Zombie Debt
Old debt that comes back to haunt you
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Defintion
Zombie debt refers to old, forgotten, or expired debts that collection agencies try to collect, even if they are past the statute of limitations. These debts may have been previously settled, discharged in bankruptcy, or simply too old to be legally enforced—but debt collectors still attempt to revive them. Debt buyers purchase zombie debt for pennies on the dollar and may use aggressive tactics to get consumers to pay. Making a payment or acknowledging the debt can restart the statute of limitations, making you legally responsible for repayment again.
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Frequently Asked Questions:
Can I be sued for zombie debt?
If the statute of limitations has expired, collectors cannot legally sue you, but they may still try to collect.
Should I pay zombie debt?
Not without verifying it first! Paying or even acknowledging the debt could reset the statute of limitations, making you liable again.
How do I stop collectors from contacting me?
You can send a debt validation letter or a cease and desist letter to demand proof of the debt or stop communication.
How do I check if a debt is too old to collect?
Check your state’s statute of limitations on debt—most range from 3 to 10 years, depending on the type of debt and location.
What are my rights against zombie debt collectors?
Under the Fair Debt Collection Practices Act (FDCPA), collectors cannot harass, threaten, or mislead you into paying a debt that is no longer legally enforceable.
How to Protect Yourself from Zombie Debt
Check your credit report regularly for old or reappearing accounts
Never acknowledge or agree to pay a debt without verification
Know your state's statute of limitations on different types of debt
Send a written dispute or cease-and-desist letter to debt collectors if needed
