Can a certified mentally ill person be held responsible for credit card debt?

Answer

Was the person incompetent at the time the original agreement was made? If so, then maybe, (just maybe). Believe it or not mental illness is not a defense for not paying your debts. Neither is "I don't have any money." A mentally incompetent/ill person can be sued for a debt. Not, however without a competency hearing. If the court finds it necessary it will appoint a guardian to protect the ill persons' interests. So you can imagine that CCC's, are reluctant to take this route. It is lengthy, expensive, and in the long run will probably accomplish very little.

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