Canada here. Similar to US. Debtor must prove you signed for the credit card. No signature, no debt. And upon request, must provide proof that debt is valid. Also, contracts signed by persons under 18 are not legally binding either (if I'm not mistaken).
In cases like this, you may want to go to the police and file a fraud report (since your boyfriend used your information without permission). Send a copy of the police report to debt collection agency as proof that the debt is invalid. You don't have to but you can tell the police "I suspect my ex-boyfriend may have opened the account in my name without permission", depends if you want to incriminate your ex-boyfriend (if you don't say anything, the police will most likely never investigate anyway).
los_llaves6 karma
Canada here. Similar to US. Debtor must prove you signed for the credit card. No signature, no debt. And upon request, must provide proof that debt is valid. Also, contracts signed by persons under 18 are not legally binding either (if I'm not mistaken).
For more info, see:
http://www.bclaws.ca/civix/document/id/complete/statreg/04002_09#part7
http://www.consumerprotectionbc.ca/debt-portal
http://www.consumerprotectionbc.ca/consumers-debt-collection/how-to-make-a-complaint/debt-collection
In cases like this, you may want to go to the police and file a fraud report (since your boyfriend used your information without permission). Send a copy of the police report to debt collection agency as proof that the debt is invalid. You don't have to but you can tell the police "I suspect my ex-boyfriend may have opened the account in my name without permission", depends if you want to incriminate your ex-boyfriend (if you don't say anything, the police will most likely never investigate anyway).
Not A Lawyer.
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