When I was 25 and under my father's insurance, I had surgery. Now, two years later, I must have missed a small bill that insurance paid some on. I moved from home and guess didn't receive any other bills. The statute of limitations is almost up on collecting it and the hospital called my father's house and asked for him, even though he wasn't the patient, just the insurance carrier. The hospital then freely discussed the debt with him. Is that a violation of the Fair Debt Collection Practice Act or not because he was the insurance carrier? He's not responsible for the debt, just myself. It's my credit that is ruined, not his.
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His credit does not get affected. I know this for a fact. Only mine. I was the patient, he covered me. His name was never on any bill. And I wish he would have paid the bills, seriously. I'm only concerned with their collection practices on my family. I don't care what my father knows. I just don't agree with the practices. They should be put in their place if it is unfair collection. I'll pay it, but I want to make sure they're abiding by laws at the same time.