As an experienced debt defense attorney here in Texas, I’ve received many calls from clients about a debt they thought was long dead but then suddenly resurfaces and comes back to life. Lydia’s a perfect example.
“Chris, I’m getting these terrible flashbacks to when I was dealing with all sorts of debt issues a few years ago. I’m getting calls again,” she said. “It’s terribly stressful so I thought I should call you.”
“I’m here to help you, Lydia. Tell me more. Who is calling you?” I asked her.
“Some debt collector calling about a debt I thought was long buried. He’s not giving me too much information. Just saying I still owe on a credit card I thought I settled and that I have to pay it,” she explained.
“Sadly, this is not uncommon. Have you heard about zombie debt?”
“No, sounds spooky. What is it?”
Teaching the Term “Zombie Debt“
“It’s when an old debt, you thought was dead and buried, resurfaces. It’s a common practice for debt collectors. But, it’s something we can push back on. It shouldn’t be a problem for you.”
“How is this even possible?”
“Many people ignore stuff like this, but I’m glad you checked in with me. There’s a lot to know about zombie debt. Can I go over our guide with you? It’ll provide you with plenty of information that I think will help you relax about these calls,” I told her.
“Sounds great, thanks, Chris. Please proceed.”
Have you ever gotten a call about a debt like Lydia you thought was gone for good? Maybe it’s an old credit card bill from years ago or a medical expense you forgot about. This is called “zombie debt,” and it happens more often than you might think.
Zombie debt can hurt your personal finances and credit report. Debt collectors buy old debts from the original creditors and then try to collect money from you. These debts can have a life of their own and might reactivate without warning catching you off guard.
If you don’t know how to handle it your financial standing can be damaged. Therefore, it’s important to know your rights under the Fair Debt Collection Practices Act (FDCPA). Collection attempts can restart the clock on debts you thought were settled. This can lead to more pressure and even legal action. Sometimes zombie debts come back through collection activities or court cases, even if you believed they were resolved.
I have helped many clients in Texas who were surprised by zombie debt. Knowing your rights and how to respond can save you thousands of dollars and protect your credit score.
Essential Points
- Zombie debt refers to old debts past the statute of limitations that collectors buy and attempt to collect.
- The FDCPA and state laws protect consumers, ensuring collectors provide validation and limiting collection of time-barred debts.
- Be aware of aggressive collection tactics and scams, such as threats of garnishment and refusal to provide debt details.
- Respond by sending a debt validation letter, checking the statute of limitations, and disputing or negotiating legitimate debts.
- Zombie debt can harm credit scores; regularly monitor credit reports and dispute inaccuracies promptly.
What Is Zombie Debt? Definition and Key Characteristics
Zombie debt refers to old debt – often past the statute of limitations – that gets resurrected by debt buyers or collection agencies.
Think of it like this: you had a credit card with a $2,000 balance that you couldn’t pay five years ago. The original credit card company eventually wrote it off and sold it to a debt collection agency for pennies on the dollar. Now, that collection agency is calling you demanding payment on a debt you thought was dead and buried. This could be what we call “zombie debt” – and it’s more common than you might think. Zombie debts often involve multiple accounts and can affect many consumers.
The term “zombie” fits perfectly because this debt comes back from the dead, just like zombies in horror movies. These expired or time-barred debts return to haunt your finances when you least expect it. Zombie debt collectors specialize in buying and attempting to collect on these old debts, hoping you’ll pay without questioning whether you’re legally required to do so. A debt collector might pay $50 for a $1,000 debt, which means they profit significantly if they can collect only a portion of the original amount.
Legality of Zombie Debt
Many people don’t understand that zombie debt might still appear on your credit report, even if it’s past the time when it can be legally enforced.
The Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) regulate how debt collectors behave. Collectors can still try to collect on time-barred debt, but in most cases, they can’t sue you for it.
We often tell our clients that just because a debt is old, it doesn’t mean collectors won’t try to collect it. The key is knowing your rights. You need to understand what debt you are legally obligated to pay versus what collectors are hoping you’ll pay out of fear or confusion.
The Role of Debt Collectors in Zombie Debt
Debt collectors are companies or people who try to collect unpaid debts for creditors. They get old debt in different ways. The most common way is by buying it from the original creditors who stopped trying to collect it themselves.
