How To Send Zombie Mortgages Back To The Grave
Jan. 12, 2026 | Written by: Jennifer Lobb
How to Send Zombie Mortgages Back to the Grave
Have no fear. Rebuke them with facts.
After the 2008 crash, some mortgages were written off, settled, or foreclosed.
Years later, some debt collectors bought that old debt for pennies.
They may try to collect again —
adding interest, fees, and pressure —
even when, they may not have the legal right to do so.
Fear is their leverage.
Demand written validation.
By law, they must prove they own the debt and have the right to collect
Many old debts are beyond the statute of limitations.
And if you’re pressured into making a small “good faith” payment, that can restart the clock.
You can report issues to the Michigan Attorney General’s Office Federal Trade Commission and the Consumer Financial Protection Bureau —
You don’t have to handle this alone.
· Report illegal debt collection
· Michigan Attorney General – 877-765-8388
· FTC – ftc.gov | 1-877-382-4357
· CFPB – Consumer complaints
· Know your rights.