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- W3121240370 abstract "The debt-collection business is booming, led by a dramatic increase in the sale and collection of defaulted debts. Annually, debt buyers purchase more than $100 billion in debt (based on the debts’ face value). In a typical debt purchase, buyers pay only a small fraction of face value; in return, they receive extremely limited and often inaccurate information. Many of the debts that buyers seek to recover are dead debts because they never existed, or are no longer enforceable by operation of law. Consumers who receive communications from debt buyers often complain about mistaken identity and identity theft, because they did not incur the alleged debts. Other debt-collection issues arise when debt buyers seek to recover debts that have previously been paid or settled, discharged in bankruptcy, or have become time-barred because the collection period under the statute of limitations has expired. By obtaining judgments, or persuading consumers to pay a portion of these debts, acknowledge these debts, or enter into new agreements, collectors can resurrect and enforce dead or non-existent debts. The media has labeled these resurrected debts as “zombie debts.” 1 Just as the zombies in movies come back from the dead to terrorize individuals, dead" @default.
- W3121240370 created "2021-02-01" @default.
- W3121240370 creator A5003188613 @default.
- W3121240370 date "2014-01-01" @default.
- W3121240370 modified "2023-09-26" @default.
- W3121240370 title "PROTECTING CONSUMERS FROM ZOMBIE-DEBT COLLECTORS" @default.
- W3121240370 hasPublicationYear "2014" @default.
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