Zombie Debt Collectors
Zombie debt collectors are not the deceased bodies of collectors that attack you but are collectors who attempt to collect debts that are long gone. They purchase the rights to your debt from creditors for cheap and will call debtors and attempt to coerce a payment. They can call at any time during the bankruptcy process including after the bankruptcy has been closed. How do they convince debtors who may get their debt discharged to pay their debt? They offer debtors a special offer such as paying a fraction of their original debt to erase the debt completely. This is the main weapon of zombie debt collectors for the debts they are attempting to collect are not legally enforceable. This means that these collectors cannot force debtors to pay off their debt and have no choice but to entice debtors with a reduced payment option.
Zombie debt collectors are not only monstrous for their attempts to lure debtors into paying their possibly dischargeable debt but because they may even try to collect debts that have already been discharged. These collectors prove their immorality by collecting debts that have been already discharged is illegal. Zombie debt collectors are much easier to ward off than their deceased zombie counterparts for they can thwarted by speaking to you attorney, refusing to give them your personal information and not paying off any debts until you are sure of your rights in the matter. These simple practices can keep them at bay and from entangling you in illegal actions or a financial faux pas that could negatively effect your bankruptcy.
in Connecticut most revolving debt that no payments have been made on in the prior six years is past the statute of limitations.
If you have questions about how bankruptcy might help you Contact the
Law Offices of Gregg W. Wagman at:
216 Broad Street
New London, CT 06320