412-281-1250 or 1-888-536-6644| inquiry@pacreditcardlaw.com

Credit Card cases - Zombie Debt

Have you just received a debt collection letter or lawsuit on an old credit card account that you forgot about?

Zombie debt, we hear about it all the time. You may have had a credit account from years ago that you defaulted on and you simply forgot about it. Perhaps you have received a debt collection letter from LVNV or Atlantic Credit and are wondering who they are? If this happens, contact our office right away for guidance and a consultation.

Delinquent credit card accounts are bought and sold all the time, its one of the biggest businesses on the planet. Sometimes, these delinquent accounts get "lost" for periods of time, only to resurface at a later date. If this happens to you, either in the form of a lawsuit or a debt collection letter, then you need to be proactive and attack the problem right away.

Defending a lawsuit is actually the easy part. You can simply hire our firm and we'll take care of everything. There is typically little to no involvement by our clients in a credit card lawsuit defense matter once our firm takes over.

If you have received a collection letter regarding Zombie Debt, then our approach would be to agressively contact the junk debt buyer and force them to show their hand. If they are unable to validate the debt, then you may have a lawsuit against them for an unfair debt collection practice.

The key to many of these cases is the actual age of the debt. The Statute of Limitations on a delinquent credit card account is four (4) years, and if a junk debt buyer files a lawsuit against you after the Statute has expired, then you will have a lawsuit against them for their violation of the federal Fair Debt Collection Practices Act (FDCPA).

Contact our office today at 412-281-1250 or 1-888-536-6644 for a no cost, no obligation review of your Zombie Debt issue.

Clay Morrow, Esq.

Clay handles the claims that are filed against debt collectors who make illegal threats or who place improper marks on your credit report.  Clay typically can make the debt collector pay your legal fees.

Greg Artim, Esq.

Greg defends consumers who have been sued by junk debt buyers, collection agencies or credit card companies. The odds of success in these cases are tilted strongly towards the consumer.

PA Credit Card Blog

Visit our PA Credit Card Blog for a collection of articles and posts about Pennsylvania credit card laws and some of the credit issues that we have faced.
About Our Firm

At Morrow and Artim, P.C. our focus is on Pennsylvania Consumer Law, whether its defending against collection agency lawsuits, suing debt collectors, handling unfair trade practice claims or assisting with identity theft matters.

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Morrow & Artim, P.C.
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