There is a big difference between your original creditor (like a bank or credit card company) and third-party collection agencies. These agencies buy debts from original creditors and try to collect on them.
When original creditors sell debt, they often sell thousands of accounts at once. They sell these accounts for a small part of what is owed. Third-party collectors buy these portfolios. Sometimes they buy it without full or accurate information about the debt.
For example, a debt collector might pay $50 for a $1,000 debt. This means they can make a big profit if they collect even a small payment from you.
Tactics and Potential Misconduct
Unfortunately, some debt collectors use aggressive tactics that cross legal lines. Debt collection agencies are sometimes reported for using such tactics, so consumers should be aware of their rights when dealing with these agencies. These tactics include:
- High-pressure phone calls at bad times
- Threats of legal action they can’t or won’t take
- Misleading statements about what happens if you don’t pay
Zombie debt collectors, sometimes called “debt scavengers,” buy cheap, expired debt. They know many people don’t understand their rights. So they use fear and intimidation to try to collect on debts that may no longer be legally enforceable.
I remember a client who got daily calls from a collector. The collector said they would garnish her wages for a seven-year-old credit card debt. Since the debt was past the statute of limitations in Texas, the collector had no legal right to garnish her wages.
After we sent a cease contact letter citing violations of the Fair Debt Collection Practices Act, the calls stopped right away.
Consumer Protections
The FDCPA gives important protections for people dealing with debt collectors. These rules limit when collectors can call you and stop them from harassing you. Collectors must also tell you about your rights.
Both federal and state laws protect consumers. Be sure to research your state’s laws to understand the statute of limitations on debt and other protections specific to your location. Your state attorney general’s office helps regulate local collection practices. They can be a good resource if you face abusive collectors.
Types of Zombie Debt: Common Categories and Sources
Different types of debt commonly become zombie debt, each with its own characteristics and challenges.
Credit Card Debt is probably the most common type of zombie debt. Credit card companies often sell unpaid accounts to collection agencies, and these debts can be sold multiple times. This creates confusion about who actually owns the debt and has the right to collect it.
Personal Loans from banks, credit unions, or online lenders can also become zombie debt. When the original lender writes off the debt, they may sell it to collectors who will attempt to revive collection efforts years later.
Collection agencies frequently pass around medical bills and other consumer debts. Medical debt poses a particular problem because people often don’t realize they owe it until a collector contacts them.
6 Common Categories of Zombie Debt
Before responding to collection attempts, review your old records, such as receipts and bank statements, to verify whether the debt is legitimate.
Impact on Personal Finance
When zombie debt resurfaces, it can significantly impact your credit score and create financial stress. Unresolved debt can continue to affect your financial health and creditworthiness until it is properly addressed. Even if the debt is time-barred by the statute of limitations, the collection attempts and potential credit report entries can affect your ability to get loans, rent apartments, or even secure employment in some cases.
Statute of Limitations and Legal Implications
The statute of limitations is a time limit set by each state for when a debt collector can sue you for unpaid debt. This time frame varies significantly – typically ranging from three to six years, but some states allow up to ten years or more for certain types of debt. However, in many cases, debts remain on your credit report for up to seven years, even if they are no longer legally enforceable.
Understanding your state’s statute of limitations is crucial because it determines whether a collector can take legal action against you. In Texas, for example, the statute of limitations for most consumer debts is four years.
Restarting the Clock
Here’s where many people get into trouble: making a small payment or even acknowledging the debt in writing can reset the statute of limitations. This means a debt that was time-barred and legally unenforceable suddenly becomes collectible again. You could become legally responsible for a debt you no longer owe if you make a payment or acknowledge the debt.
Before making any payment or acknowledging any old debt, you should check your state law and consider consulting with an attorney. What seems like a small gesture to “get rid of” a collector could actually revive a dead debt.
Time-Barred Debt vs. Collectible Debt
There’s an important difference between time-barred debt (no longer legally enforceable through the courts) and debt that’s still within the statutory period. Collectors can still attempt to collect time-barred debt – they just can’t sue you for it.
If you’re uncertain about your obligations regarding an old debt, it’s worth seeking legal advice. The consequences of mishandling zombie debt can be significant, and professional guidance can save you money and stress.
Credit Report Impacts and Monitoring Strategies
Zombie debt can appear on your credit reports from Equifax, Experian, and TransUnion in several ways. Sometimes the original debt is still listed, and other times a new collection account appears when a collector purchases the debt.
