This is question is about my friend's current situation that I found out about and now my dad and I are trying to help him.
Background: My friend (22) had to go to the hospital (I believe he was 18+ at the time) and his parent's supposedly handled the charges. This was ~3 years ago. His parents, without telling him, put the charges in his name and didn't pay.
Now: My friend explained to me that a few months ago he received a letter in the mail about a debt collector had picked up his hospital bill and he needs to begin making payments. He never knew about the bill, most likely because his mother takes all the mail and opens its without telling anyone.
He has contacted the debt collector and his making minimum payments until he starts is full-time job in July. We got his credit score and its about 530.
Question: Can he dispute that charge from his credit history? What is the best approach to pay it off (in full or in payments)?