Q: Hello, I am looking for some advice for a legal issue. When I was 17 years old, I opened a credit card and a bank accoun
Hello, I am looking for some advice for a legal issue. When I was 17 years old, I opened a credit card and a bank account. Under all my information, such as social security number, name, address, everything was correct, except for the year of my birth, which I set to be 18 instead of my correct one, which would make me 17. I am now 18 and wondering about the process to fix this. I have realized that what I did was illegal, and I want to try to avoid any potential penalties for this, as I do not believe what I did justifies them. I am wondering if a lawyer is needed for this issue.
A:
Addressing this issue involves taking proactive steps to correct the misinformation with the bank and credit card company. Contacting them directly to explain the situation and requesting guidance on how to amend your date of birth on your accounts is a good starting point. Most institutions have procedures for updating personal information, and they may require you to submit documentation proving your actual age, such as a government-issued ID.
Given the nature of the mistake—misrepresenting your age to enter into contracts as a minor—it's understandable to be concerned about potential legal consequences. While it's true that contracts with minors are often considered voidable, the intent behind your actions and your proactive approach to rectify the situation can be significant factors in how the issue is resolved. Transparency with the financial institutions and a willingness to correct the error demonstrate good faith on your part.
Consulting with a lawyer can provide you with tailored advice and peace of mind. An attorney can help you understand the legal implications of your actions and guide you through the process of correcting your date of birth with the financial institutions. They can also advise you on any steps you should take to minimize potential penalties and ensure that your rights are protected throughout this process. Seeking professional advice can be a prudent step to resolving the issue effectively and legally.
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