Zombie debt is debt that has passed the state statute of limitations for legal collection, but debt buyers attempt to revive it through aggressive letters and calls.

Federal LawImmediately upon notice

Fight LVNV Funding Time-Barred Zombie Debt

FDCPA (15 U.S.C. § 1692e) & State Statutes of Limitations

LVNV Funding and Resurgent Capital frequently pursue 'zombie debt' where the legal statute of limitations for filing a lawsuit has already expired. Assert your affirmative legal defense in writing.

Estimated Savings

Complete debt dismissal

Step-by-Step Checklist

Check Date of First Delinquency (DOFD)
Review your credit report to locate the exact date when the original account first went delinquent.
Send Time-Barred Debt Estoppel Demand
Notify LVNV Funding that the statute of limitations has run out and that any threat of legal action violates federal law.

Legal Grounds

CFPB Regulation F prohibits debt collectors from suing or threatening to sue on time-barred debt
15 U.S.C. § 1692e(2) false representation of debt legal enforceability

Sample Letter Excerpt

The alleged debt on Account #[Number] is time-barred under the applicable state statute of limitations. Under 15 U.S.C. § 1692e and CFPB Regulation F, collecting or threatening litigation on time-barred accounts is unlawful. Close this file and cease collection immediately.

Frequently Asked Questions

What is zombie debt?: Zombie debt is debt that has passed the state statute of limitations for legal collection, but debt buyers attempt to revive it through aggressive letters and calls.

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