Stop collection attempts on old or time-barred debts that can no longer be enforced.
Evidence to gather
Strong documentation makes your demand letter harder to ignore.
- Contracts, invoices, or receipts tied to the dispute
- Photos, screenshots, or inspection reports
- A written timeline of events and communication
If they ignore your letter
Be ready to escalate with small claims or a regulatory complaint once your deadline passes.
The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Common Zombie Debt Collection Issues
Our demand letter generator helps you address these typical problems:
- Collectors chasing expired debt
- Threats to sue on old accounts
- Missing account documentation
- Debt resold multiple times
Zombie Debt Collection Checklist
Gather these details before you generate your letter:
- Collection notices with dates
- Any proof of the original account age
- Notes from calls or written threats
How It Works
Describe Your Issue
Tell us about your Zombie Debt Collection dispute, including dates, amounts, and what happened.
Select Your Location
Choose your state or region so we can include relevant laws and legal citations.
Generate Your Letter
Our AI creates a professional demand letter with proper legal formatting and references.
Send to Recipient
Download your letter and send it via certified mail or email to the other party.
Common Questions About Zombie Debt Collection
What does time-barred mean?
It means the statute of limitations expired, so the debt cannot be legally enforced in court.
Should I make a payment?
Be careful. A payment can restart the clock in some states.
Ready to Create Your Demand Letter?
Generate a professional zombie debt collection demand letter in minutes. Our free tool creates legally-formatted letters with relevant consumer protection and contract law references.
Generate Your Demand Letter Now