is legal, and he said yes.

    I want to know if it is legal for them to this and if they can actually come after me to collect the money. If not, what steps should I take to resolve the matter?

  2. #2
    Join Date
    Apr 2009
    Location
    Inland Empire
    Posts
    1,410

    Default Re: Can a Collection Agency Come After Me After I Am Not a Minor Anymore

    Quote Quoting Just632
    View Post
    My question involves collection proceedings in the State of: California

    Hi, I'm new and so far it seems like a great website!

    I had a paypal account and was frauded by someone on ebay. My account was down 1200. I was 15 at the time and was therefore a minor. I am now 22 and received a letter from a collections agency saying that they are willing to settle at 600. I understand that minors can not enter into contracts. So I called paypal and told them I was a minor. The guy looks at my account and says that he sees that I was a minor at the time so they waited until I became 18 to send it to collections. I asked him if this is legal, and he said yes.

    I want to know if it is legal for them to this and if they can actually come after me to collect the money. If not, what steps should I take to resolve the matter?
    It certainly is, and they certainly can.

  3. #3
    Join Date
    Apr 2009
    Location
    Somewhere near Canada
    Posts
    35,894

    Default Re: Can a Collection Agency Come After Me After I Am Not a Minor Anymore

    Yes, it's perfectly legal.

    Snap, Antigone

  4. #4
    Join Date
    Jan 2010
    Posts
    2

    Default Re: Can a Collection Agency Come After Me After I Am Not a Minor Anymore

    Thanks for the help guys. How is it legal for them to do this? Wouldn't the contract with them be void since it was "signed" when I was a minor?

  5. #5
    Join Date
    Mar 2007
    Posts
    9,096

    Default Re: Can a Collection Agency Come After Me After I Am Not a Minor Anymore

    Quote Quoting Just632
    View Post
    Thanks for the help guys. How is it legal for them to do this? Wouldn't the contract with them be void since it was "signed" when I was a minor?
    Nope........

  6. #6
    Join Date
    Jan 2010
    Posts
    17

    Default Re: Can a Collection Agency Come After Me After I Am Not a Minor Anymore

    You may want to check the statute of limitations on this. If the debt is time barred,which it looks like it is then technically you still owe it but no legal action can be taken. If they do sue you on a time barred debt, you can countersue them for violations of the FDCPA.

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