I just turned 18, debt misinfo?

[nablial]

What is the name of your state (only U.S. law)? WI

My grandma bought me a cell phone when I was 17 and sent it back before the contract was up so she had to pay a fee. Somehow they got my name and have been sending me letters since a year and a half ago. It can't be my debt obviously because when we were on the phone with the cell phone company they said I couldn't have the phone under my name because I wasn't 18 yet.

What should I do? I'm afraid she might do something crazy like say I took her credit card or something.

My dad did something similar, he signed me up for auto insurance and then didn't pay the payments after a few months and now I am getting the bills.

I need any advice I can get to get this off my record because I tried applying to student loans and this shows up as delinquent.

[nablial]

Just my luck...26 views and no replies

[cyjeff]

That's because your post makes no sense.

Your grandmother got you a cell phone. She sent it back and paid a cancellation fee, right?

If so, why are the cell phone companies calling you?

[cosine]

Originally Posted by cyjeff

That's because your post makes no sense.

Your grandmother got you a cell phone. She sent it back and paid a cancellation fee, right?

I agree; the post makes no sense.

Did YOU (nablial) receive the benefits (e.g. you used the cell phone and benefited from the insurance)? If so, you should have been paying. If these people put things in your name for their benefit and to get out of paying, then it's a crime and you need to file a police report to send to the creditors.

[nablial]

Ok I'm sorry about the post, i was in a hurry to get to school.

Your grandmother got you a cell phone. She sent it back and paid a cancellation fee, right?

She sent it back, didn't pay the fee. Now they have been calling me and sending me letters. I don't have a phone now or anything for them to call anymore because that was a long time ago. I also didn't answer the calls because I was paranoid.

Did YOU (nablial) receive the benefits (e.g. you used the cell phone and benefited from the insurance)? If so, you should have been paying. If these people put things in your name for their benefit and to get out of paying, then it's a crime and you need to file a police report to send to the creditors.

I used the cell phone for about a week. The insurance was a different bill altogether. I signed up under my dad's insurance and he payed for it for about a month. I didn't really know anything about how to take care of it or that he stopped paying for that matter.

I'm not sure they put it in my name for their benefit, they just didn't want to follow through on things they got for me. Also, I got the insurance bill in the mail but it said "To the parents of 'john doe'" so i didn't open it or do anything with it.

Thank you for your replies thus far, and again, sorry for the confusion.