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Question about debt validation and contracts.

Date: Mon, 09/26/2005 - 07:21

Submitted by anonymous
on Mon, 09/26/2005 - 07:21

Posts: 202330 Credits: [Donate]

Total Replies: 6


I have a bit of an unusual scenario. In 2000 my father signed me up for a college course, without my permission or approval. He paid for the course so after arguing I went to appease him. This course was to be paid in four installments by my father, however I stopped attending class due to work schedule in October 2000 and the school withdrew me from classes. The last payment to cover November00 through February01 was due November 1st. Here is the real kicker...The school tried to go after my father for the last payment and after trying for two yrs they dropped the debt with him and decided to come after me. They have only typed documents with my name & soc. sec. # and on the contract where I was supposed to sign it is blank. I never even knew the cost of the course or had any agreement with anyone about the course. Now the debt coll. agency is saying that I had a verbal contract by attending the class. I had them send me debt validation including the contract and everything just proves more that I don't owe the debt but they refuse to take it off my credit report. When I contacted the credit reporting agencies they told me they just use an automated verification system and if they (the collector) states that the debt is valid that is what the reporting agency goes by. They said that I would have to take it up with the debt collector. When I spoke again to the debt collector they told me to take it up with the school, and stated that they were doing everything legally and this debt was valid even if there is no signature on the contract. Any ideas on where to go from here?


Sondra,

It depends upon the terms and conditions mentioned in the contract papers that your father signed. Go through the papers carefully. Does it state that the payment responsibility comes to you by any means? Is there any statement that proves you enter a verbal contract by attending the class?

You can show the papers to a lawyer to be confirmed about the facts. Also ask the collection agency to validate the debt; it will help you understand if you really owe the amount.


lrhall41

Submitted by 4u.bryan on Mon, 09/26/2005 - 12:09

( Posts: 819 | Credits: )


Hi Sondra

Discuss this matter with your father also. Maybe he has authorized you also in the contract which allows the collection agency to contact you.

In anyways, ask the collection agency to give the details of the debt before you consider paying them.

Regards
Roxette


lrhall41

Submitted by roxette on Mon, 09/26/2005 - 12:19

( Posts: 4009 | Credits: )


My father never signed anything, the debt coll. agency said that the school was supposed to have me sign since I was the student but she said it didn't matter because I had a verbal agreement by attending class. How can I have a verbal agreement without having spoken to anyone or even knowing hoe much the class costs?

Also they did send me the payment schedules and receipts from my father's charge card. They also sent me the contract with signature line but they weren't signed by anyone. They were blank


lrhall41

Submitted by on Mon, 09/26/2005 - 12:30

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Quote:

How can I have a verbal agreement without having spoken to anyone or even knowing hoe much the class costs?

Also they did send me the payment schedules and receipts from my father's charge card. They also sent me the contract with signature line but they weren't signed by anyone. They were blank


Do you think that you should discuss this matter with the college authorities? It might save you some bucks.


lrhall41

Submitted by roxette on Mon, 09/26/2005 - 13:45

( Posts: 4009 | Credits: )