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I get to give all sorts of advice out here in Frederick, and usually have to do a bit of research to confirm what I think I remember about some of the issues presented. Here's some research on some of these topics, just so we all don't have to reinvent the wheel.
Minors and contracts:
We were horrified, in our office, by the result in Schmidt v. Prince George's Hospital, 366 Md. 535, 784 A.2d 1112 (2001). The holding in that case was that minors can be held liable for "necessaries" contracted for on their behalf.