Legal Question in Credit and Debt Law in Georgia

Re: question

Your question relates to the theory that minors cannot enter into contracts and are not liable - a theory that is often not true. More information is needed for that. For example, if you lied about your age or birthday to get the card, you likely have a fraud (not contract) issue, and a bigger problem. Your larger problem is that taking sommething with the original intent of not paying, as you clearly admit to doing, is generally a crime. To put it bluntly, you set out with the intent of stealing the merchandise or funds you got from the card, and not paying. Your actions have the potential to subject you to criminal charges (perhaps charged as an adult, depending on the specific facts), detention, probation, restitution, etc. It can also seriously harm prospects for college and/or a good job, and you may see the question on just about every application at a bank or for a home loan. Need a student loan for college? Problem. Lenders tend to not loan money to people who defrauded them or other banks in the past. This is not a "scared straight" post - courts and facilities are full of juveniles who get caught stealing. This is also not something that goes away in a month or so. Card issuers often investigate months, or a year or more, later. Discuss with you parents immediately, and pehaps they will find it wise to check with a criminal lawyer.