<prompt> Human: First off, Im in the United States in Tennessee if that matters. I have been lurking in this sub for a long time, so I have learned quite a bit and also have taken personal finance classes. When I finally turned 18, I decided I wanted to get a secured credit card and check my credit reports and start building credit so I could be a bit ahead of the curve. The medical debt in question is from a chiropractors office. The balance is 441. The debt is about a year and a few months old, reported around September of 2016. Like I said, at the time I was only 16. Am I liable for this at all? What do I do? I have not once received a single phone call or a letter in the mail from the collection agency. No contact whatsoever. No effort made to contact at all and I only found out through my reports. Can I dispute and get it off my reports or will I just have to pay up and wait seven years? How would I go about disputing if thats an option? Thank you guys in advance. I will try to answer questions ASAP if there are any.  <response>: I would try to contact the hospital and ask who the guarantor person listed as financially responsible on the charges is. Not sure if it is a law, but in my work, policies state the only way for a minor to be hisher own guarantor and not a parent or guardian is if they are an emancipated minor. This might just be a clerical error; I would call hospital or physician billing dept just in case and ask. Source: work for a large health entity in SoCal. 