"Zombie debt" is debt so old that it's past the statute of limitations. These debts are also called "time-barred" debts or "out-of-statute" debts. Debts are sold and resold to debt collectors and, as debts age, documentation about the status of the debt, the amount of the debt, or the name and address of the debtor may disappear or no longer be accurate. You have the right to dispute the existence or validity of a debt. Reasons for disputing the debt might be: you never owed the money in the first place or don't owe as much as the debt collector says, you already paid, you discharged the debt in bankruptcy, or it's hospital debt which may have been covered under a charitable care policy. Dealing with debt collectors can be unpleasant and lawsuits can be overwhelming, but the worst thing to do is to ignore the situation.
Fair Debt Collection by This site is maintained by the law librarians of the John W. King New Hampshire Law Library.
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