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SashaM

Confused and frustrated about reviving zombie debt?! Help!

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Okay, Im confused. I've read up on "tolling" and reviving zombie debt so here is my dilemma. I've got a few debt scheduled to fall off this year and the rest next year. The debts were all incurred in Michigan but I've lived in Minnesota for 5 years now. In 2009, I hired a debt management company (I know, I know) to manage my debt and they made partial payments to a few of my old debts in 2009. I cancelled them when I wised up and no payments have resumed since 2009. I've read up on the rules in Michigan and Minnesota, not sure which applies. Minnesota seems to say any new payment revives debt. But Michigan requires a new, written promise to pay to revive debt. Does anyone know if debt management companies make new written promises to pay on your behalf when you sign up? I never spoke directly with any of the creditors. Have I revived the zombie debt and now they are collectible by lawsuit for at least another 2 years?

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Before this can be accurately answered, what type of debts are these?  Credit cards, cable, utilities?

 

The biggest problem is you have lived in MN long enough they have to sue you there and that is probably THE most creditor friendly state in the country.  

 

What debts are these?

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