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The Credit Show

Zombie Debt: The Old Debt That Can Rise From the Dead

3 min25 juli 2026

A collector is calling about a debt from 2011. What they're hoping you don't know could cost you thousands. Harry Jacobs explains zombie debt — old debt past the statute of limitations that collectors can no longer use to sue you, but will still aggressively pursue — and the single most important thing you must never do when they call. Including a real case where a $50 "good faith" payment reset the statute of limitations clock, allowed the collector to sue, and resulted in wage garnishment on a debt that should have been legally uncollectable. Learn the five-rule zombie debt survival guide, how to demand validation correctly, and why silence is your most powerful tool.


If you would like a free consultation with Harry Jacobs at Credit Restoration of Nevada, text CREDIT or call 702-778-2000. You may also visit us online at TheCreditShow.info


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