Hello everybody? I am raging mad with American Family Insurance. An hour ago, CCS, a credit collection agency called me trying to recover a debt that I am aware of but not responsible for. My X-Significant other added me on her insurance policy so we could enjoy the family discount rates and recently she lost her job, can’t pay her bills in time. The insurance company forwarded my name to the credit collection agency for the amount due. Am I legally responsible for this? If anyone knows a lawyer that has dealt with such a situation please I need reference, that bill ain’t my monkey. Thanks in advance for your input.
Tags: Agency., American, Collections, Credit, Family, Insurance, Legally, Send, Sucks, They
I’ve never heard of past due insurance premiums going to a collection agency before. What type of policy is this?
Health and life insurance is not a debt/obligation like credit card debt. When you sign up for a health or life insurance policy you have not created a debt/liability. You are paying for coverage and if you stop paying the coverage lapses/terminates. The consequences of not paying premiums is that any outstanding claims you’ve filed or may file will be declined.
Significant X – put you on her insurance? Were you a legal dependent, did she claim you on her income taxes? If you weren’t married – her obligations are not yours. Please check your credit score and see if there any other debts/bills that you two signed up for – Get a copy of your last years Income tax filing, and show that you filed SINGLE! Check with “legal Aid” in your city, about your rights in this matter.
Yes, if you were covered by the policy and enjoyed the benefits then you are LEGALLY bound for the debt.
CONGRATS on clearing the item from yer name/report