I was contacted recently about a debt that I had three years ago. I paid some on it according to the debt collector but I thought I had paid all of it because for the past three years I have not had any contact from them at all. I saw something about statue of limitations and was wondering if that had past, it was in Indiana that the debt occured.
Just because you are being asked to pay it again does not mean you didn’t pay it off before. These zombie debts are resurfacing more and more these days. These are debts that a new collector is attempting to collect on because they count on the average consumer not keeping records of a previous payment.
You have a some choices:
These zombie debts are getting to be a real problem. The best thing to do if you pay a debt off is to pay it by some method in which you get a receipt for payment. You can write a check, pay by Western Union, use a credit card or a debit card. Next, keep proof of the payment with your other important papers so if an old debt resurfaces years from now you know where to look for the proof of payment.