Credit Collections Services Attempting to collect canceled insurance from 16 year old son, has now made me responsible, Newton, Massachusetts

This is a scam and you need to educate yourself on your rights.

You are correct in the fact that when you fail to pay on an insurance policy, it is cancelled.

However, the only rule to that will be with the state who may not know it was replaced, and may show in the system you are driving uninsured.

Here's how you handle the bottomfeeders that are currently stalking and harassing you.

Stay off the phone.

Only communicate with them in writing, and only by certified mail, return reciept requested. Be sure to put the certified# somewhere in the body of that letter and keep a copy for your records. This is very important to do exactly as described, in the event you end up in court.

Challenge them to prove the validity of said debt. Demand a copy of whatever contract you signed that entitles them to payment.

For example, did you sign an agreement with that insurance company to carry insurance with them for a certain number of months? If not, they have no claim.

And, they cannot even report this collection to your credit report (legally) as they have no legitimate purpose to do so.

File complaints with the FTC at ftc.gov for the FDCPA and FCRA violations. Keep in mind that the FTC will not intervene on your behalf, but your reports are archived for possible future use such as class action lawsuits and/or criminal prosecution, etc.

If they have caused you any real damages, it is easy to sue them and get paid!

Don't get mad, GET PAID!!