Medical debts incurred for minor - dischargable?

[brokejoker]

Got a call from a medical collections place today. It was on a bill for an ER visit for one of our kids. It was listed on our matrix but I think this is a new collection agency since the debt is 2 years old.

Told the woman on the phone about filing. She told me it didn't matter that debts incurred for minors are not dischargeable but I could pay the balance in full today and they would knock 30% off the bill.

I hung up. Lawyer is closed for the day, what do you think?

[iv65536]

Got a call from a medical collections place today. It was on a bill for an ER visit for one of our kids. It was listed on our matrix but I think this is a new collection agency since the debt is 2 years old.

Told the woman on the phone about filing. She told me it didn't matter that debts incurred for minors are not dischargeable but I could pay the balance in full today and they would knock 30% off the bill.

I hung up. Lawyer is closed for the day, what do you think?

Keep copious notes in case of another call. They now know about the bankruptcy; if they call, it's a stay violation.

It sounds like you have a collector who is very wrong about BK law.

[doomed]

Umm the major reason we're going into bankruptcy is because of 60k in medical debt for our son. That collector is about to pay you $1500.

[despritfreya]

In response to:

"debts incurred for minors are not dischargeable"

And pigs can fly.

Like to see them try to collect. You might make a million off that sanction!

[gmk]

Sorry you had to field that call but that collector should get a raise in pay. That's the best line of collections BS I've heard about in a long time. Give the devil her due, pretty fast footwork or I should say phone work.

[brokejoker]

I figured she was full of it. I have their information and I will pass it along to my lawyer. She was pretty good though, made me pause there for a minute!

[Exployer1234]

That is a new one!!!!

I guess if the "minor" acquired all the debt then they could not be discharged, because that in itself is illegal for a minor to have credit with out a guardian or parent signing for the debt.

If she calls back I would tell her that minors can not file BK, but the parents are responsible for all their debts and they CAN file BK.

[SMinGA]

Since the minor cannot be held liable for his/her bills, the BK would discharge your obligation to pay them. Even though they may come in the child's name...