Jon D. Fish

“Unfair or Unconscionable”: A New Approach to Time-Barred Debt Collection under the FDCPA
Jon D. Fish
BA 2016, University of Kentucky; JD Candidate 2020, The University of Chicago Law School.

In search of an accessible epithet, newspapers across the country have christened debt that is barred by the statute of limitations “zombie debt.” This “funny term” for time-barred debt reflects its tendency to come back to life and attack when, like the first victims in a horror movie, consumers “seal their [ ] fate” by their own heedless approaches to debt collectors.