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<<<Except for consumption of alcohol, in the USA 18 year olds are generally considered adults (age of majority), have aged out of jurisdiction of the juvenile justice system, are old enough to vote (including for President), to sign a contract, to marry, to enlist in the Armed Services, etc.>>>

"We are not talking about decisions in a court here. We are talking about a parent who recognizes that frankly like most adults her 18 year old was not skilled enough in the world of internet finance to understand that by putting her ss# in that spot he was essentially signing her name, that he was not intentionally committing fraud. Heck, I have decades of experience more than he, have done lots of financing and investing and I wouldn't have known it."

I am not so sure about that. You read documents before you sign them. without seeing the screens that the son saw (and the text that was on those screens) I am not so sure how you can conclude that you would not have known.

Just because the letter of the law lets them do something does not make it right. We should have learned this from the mortgage debacle. Stop hiding behind your law books."

I am not hiding behind my law books, or I would not have previously written in this thread:

I do not diagree with the suggest[ion] that she seek counsel, and I have no idea whether the lender is correct in its argument, which is why I agree with the advice to seek counsel.

As another poster noted, there are several possibile explanations, some of which include inadvertent error, but not exclusively, and that without more information, the lender's position is not necessarily pie in the sky (though it may turn out to be so).

Regards, JAFO
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