Warren & Migliaccio, L.L.P.

Dallas Family, Bankruptcy and Personal Injury Lawyers

Call For A Free Consultation (888) 550-6702
  • Our Team
    • Gary Warren
    • Christopher Migliaccio
    • Jonathan Frederick
    • Dan Varkey
    • Traci Diamond
    • Christopher R. Konneker
    • Sabah Hafiz
    • David Lane
    • Morgan Gill
    • Brandon Beuerlein
    • Client Testimonials
  • Bankruptcy
    • Debt Resolution
    • Chapter 7 Bankruptcy
    • Chapter 13 Bankruptcy
    • Benefits of Bankruptcy
      • Stop Creditor Harrassment
      • Keep Your Property
      • Stop Foreclosure
      • Eliminate Credit Card Debt
      • Repair Your Credit Score
    • Bankruptcy Myths Debunked
    • Creditor Harassment
    • Tax Debt
    • Wage Garnishment
    • Bankruptcy Video Center
    • Why Meet with Chris?
    • FREE Bankruptcy E-Book
  • Debt Lawsuit Defense
    • Being Sued by Debt Collector? What you need to Know.
    • What to do when you are being sued by Credit Card Company
    • Is it possible to be Judgment Proof?
  • Family Law
    • Divorce Timeline and Roadmap
    • Child Custody
      • Types of Child Custody Orders in Texas
      • Child Support Modifications & Enforcements
      • Child Support: The Details You Should Know
    • Contested Divorce
    • Spousal Maintenance and Support
    • FREE Divorce E-Book
    • Military Divorce
  • Estate Planning
    • Last Wills and Testaments
    • 9 Reasons You Need a Revocable Living Trust in Texas
    • Making and Funding a Living Trust in Texas
    • Is It Time to Update Your Estate Plan?
    • Dying without a Will
    • Estate Planning Packet
  • Next Steps
    • Next Step
      • Make a Payment
      • Richardson Office
      • Dallas Office
    • FAQs
    • Articles
    • Blog
    • Get Tax Transcripts or Tax Returns
    • Get Your Free Credit Report
    • How to create a Skype Account for Virtual Video Meetings
  • Camp Lejuene Victim Support
    • How we can help
    • Top 5 Questions and Answers About the Camp Lejeune Lawsuits
    • Symptoms of Water Contamination

What is “zombie debt”?

Post by Christopher Migliaccio Leave a Comment

When you file for bankruptcy, you do so expecting that the process will yield the discharge of certain debts and a fresh financial start. Some may find that some of their debts are not being recognized as discharged following bankruptcy. This type of debt is sometimes known as “zombie debt” because the discharged (or dead) debt keeps causing trouble.

While most major creditors and businesses generally recognize the elimination of your debts after bankruptcy, there are times when creditors sell debt to debt buyers at a discounted price, who may then try to collect the discharged debt from the consumer.

The debt buyer may report the debt to credit reporting agencies, make collection calls, send letters, and basically behave in the normal ways creditors do. However, zombie debt is not legally enforceable. These businesses are technically breaking state and federal laws by making it appear that the debt you had discharged in bankruptcy is still active. 

Handling Zombie Debt

It’s important to keep an eye on your credit report following bankruptcy to make sure that your debts are actually being shown as discharged. If you find discrepancies, you can contact the credit reporting agency to straighten things out.

If this doesn’t resolve the issue, you may have to speak with a bankruptcy attorney and have him or her make the call so the debt is properly classified as having been discharged. If problems continue with zombie debt, your attorney may be able to file an action against the creditors trying to collect the debt and engaging in abusive or illegal behavior.

Having a bankruptcy attorney on your side is important throughout the bankruptcy process and may even be important after the bankruptcy is complete if there are additional complications. Your attorney can help make the bankruptcy go more smoothly and can stand up for your rights during the bankruptcy process or following debt discharge. Call 888-584-9614 for a free consultation with a lawyer at Warren & Migliaccio in Richardson, Texas.

Categories: Bankruptcy Tagged: Bankruptcy

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Get Help Now!

Schedule a Free Consultation

If you need to speak with an attorney at Warren & Migliaccio, L.L.P.  submit our contact form or call either our Richardson or Dallas location to schedule a free consultation. We’re happy to meet at your convenience. Contact our firm today for legal counsel from experienced attorneys.

Practice Areas

  • Bankruptcy Attorney and Chapter 7 & 13 Lawyer Dallas, TX
  • Chapter 7 Bankruptcy Attorney
  • Chapter 13 Bankruptcy Lawyer
  • Child Custody Attorneys
  • Child Support
  • Dallas Divorce Attorney
  • Family Law
  • Spousal Support
  • Personal Injury

Recent Posts

  • What to Know if Facing a Galaxy International Purchasing, LLC Lawsuit in Texas
  • 3 Ways to Leave Your House to Love Ones In Texas
  • What to Do if Sued by Integras Capital Recovery, LLC for Debt Collection in Texas
  • What to Know if Facing a FAMSA, Inc. Lawsuit for Debt Collection in Texas
  • What to Know if Facing a First Portfolio Ventures II, LLC Lawsuit in Texas

Locations

Richardson/Plano Office
3600 Shire Blvd #205
Richardson, Texas 75082
(972) 684-5051

Dallas Office
10440 N Central Expy #800
Dallas Texas 75231
(214) 974-3965

Follow Us

facebook logo twitter logo youtube logo


More Resources
Blog
Articles
PaymentPortal

Pick a Topic and Empower Yourself

  • Bankruptcy
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Child Custody
  • Child Support
  • Estate Planning
  • Divorce
  • Divorce & Your Children
  • Family Law
  • Stop Foreclosure
  • Spousal Support
  • Auto Accidents
HomeDisclaimerPrivacy PolicyTerms of UseContact UsSite Map
© 2023 Warren & Migliaccio, L.L.P. All Rights Reserved