The negative impact on your credit score depends on several factors, including how old the debt is and whether it’s being reported as a new collection account. When reviewing or disputing debts on your credit report, it’s important to check your bank statements for evidence of payment or to challenge inaccurate debt entries. Recent collection activity can significantly damage your credit score, even if the underlying debt is old.
Monitoring and Disputing Errors
I strongly recommend to all my clients that they regularly review their credit reports through AnnualCreditReport.com or other monitoring services.
If you find any incorrect information, you have the right to dispute it with the credit bureaus.
The dispute process works like this:
- Contact each credit bureau in writing.
- Explain why the information is wrong.
- Provide any proof you have to support your claim.
After you send your dispute, the credit bureaus have 30 days to investigate and respond to you.
Role of the Credit Bureaus
Each credit bureau may handle disputed items in different ways. They must check the information with the original source. If they cannot verify the information, they have to remove it from your report.
However, this process is not always easy. You might need to follow up more than once to get the issue resolved.
Zombie Debt Collectors: Tactics and How to Respond
Identifying zombie debt collectors can help protect you from scams and illegal collection practices. These third-party debt collectors buy old debts for much less than their value. They often use aggressive tactics to get money from you.
Watch out for these warning signs:
- Callers who are vague about the debt detail
- Refuse to provide written proof of the debt
- Demand immediate payment without giving you time to check the information
Debt scavengers buy large groups of questionable or time-barred debt. They play the odds, hoping to collect on a small number of accounts by pressuring consumers who don’t know their rights.
Responding to Aggressive Collection Tactics
When a collector contacts you about an old debt, your first step should be sending a debt validation letter. You can also write a letter challenging the validity of the debt if you believe it is not correct or no longer owed. This formal written request requires the collector to prove they have the right to collect the debt and that you actually owe it.
Under FDCPA guidelines, you have 30 days from the first contact to request validation. During this time, the collector must stop collection efforts until they provide proper validation.
Red Flags and Scams
Some zombie debt situations are actually scams designed to steal your identity or money. Red flags to be aware of include collectors who won’t provide their company name and address, refuse to send written verification, or demand immediate payment through unusual methods like prepaid cards or wire transfers.
If you suspect illegal or deceptive practices, contact the CFPB or FTC immediately. These agencies track complaint patterns and can take action against companies that violate consumer protection laws.
Best Practices for Handling and Resolving Zombie Debt
When dealing with potential zombie debt, follow these essential steps to protect yourself:
Relying on accurate information and expert advice helps you make informed decisions and ensure your financial choices are well-founded.
Validate the Debt
Send a formal debt validation letter within 30 days of the collector’s first contact. Request specific information about the original debt, including:
- The original creditor’s name
- Original account number
- The amount of the original debt
- Proof that you owe the debt
- Proof that the collector has the right to collect it
Check the Statute of Limitations
Research your state’s statute of limitations before you take any action. You can often find this information on your state attorney general’s website. You can also ask a law firm that handles consumer protection cases for help.
Remember, making any payment might reset the statute of limitations. So, do not pay anything until you fully understand your legal obligations.
Negotiate or Dispute
If the debt is valid and still enforceable, you might want to explore debt relief options or try negotiating a settlement.
However, if the debt is invalid, time-barred, or caused by identity theft, you should dispute the claim right away.
When negotiating a settlement, always do it in writing. Make sure any agreement clearly says the settlement pays off the entire debt.
Before making any payments, get a payment agreement in writing. If you decide to repay the debt, consider setting up a formal payment plan to protect your rights.
Seek Professional Help
Consider working with credit counseling services or personal finance advisors. They can help you create a plan for your specific situation. Many nonprofit credit counseling agencies offer free or low-cost services.
If your case is complex or if collectors break your rights, a consumer protection attorney can help. Many attorneys provide free consultations for cases involving the Fair Debt Collection Practices Act (FDCPA).
Stay Informed and Document Everything
Keep detailed records of all communication with debt collectors, including:
- Phone call dates and times
- Names of people you spoke with
- What was discussed
- Copies of all letters and emails
This documentation can be crucial if you need to file a complaint or take legal action against a collector who violates your rights. Always write down all communications and agreements to ensure you have a clear, written record for legal and record-keeping purposes.
