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The best way to fight zombie debt is to ensure the collections agent or lender has a right to collect. By definition, zombie debt has been “dead” for a long time, maybe even years. This could render the original financing agreement or bills no longer valid. If you are contacted by an agent or lender regarding debt that is more than 12 months old, start by writing a request for the lender to verify its right to collect. If the debt is verified, repay it immediately, but ask the lender to remove negative information from your credit report. This can at least save your credit, even if you end up having to pay the bill.

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