A little off topic, but there are a lot of smart people out there.  Any suggestions or advice are appreciated.  I recently discovered that my father, who has been struggling financially for several years, has destroyed the credit of my two younger siblings.  He is a self employed attorney.  At one point he decided to purchase individual health plans for himself, my younger brother, and younger sister, rather than bundling them into a policy for the family.  When the kids had health problems (my brother broke his arm, my sister had a severe allergic reaction), he failed to pay the ensuing medical bills.  They are now 18 and 21, respectively.  In getting my younger brother registered for college and applying for a low limit credit card to help him build credit, I learned that he has charge offs on his credit history.  After some investigation, my sister has the same issue. She will be graduating college in May and will need to get an apartment, a car, even prospective employers pull credit. Is there anything I can do help get these charge offs deleted from their histories?  How can a minor be held accountable for unpaid medical bills?  Thanks in advance for your insights.