There's some medical bills on my credit report. Im 19 . i have no idea what they are talking about all i know is that i was on my mothers insurance. She never told me anything about health insurance, just to use her name and i would be covered because im on her insurance. Now i cant even buy a phone.
You and not your mother are responsible for any medical debt incurred since reaching the age of 18. Even with insurance coverage through your mother, it is possible to owe a medical debt for any balance that insurance may not have covered. If you have not incurred any medical debt since you turned 18 you should dispute the debts that are showing up on the credit report.
if the report identifies the medical bills that are owed, contact the doctors for information. Then you will have some idea of what they are talking about. Pay the bills that are owed and dispute the ones you don't.
The person who receives the medical service outs the person ultimately responsible for paying for that service, that means you are responsible once you reach the age of majority which is 18. If you were covered under your mother's insurance then you have to give the provider the insurance information not just your mother's name. You may be able to give the provider the insurance info now and get them to submit the claim for you, though most insurance companies have time limits after which they will not honor claims filed. Usually those limits are one year from the date of service. When you need to see a doctor, make sure you have your insurance info with you and give it to the doctor at the time of service.
DISCLAIMER: This message is intended as a general discussion of legal issues and not as a statement of fact, legal advice or a legal opinion. No attorney-client relationship is created by this message. Do not act or rely upon law-related information in this communication without seeking the advice of an attorney licensed to practice in the relevant area. I am a Federally Designated Debt Relief Agency under the United States Bankruptcy Code. I proudly help people in financial need file bankruptcy cases. IRS CIRCULAR 230 NOTICE: To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained in this communication (or in any attachment) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed in this communication (or in any attachment).
If some of the medical debt was incurred prior to the age of 18, then you would not be responsible for those medical bills in my state. Odds are the law is similar in NC. You should dispute any of the debts that show on your credit that were incurred prior to that age.
Another thing you can consider is bankruptcy. Strange as it may sound, one of the fastest ways to clean up your credit is to file for relief under chapter 7 and start over. The older your bankruptcy is and the older the pre-bankruptcy bad credit info is, the less those items will bring your score down. If you will get new credit and pay those monthly obligations timely, this will increase your score. You must make timely monthly payments for 6 months before a loan can help your score. As your score increases, the interest rate that you will have to pay will decrease. Below is one way that you can increase your score
One type of loan that can be made easily at a small cost to you is one that uses the money you borrow as collateral. This is done by placing the borrowed funds in a savings account at the same bank with the bank placing a hold or lien on the savings account. The interest rate will be very low because the bank has no risk. Even though it may seem like you are paying a monthly payment, most of the money you are paying is going to principal. At the end of the 6 months, you should have the bank use the savings account to pay off the loan, resulting in a paid as agreed, paid off loan on your credit report. Since most of the payment was paid to principal, you will have almost as much money in your savings account when the loan is paid off as you paid in loan payments over the 6 months.
What you need to do now is to take the time to meet with an experienced bankruptcy attorney that handles chapter 7 and chapter 13 cases even if you think you need to file under chapter 7. The attorney also needs to understand and deal with credit repair. Become educated on all the issues involved and related to your current economic situation, find out the advantages and disadvantages for filing under each chapter and use an attorney that can help you make the right decision for you. Most bankruptcy attorneys will meet with you at no charge for the initial appointment. You can use the Avvo "Find a Lawyer" link at the top of this page to search for an attorney.
Answers and comments provided are for general discussion only. My comments are not to be considered legal advice and they do not create an attorney-client relationship.
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline