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Beware the Undead Bills: How Zombie Debt Can Creep Up on You

Beware the Undead Bills: How Zombie Debt Can Creep Up on You

In the realm of personal finance, few things can be as terrifying as the resurrection of old, written-off debts, aptly named zombie debt.

As an experienced attorney at law, I, Omar Zambrano, have dedicated my practice to helping families navigate these financial nightmares, especially those who are laid off, out of work, or behind on payments.

Zombie debt is an old debt that you may have forgotten or decided not to pay due to financial constraints. These debts, once written off by the original creditor, are often sold to third-party debt collectors for a fraction of the original amount. The collectors then attempt to collect the debt from the original debtor, hence the term "zombie": it comes back from the dead to haunt you.

Debt collectors purchase these old debts hoping to make a profit by collecting a portion of the original amount owed. They employ various tactics, including persistent phone calls, letters, and even legal action.

However, it's important to note that there is a statute of limitations for collecting debt, which varies by state and type of debt. In some cases, the debt may be too old to legally collect.

At the Law Offices of Omar Zambrano, we understand the stress and anxiety that zombie debt can cause. We are committed to helping our clients understand their rights and navigate the complex world of debt collection.

Making a payment or agreeing to a payment plan can restart the statute of limitations on the debt. Therefore, it's essential to seek legal advice before taking any action. We offer free consultations to help you understand your options and make the best decision for your financial future.

Zombie debt can be a daunting prospect, but with the right legal guidance, you can protect yourself and your family. At the Law Offices of Omar Zambrano, we are dedicated to helping families eliminate debt and regain control of their financial lives.

Don't let the past come back to haunt you. Reach out to us at 626-338-5505 for a free consultation and let us help you put your zombie debt to rest once and for all.

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