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URL:  http://boards.fool.com/if-this-is-not-your-debt-then-it-shouldnt-be-19673298.aspx

Subject:  Re: I have a collection!!! Date:  10/6/2003  11:18 AM
Author:  sockwonder Number:  171141 of 308883

If this is not your debt, then it shouldn't be listed on your credit report in the first place, especially considering your state law.

In the eyes of the CRA and the collection agency, it is his debt, because the medical insurance account is under his name and social security number. He is the only one able to make additions, deletions and changes to the account, so he is solely liable for the usage of said account. It is very much like a spouse using your credit card as an authorized user. It's your account, and you allow others to use it. But you're responsible for whatever they do with it - not them - ever. If you want to hold them responsible, you need to sue them. And how often do people sue their own spouse (separations excluded)?
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