Conclusion and Next Steps
Understanding zombie debt is essential for protecting your financial future. Remember these key points: know your rights under the FDCPA and your state law, always check the statute of limitations before taking action, validate any debt before paying, and understand your legal right to dispute invalid claims.
Take these actionable steps today:
- Monitor your credit reports regularly through AnnualCreditReport.com
- Investigate any suspicious or time-barred debt that appear
- Respond promptly to collection notices with proper validation requests
- Keep detailed records of all debt-related communications
When dealing with persistent or complex zombie debt issues, don’t hesitate to seek professional help. Debt relief specialists, consumer protection attorneys, and credit counselors can provide valuable guidance tailored to your specific situation.
For ongoing support, use these resources:
- AnnualCreditReport.com for free credit report
- CFPB.gov for filing complaints and getting information
- FTC.gov for consumer protection resources
- Your state attorney general’s office for local assistance
- Reputable credit counseling agencies for debt management help
Stay informed, maintain thorough records, and remember that knowledge is your best defense against zombie debt collectors. With the right information and approach, you can protect your finances and work toward a debt-free future.
Frequently Asked Questions
Can I be sued for zombie debt that’s past the statute of limitations?
Debt collectors cannot sue you for zombie debt that is truly past your state’s statute of limitations. However, they might still try to file lawsuits, hoping you won’t respond or know your rights.
Here are some important points to protect yourself:
You must actively defend yourself. Courts do not automatically dismiss cases about time-barred debt. You need to respond to any lawsuit and use the statute of limitations as your defense.
State laws vary a lot. Most consumer debts have statutes of limitations between 3 and 6 years, but some states allow up to 10 years for certain contracts.
Keep good documentation. To prove when the limitation period started, you will need records showing the date of your last payment.
There is a risk of garnishment. If you ignore a lawsuit, collectors can win by default. This lets them garnish your wages or seize your assets.
Always check your state’s specific statute of limitations. If you get court papers, consider talking to a consumer protection attorney for help.
Does paying even $1 on old debt restart the statute of limitations?
Yes, making any payment on zombie debt can restart the statute of limitations clock in most states, making a previously uncollectible debt legally enforceable again.
Critical payment restart scenarios:
Partial payments – Even $1 payments can reset the entire limitation period to zero
Payment plans – Agreeing to any payment arrangement typically constitutes acknowledgment
Electronic payments – Automatic deductions or online payments count as voluntary acknowledgment
Third-party payments – Having someone else pay on your behalf may still restart limitations
State law variations to understand:
Written acknowledgment – Some states require written acknowledgment, not just payments
New promise requirements – Certain states need explicit new promises to pay, not just payments
Partial vs. full reset – A few states only extend the limitation period rather than fully restarting it
Never make payments on old debt without first checking your state’s statute of limitations and consulting with a consumer attorney.
Should I make a small payment on a very old debt to “get rid of it”?
No. Making a small payment on old debt can be a costly mistake. In many states, any payment acknowledgment can reset the statute of limitations, making a time-barred debt legally enforceable again.
Before making any payment, check your applicable state law and consider consulting with a consumer protection attorney. What might seem like a quick fix could actually create a much bigger problem.
Source: Texas Gets A Lot Of Calls From Collection Agencies | Dallas Observer
How do I request a debt validation letter for zombie debt?
Send a written debt validation request within 30 days of the collector’s first contact, demanding proof they have the legal right to collect the debt and that you actually owe it.
Essential validation letter requirements:
Send via certified mail – with return receipt to create a paper trail
Include specific demands – Request original creditor information, account details, and collector’s authorization to collect
Set clear timeline – Demand response within 30 days as required by FDCPA
Request cessation – Ask them to stop collection activities until validation is provided
Key information to demand:
Name and address of original creditor
Original account number and amount owed
Chain of ownership documentation proving collector’s right to collect
Accounting of all payments, fees, and interest applied
Validation notice that clearly explains your dispute rights under FDCPA
Collectors must stop collection efforts once they receive your validation request until they provide proper verification.
What happens if I ignore zombie debt collectors completely?
Don’t ignore them. Ignoring zombie debt collectors can lead to escalated collection efforts and potential lawsuits, even on time-barred debt, so strategic response is typically better than complete avoidance.
