If I was scammed on the internet and the result is thatI owe my bank money, shouldI just pay it or hire an attorney?

I am 17 years old and over the internet I was scammed out of $2400. I sent them money from a check they sent me after they received the money.I was informed the check was a fake check and the company withdrew the amount and I now owe my bank $2400. Being that I’m 17 I don’t have that much money and now collections have me about 15 days to make a payment plan or court will happen. Will a judge make me pay less if I fight it without a lawyer? Should I just pay it?

Asked on July 15, 2010 under Bankruptcy Law, Kansas

Answers:

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

If you are 17 years old, you are considered a minor and can disaffirm a contract.  You should consider contacting the agency in your state who regulates banks (banking department) and if your bank is regulated by that entity, see if it can help you.  The bank may be required to simply charge it off and not force you to pay.  Secondly, consider informing your state's attorney general about the scam to which you fell victim.  Unfortunately, when something like this looks to good to be true, it probably is too good to be true.


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