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For example, some creditors can attempt to take legal action against the parents of a minor.

If you lied about your age to get the Pay Pal account, you may be held liable for the balance and even face criminal charges. The larger the debt is, the more likely that possibility becomes.

In a letter, state that you were under 18 when you opened the Pay Pal account and that no adult was or is associated with it. Send the letter certified mail, return receipt requested, which you do at your local post office.

According to the Fair Debt Collection Practices Act, a debt collector has 30 days to respond.

Now you owe a third-party company that purchased the account – hence the collection calls and letters. If you have the cash, I don’t see why you wouldn’t pay the bill, since you’re not arguing its legitimacy.

By sending a check for the total amount due, you’ll stop the communication from the debt collector and offset the small risk that the collection agency will try to legally force the matter.

See related: Can a minor be charged for credit card theft?

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Therefore, even if they agree to work with your adult business when you submit an application, chances are they’ll get back to you in one to six months after conducting their actual underwriting to inform you that they don’t allow adult related businesses.

And sorry to say, they’ll instantly terminate your account.

These processors have a procedure that’s slightly different from others.

While others underwrite you during application, Pay Pal, Square and Stripe will only start the process as soon as you begin accepting credit card payments.

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It remains to be seen whether or not the ruling and new guidelines will change the entrenched practices of online payment processors in denying equal financial access, rights, and opportunities to small businesses, artists, and contractors whose business happens to be sex.

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