Zombie Debt: The Financial Trap That Just Won’t Die

Zombie debt may sound like something out of an old horror flick, but it’s a real—and financially dangerous—phenomenon. These are old debts that debt collectors try to bring back to life, even when they’re well past the legal statute of limitations. And if you’re not careful, responding to these debts can make them legally collectible again.

“Zombie debt is a trap,” warns Tammy Bleck, a contributor and consumer advocate. “In California, the statute of limitations is four years for written contracts and two years for verbal agreements. After that, they can’t sue you—but if you acknowledge the debt or make a payment, you could reset the clock.”

Debt collectors often rely on people not knowing their rights. Some even use intimidation or shady tactics to trick consumers into making small payments—just enough to revive a long-dead account. “The best advice?” says Bleck. “Don’t engage. Don’t pay. Don’t even admit it’s yours unless you’ve verified everything.”

Jerry Granata echoed the warning. “First, find out who’s contacting you. There are scammers out there pretending to be collectors just to get your money. Do your research before you say or pay anything.”

Bottom line: if a collector comes knocking about an old debt, think twice. Don’t wake the dead—and definitely don’t pay it back to life.