<prompt> Human: I just got home from work and I opened up a letter from a collections agency by the name of Commercial Trade Inc. It claims that I owe them 618.00 plus an additional interest amount of 109.55 which totals an amount of 727.55. The problem was that, it isnt supposed to be on my name. Let me explain the confusion by going back a few years back. See, Im currently 21, when I was 17 i went into a hospital by the name of San Joaquin Community hospital in Bakersfield, Ca. I awoke with a type of eye infection that cause my eyes to swell up. It was terrible! My mother, that goes by the name of Monica Last name came along with me because Im her baby. The thing is that my name is Monica middle name last name. I detest going to the doctor and this experience made it worse. When we had to go up to the window, they asked for my name and everything. I finally got called and was seen by the doctor who gave me some drops that cleared me right up but they didnt know what I had. I asked when I would get my results and paperwork and they said that I would in the mail. I kept my eye on the mail but nothing ever came but I was 17 and my eyes were ok so I figured the paperwork got lost in the mail. So a few years pass by and I was either 18 or 19 and went to open my first bank account at a credit union. As they processed me, the guy setting me up informed me that I had a glitch in my credit because of a hospital bill. He said that it was from Commercial Trade and the bill was around 300 dollars. Even though I did not receive my results in the mail, I eventually received the statement from the collections agency and I decided to call the hospital first. They transferred me to a million people when they finally sent me to the financial staff or whatever. I explained the situation and the lady I talked to informed me that it was a mistake on their part because since I was a minor, it should have been charged on my mothers account at the time we didnt have insurance, they told me that the receptionist must have mixed up the files because of us having the same name. She also told me to call the collections agency and to let them know to call them in order to clear it. Before I continue, let me explain that I come from a pretty poor household and my mothers credit has been shot for a long time. At the time I had just gotten a job and only making 180 every two weeks. I had told my mother about the mix up and she told me that if I needed to put the balance on her account that itd be fine because her credit is already bad and she rather have only one of us with bad credit. So after talking to the hospital, I called Commercial Trade and ibwas serviced by Kenneth. I explained to him the situation and he told me that there was nothing they could do and asked how in would like to pay. I told him I wouldnt since I couldnt and about putting it on my mothers account. He declined and went on about how I was just a few months away from being an adult and how horrible it was of me to burden my mother with that and pretty much called me a bad daughter. I asked to speak to someone other than him and he said that there was no one above him so to call back whenever I wanted to pay. I was freaking out because I hate having big bills and was pretty good with money and believe it or not, what Kenneth said got to me. I felt like a bad daughter. After going to talk to the hospital again they told me to call Commercial Trade and to try again which I did and Kenneth said hed call me back which I havent heard from since then. I am now 21 and that was when I was 18-19. As I am looking at this collections statement, I dont know what to do since now I am older and have other finances like rent and utilities. If anyone has any info or could help me out Id gladly appreciate it!  <response>: Im pretty sure thats just a collection agency tactic to make you feel like shit and pay up. Dont pay a cent because you shouldnt own the debt as a minor, get a verification and wait and see. If they do try to ding your credit score I believe they can be fined if it turns out that you dont own the debt. 