Consequences of ignoring collectors:
Default judgments – If sued, you’ll lose automatically without defending yourself, even on invalid debt
Wage garnishment – Default judgments allow collectors to garnish wages and freeze bank accounts
Credit damage – New collection accounts can appear on credit reports, lowering your score
Harassment escalation – Some collectors increase contact frequency when ignored
Strategic alternatives to ignoring:
Send cease communication letter – Legally require written-only contact under FDCPA
Request debt validation – Force collectors to prove debt validity before proceeding
Document harassment – Record illegal collection practices for potential FDCPA violations
Check statute of limitations – Determine if debt is legally enforceable in your state
Complete avoidance works only when you’re certain the debt is legally uncollectible and you’re prepared to defend any lawsuit.
How do I know if a zombie debt collector is legitimate or a scam?
Legitimate zombie debt collectors must follow specific legal requirements and provide verifiable information, while scammers often use high-pressure tactics and refuse to provide documentation.
Red flags indicating scams:
Immediate payment demands – Refusing to send written validation or demanding instant payment
Vague debt details – Cannot provide specific account information, original creditor, or debt amount
Aggressive threats – Claiming arrest, criminal prosecution, or immediate legal action
Unusual payment methods – Demanding prepaid cards, wire transfers, or cryptocurrency payments
Legitimate collector requirements:
Written validation notice – Must provide detailed debt information within 5 days of first contact
Company identification – Must clearly identify themselves and provide business address
FDCPA compliance – Follow federal law regarding contact times, methods, and harassment prohibitions
Documentation capability – Can provide account history and chain of ownership when requested
When in doubt, request written validation and consult with a consumer protection attorney before taking any action.
Can zombie debt collectors garnish my wages or freeze my bank account in Texas?
Under Texas law, most consumer creditors—including zombie-debt buyers—cannot garnish your wages at all. They may, however, freeze (levy) the money in your bank account after winning a lawsuit and obtaining a valid Texas judgment.
Key Texas-specific rules
Wage protection: Texas blocks wage garnishment for consumer debts. The only common exceptions are child support, federally backed student loans, and certain tax debts.
Court judgment required: A collector must sue you in Texas state court, serve you properly, and win before it can pursue any post-judgment remedy (like a bank levy).
Bank-account levies: Once a judgment is entered, a creditor can request a writ of garnishment to freeze funds in your bank account. Social Security, VA benefits, and other federally protected income remain exempt, but you may need to assert those exemptions quickly.
Statute of limitations defense: In Texas, most consumer debts are time-barred after four years. Raising this defense can defeat a zombie-debt lawsuit and prevent any garnishment attempt. For more information, see debt lawsuits in Texas.
Protection strategies for Texans
1. Don’t ignore court papers. Missing a response deadline leads to default judgments and fast-track garnishment.
2. Assert the four-year statute of limitations. If the debt is too old, the suit should be dismissed.
3. Claim Texas and federal exemptions. Immediately tell the court and your bank if frozen funds include exempt income (e.g., Social Security).
4. Negotiate before judgment. Settlement leverage disappears once a judgment is in place.
Ignoring a lawsuit—even for questionable zombie debt—opens the door to bank levies that Texas law would otherwise keep firmly shut.
What should I do if I’m sued over zombie debt?
Strongly consider contacting a debt defense attorney. Respond immediately to any lawsuit by filing an answer with the court, raising all available defenses including statute of limitations, and never ignore court papers even for questionable debt claims.
Immediate action steps:
Calculate response deadline – Typically 20-30 days from service, varies by state
File formal Answer – Respond to each allegation in the complaint specifically
Raise affirmative defenses – Include statute of limitations, lack of standing, improper service
Request proof – Demand collector provide evidence of debt ownership and validity
Essential defenses to assert:
Statute of limitations expired – Calculate limitation period from last payment date
Lack of standing – Challenge collector’s legal right to sue
Insufficient evidence – Force plaintiff to prove case with proper documentation
FDCPA violations – Counterclaim for any illegal collection practices
Even if you believe the debt is invalid, you must respond to the lawsuit or risk automatic default judgment against you.
How do I remove zombie debt from my credit report?
To remove inaccurate zombie debt from your credit report, you need to dispute the information with each credit bureau that’s reporting it. Send written disputes to Equifax, Experian, and TransUnion explaining why the information is incorrect.
Include copies of supporting documentation, such as proof that the debt is past the statute of limitations or evidence that you’ve already paid the debt. Keep copies of everything you send and track response deadlines carefully.
