Plus it contains info that I was completely unaware of.
I wonder if filial responsibility laws can be used as a precedent for unborn person laws. Specifically, if you can force an immediate relative to provide for the needs or debts of others, then why shouldn’t a mother and father be required to provide care and feeding to an unborn child?
All these people have to do is demand the debt collectors produce the original debt agreements.
Because they can’t.
Debt collectors BUY debts. The moment they do so, the debt is settled. The original debtor literally agreed to settle the debt through a third party payment. At that point, that’s it - it’s over. The original debtor owes nothing to the third party debt collector.
But debt collectors know people don’t know this. Nevertheless, if people demand to see the original debt instrument, note or agreement, the debt collector can’t produce it because it was settled the moment they bought it. Contractual agreements with original lenders to allow debt collectors to buy debts don’t matter for this very reason - once the debt collector buys the debt, there’s no more debt, so there’s nothing to collect.
Debt collectors simply gamble that people don’t know this and will pay without calling them on their institutionalized fraud.
Note - this deosn’t apply when the lender hires a debt collector, but keeps the original debt for themselves and doesn’t sell it. Then the debt is still intact.
That does not seem fair. If they are responsible for their medical bills they should be able to deduct all family members on their taxes as dependents.
When my heavily indebted brother passed away unexpectedly, there was no legal obligation, but the hyper aggressive collection calls I got went on for over a year. 6 yrs later I don’t get calls but still stuff in the mail.
Do these laws apply only to medical bills and nursing homes, or any “debt”? Because I can see some really ugly potential scenarios.
These laws are draconian, and frightening. To make one adult arbitrarily responsible for the actions or fortunes of another is something that only happens in Evil empires. This just proves that Evil people existed in America even long ago. The only thing they cared about was how to get their money. They did not care if they had to steel it back or if they destroyed the life of an innocent party.
They’re immoral, predatory and abusive.
No one should be forced to assume someone’s else debts, unless they’re married, the parent of a minor child and the guardian of a ward.
Simple and straight.
Did the people being dunned come into substantial funds or property from the death of the debtors, via inheritance or insurance?