Muller v. Ces Credit Union

**What Happened** Joseph Todd Muller worked for CES Credit Union and had cosigned a loan when he was 17 years old. Later, a dispute arose over this debt, and Muller argued he shouldn't be responsible for paying it back because he was a minor when he signed the agreement. The credit union sued him to collect the money owed. **What the Court Decided** The court ruled against Muller and ordered him to pay $13,807.84 plus interest to CES Credit Union. The judge determined that even though Muller was under 18 when he cosigned the loan, he had waited too long to challenge the contract based on his age. Under the law, minors have the right to cancel contracts they signed while underage, but they must do so within a reasonable time after turning 18. **Why This Matters for Workers** This case shows that young workers need to act quickly if they want to get out of contracts they signed as minors. Simply being underage when signing doesn't automatically void an agreement forever. Workers who signed financial agreements before turning 18 should review them promptly after their 18th birthday and seek help if they want to challenge them.