How long does zombie debt stay on my credit report?
Zombie debt typically remains on credit reports for 7 years from the date of first delinquency with the original creditor, regardless of how many times the debt is sold between collectors.
Key timeframe rules:
7-year limit applies to most consumer debts from the original default date
Multiple sales don’t reset – Clock doesn’t restart when debt is sold to new collectors
Bankruptcy extends to 10 years for Chapter 7 filings, 7 years for Chapter 13
Judgments vary by state – Court judgments may remain longer than the underlying debt
Important timing clarifications:
Original default date – Timeline starts with first missed payment to original creditor, not when collector purchased debt
Paid vs. unpaid – Paid collections still remain for full 7-year period
Settled debts – May show as “settled for less than full balance” for complete timeframe
Zombie reappearance – Old debt can’t legally be re-reported as new activity
Regularly monitor credit reports to ensure zombie debt doesn’t exceed statutory reporting periods.
What’s the difference between zombie debt and phantom debt?
Collectors revive zombie debt, which refers to legitimate old debt. In contrast, phantom debt is completely fraudulent and was never actually owed by the consumer.
Zombie debt characteristics:
Previously legitimate – Was a real debt you originally owed
Time-barred status – Often past statute of limitations for legal collection
Multiple ownership – Sold between various debt buyers and collectors
Partial documentation – Collectors may have limited original account information
Phantom debt characteristics:
Never existed – Debt was never legitimately owed in the first place
Fabricated details – Scammers create fake account information and documentation
Identity theft basis – May result from stolen personal information used fraudulently
No verification possible – Collectors cannot provide legitimate proof when challenged
Response strategies differ:
Zombie debt – Validate legitimacy, check statute of limitations, consider settlement options
Phantom debt – Immediately dispute, report to authorities, never acknowledge or pay
Understanding this distinction helps determine appropriate response tactics and legal protections available.
What Will Lydia Do?
“Chris, I never knew there were zombie debt collectors out there—scaring people into paying money they don’t actually have to pay. It’s awful,” Lydia said.
“Yes, because many people don’t know their rights, or the protections available to help them, these zombie debt collectors count on confusion. So I’m glad you called. Don’t you feel more informed now?” I asked.
“I do—much more informed. So next time this guy calls, I know what to do. I’ll ask him for his address and send him a debt validation letter.”
“That’s right. In the letter, make sure you request the original creditor’s name, account number, and amount of the original debt. And also request proof that you owe the debt and proof that the collector has the right to collect it.”
“What do you think the letter will accomplish?” she asked.
“I think it’ll make him go away. I’m not totally sure, but I’m very confident. Usually, these zombie debt collectors are hoping to find uninformed people to prey on. Once he realizes you are knowledgeable, he’ll likely think you are not worth his time and move on,” I told her.
Settling the Zombie Debt
“But what if he doesn’t back off?”
“Well, you said that you settled the debt, right?”
“That’s right. I settled with the credit card company. Paid them what I could to make it go away, probably about 25% of what I owed.”
“And how long ago was this?” I asked.
“About five years ago.”
“Lydia, all this works in your favor. That’s past the statute of limitations here in Texas. So while he can still try to collect, he can’t sue you. I really think the letter will make him go away, but you’ll have options if he pursues this. I just don’t think it’s worth worrying about at this point. Just send the validation letter and it should go away. But if it doesn’t, rest assured, I’ll be here to help you.”
“Thanks Chris, you’ve made me feel much better. I trust the letter will make this zombie collector go away, but even if he doesn’t, I feel like we’ve got this under control. I’m so glad I called too.”
Schedule a Consultation With Our Firm to Learn About Zombie Debt in Texas
Trying to understand zombie debt in Texas can be stressful and challenging, but you do not have to face it alone. Our team of experienced Dallas debt defense attorneys is ready to provide you with the guidance, support, and legal advocacy you need during these challenging times.
Whether you are wondering about zombie debt or navigating other debt related issues, we are here to help you every step of the way. We welcome you to schedule a consultation to discuss your situation and case objectives. We can answer your legal questions and discuss how we can help you move forward. Call our law office at (888) 584-9614 or contact us online to schedule your consultation.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Every situation is unique, and you should consult with a qualified attorney for specific legal guidance regarding your circumstances.
