Back to top

What is a Zombie Debt?

Stop The Harassment

You have legal rights. We can help.

 

Zombie debts, also known as phantom debts, are debts that are very old (usually more than three years) that "haunt" a consumer over the years. It can also refer to an old debt that is no longer owed. They may be from a debt years ago, or inherited from a family member after a death in the family.

How Are Zombie Debts Affected by the FDCPA?

Every state has a statute of limitations on how long a debt can be pursued after the original debt was owed. It's very uncommon for debt collectors to have a valid claim on a debt that is more than three years old. If you're being pursued regarding a debt that's very old, you may have an FDCPA claim. The FDCPA stops third-party debt collectors to pursue debts past the statute of limitations.

Another common FDCPA violation regarding zombie debts is adding additional payments or interest to a zombie debt. It is illegal for a debt collector to charge more than the original debt on behalf of an original creditor. Some debt collectors threaten to report a debt to credit bureaus or sue you if you do not pay the debt--you should seek legal aid if you've received threats regarding a debt.

If you've found that you're being charged thousands in additional fees from an old debt, a third-party debt collector may be violating the FDCPA.

Speak With an FDCPA Attorney

It is illegal for a third-party debt collector to harass you regarding a debt you've already paid or a debt that is so old it's past your state's statute of limitations. If either situation occurs, you should speak with an FDCPA attorney immediately. A creditor harassment attorney can help the harassment stop. Once you've hired an attorney, all communication between you and a third-party collector you ceases.