I'm new to the forum, but I've been reading the posts for a couple of weeks, and I'm finding a lot of valuable information to help us.
We are in the process of getting all the paperwork together to file a Chapter 13 on our debts. We're deep in CC debt, but have been able to pay the monthly payments on time. Unfortunately we had one card that our son was responsible for, even though he was only an authorized user. Due to a MAJOR screwup with the electronic payment between the Bank and Citi, the card went into default. We didn't know about it until after they started calling demanding the entire balance. We tried to talk to them about getting the payments caught up, but they refused to listen. So, here we are getting ready to file.
Last year, I received a notice concerning a debt that I "supposedly" owed. It was addressed to my previous married name, so I know this debt is at least 20 years old. I've been reading about zombie debts, and how to just ignore them. I've been getting calls monthly from some company called "Allied Interstate" about the debt. I googled the phone number on the web and found this is one of the "zombie" debt collection agencies and that they've been investigated/reported a number of times.
My question is, Do I claim this debt on the bankruptcy? How are zombie debts handled?
Any help would be appreciated.
We are in the process of getting all the paperwork together to file a Chapter 13 on our debts. We're deep in CC debt, but have been able to pay the monthly payments on time. Unfortunately we had one card that our son was responsible for, even though he was only an authorized user. Due to a MAJOR screwup with the electronic payment between the Bank and Citi, the card went into default. We didn't know about it until after they started calling demanding the entire balance. We tried to talk to them about getting the payments caught up, but they refused to listen. So, here we are getting ready to file.
Last year, I received a notice concerning a debt that I "supposedly" owed. It was addressed to my previous married name, so I know this debt is at least 20 years old. I've been reading about zombie debts, and how to just ignore them. I've been getting calls monthly from some company called "Allied Interstate" about the debt. I googled the phone number on the web and found this is one of the "zombie" debt collection agencies and that they've been investigated/reported a number of times.
My question is, Do I claim this debt on the bankruptcy? How are zombie debts handled?
Any help would be appreciated.
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