What Is Zombie Debt?
Zombie debt is old debt — often past its statute of limitations or previously written off — that resurfaces when a new collector attempts to collect on it, sometimes years after you last heard about it.
Why It Resurfaces
Old, uncollected debts are frequently sold — sometimes repeatedly — to new debt buyers, who may attempt to collect even if the debt is old, inaccurate, or past the point where it can be legally sued over.
How to Handle It
Verify the debt before paying anything — request written validation
Check your state's statute of limitations status before acknowledging or paying
Don't make a payment or promise until you've confirmed both the amount and the SOL status