I have medical bills that were unpaid because my parents did not pay them. This occurred when I was 18. The medical offices told me that I had to have a guarantor because I was not 19. I now have negative accounts on my credit report because of these bills. Can they do that?
Yes, they can do this.
Lawsuit / Dispute Attorney
Yes and this is why: Although you were below the age of Adulthood (Age of Majority), if the medical services were necessary you can be held responsible for them. This also applies to other necessities like rent for housing.
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Debt Settlement Attorney
In general, a guarantor's role is to guarantee repayment in the event the primary obligor defaults. By having a guarantor, it does not relieve the primary obligor of his or her liability on the account. Depending on the age of the account(s), you may either want to dispute them, settle them, or leave them be. Speak with a debt relief and/or credit repair attorney in your state for further assistance.
This is not legal advice. Seek a consultation with an attorney in your jurisdiction. An attorney/client relationship is not sought or formed by the participation in this website. I am licensed to practice law in New York and New Jersey.