When can a minor enter into a binding contract?

• A. Always enforceable with guardian
• B. If a guardian co-signs
• C. Never enforceable
• D. Only with court approval

Answer: (B)

When a contract is formed with a minor, the general rule is that the minor has limited capacity, so the contract is usually voidable at the minor’s option. Bringing in a guardian to co-sign changes the dynamic: the guardian assumes responsibility, so the agreement becomes enforceable against the guardian as well. This makes the contract binding for the other party because there is an adult obligation backing it, reducing the risk that the deal will be disaffirmed by the minor alone. Keep in mind there are exceptions—such as contracts for necessaries, or situations involving emancipation or court-approved arrangements—but the core idea is that a guardian’s co-signature switches enforceability to the guardian (and thus to the contract overall) rather than leaving the minor unbound.