what to do if you are contacted about zombie debt
debtors can protect themselves from harassment under the fair debt collection practices act fdcpa 1 this particular law limits the behavior and actions of third party debt collectors and restricts the means and methods by which they can contact debtors as well as the time of day and number of times contact can be made the important thing is not to spend any time on the phone with the debt collector ask for their address and send them a certified letter within 35 days of contact dispute that you owe the debt and ask them to prove that you owe it if you continue to be contacted by the debt collection agency write them another letter and inform them that they cannot contact you unless it is by writing or if they are going to sue you if the debt is beyond the statute of limitations the collector will probably go away 