All About Zombie Debts

Another tactic debt collection companies use, is promising relief from debt collection phone calls if a payment is made. So someone may agree to make a minimal payment to stop the calls, only to then get a notice of a lawsuit for the entire debt now that the creditor can once again sue. If you think you may have zombie debt, educate yourself. Consumers have protections in place under the law, but without understanding of these laws debt collectors can manipulate them into giving up these protections. If you find yourself in a situation which you may fear will lead to zombie debt, know your rights as a consumer. Make sure you have all of your debts in writing. If the debt is not yours, write to the collection agency to stop contacting you (Siddons, 2018). Know the statute of limitations for your residing state. In Massachusetts, the statute of limitations is six years for any debt.