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How Zombie Debt Works 4

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 INTRODUCTION

At t a chin g z o m bie a cco un t s ha s be e n a lucr a t iv e in d us t r y f o r quit e s o m e t im e a n d

is g r o win g d a y by d a y .Wit h  t his g r o wt h we ha v e s e e n t ha t m a ny co m pa n ie s ha v e

be e n lo o kin g t o o bt a in t he n e ce s s a r y in f o r m a t io n t o buy t he d e bt , upd a t e t he

d e bt , r e ce iv e cr e d it f o r t he d e bt , a n d ult im a t e ly pla ce t he pur cha s e d d e bt whe r e

d e s ir e d . Wha t we ha v e n o t ice d is t ha t m a ny a r e n o t pr o ce s s in g t he s t e ps co r r e ct ly

a n d a r e hit t in g o bs t a cle s a lo n g t he wa y s o wha t we wa n t e d t o pr o v id e t o t he

in d us t r y is a ba s ic s t e p by s t e p g uid e f r o m lo o kin g t o pur cha s e t he a cco un t s t o

t he n f ully o wn in g t he a cco un t s f o r t he pur po s e d e s ir e d . T his g uid e will br ie f ly

g o o v e r s o m e t e r m s f o r t he n e w co m pa n ie s / in d iv id ua ls e n t e r in g in t o t he d e bt

buy e r s a n d s e lle r s in d us t r y t he n we will pr o v id e a cle a r s t e p by s t e p f o r m a t t ha t

we ho pe will o pe n t he d o o r s n e e d e d t o be s ucce s s f ul.   T ha n k y o u f o r y o ur

pur cha s e a s a lwa y s a n d le t s be g in ! ! !

INTRODUCTION
 ATTACHING ZOMBIE ACCOUNTS GUIDE

How Zombie Debt Works

Zombie debt generally refers to debt that is more than three years old, which has either been forgotten

about, already paid o , or belonged to someone else. This debt can be as old as 15 years in some cases.

The original creditor will most likely have given up on the debt and sold it to a debt collection agency

and after these agencies have tried to collect on the zombie debt they also sell this debt so the actual

account can change hands a number of times and  in the industry we compare it to the selling and

reselling of a use vehicle.

Statute of Limitations
The statue of limitations on how long a lender can attempt to collect on a debt is three-to-six years in

most states and even shorter in some. While the debt is still considered valid even after the statute of

limitations has passed, Many individuals do not try to pay these accounts o any longer.  However, the

companies that buy uncollectible debts are playing a numbers game. 

ATTACHING ZOMBIE ACCOUNTS GUIDE

 WHAT IS A CPN

                                                          

CPN” or “CPN number” can stand for credit privacy number, credit pro le number, or consumer

protection number. As you may know, a CPN is a 9-digit number that is often marketed as a

replacement for your Social Security Number (SSN).

Some celebrities and government o cials use CPNs to maintain their privacy since SSNs are linked to a

lot of personal information.  CPN numbers have been around for years and used in a positive way can

be very bene cial in any line of business.

A CPN might sound like a good solution if you have concerns about privacy or if you have had trouble

with your own credit record and want to “start fresh.”.

Now i must stat that a CPN number and the use of  such instrument has been associated with illegal

activity and this has caused a divide in the industry to if they are useful and legit.  We suggest that

anyone using this form to do your due diligence in obtaining one in the proper channels .

WHAT IS A CPN
 STEP ONE- PURCHASING ZOMBIE ACCOUNTS

  There are many individuals who will prey on newbies in this industry by selling debt twice , collected

debt, and fake debt which is a crime all in itself and the truth is there is no way you could possibly know

until you reach out the the credit card companies to have the debt updated .

STEP 1- Only purchase a few to make sure you are getting what you desire before buying bulk
. 

STEP 2 - Find a respectable website or collection agency that is transparent in doing business.
We have used Telegram ,facebook groups, and a well known respected website that we have
used is www.debtcatcher.com .

Step 3 -Ask for a Certi cate of ownership and/or original docs to the debt plus make sure they
have the account number,name, address,social number, original creditor, and birth date of the
accounts holder.

 Step 4 -Use a trusted payment platform to secure payment and have a track of who your doing
business with such as Zelle,cashapp, pay pal , pay pal invoice , and stripe. ( important note -
When buying debt from a debt seller know that they typically only sell debt and nothing else so
what your doing with the accounts they might not have any knowledge of so just purchase and
go.) 
STEP 5 - Understand when buying zombie debt that these account may have changed hands
several times and if it is zombie then in rare occasions some of these debts could have been paid
o and that is not common but has happen.

STEP ONE PURCHASING ZOMBIE ACCOUNTS

 STEP TWO -  CONTACTING ORIGINAL CREDITOR OR BUREAUS

THIS HAS BEEN THE STEP THAT HAS GIVEN THE MOST
ROADBLOCKS TO UP AND COMING BUSINESSES WHEN
TRYING TO UPDATE PURCHASED ZOMBIE ACCOUNTS BUT IN
ACTUALITY THIS STEP IS VERY SIMPLE AND EASY AS YOU
WILL READ :

STEP 1  -  Since we are talking about Zombie accounts then we are aware that these
accounts have changed hands numerous of times so contacting the original debtor for
zombie debt is not the path because they have since sold that account and have nothing
CREDIT BUREAUS to update the status and
to do with it!  The contact is with the
ownership of the accounts with your CERTIFICATE OF OWNERSHIP AND/OR
ABSOLUTE ASSIGNMENT OF DEBT .

STEP 2  -    Which is a continuation of step 1 , when you send your purchased

information to the credit bureaus you are asking for these accounts to be updated and
credited to your business and you send this information CERTIFIED MAIL
ONLY!!!!!!

NOTE :  THE ONLY TIME YOU CONTACT THE ORIGINAL DEBTOR IS

WHEN THE DEBT IS NEW AND HAS ONLY CHANGED HANDS ONCE OR
YOU ARE BUYING DIRECTLY FROM THEM AND THEN YOU WILL
STILL HAVE TO CONTACT THE CREDIT BUREAUS TO HAVE THE
PURCHASED ACCOUNTS UPDATED AND CREDITED TO YOUR
BUSINESS.

STEP TWO -  CONTACTING ORIGINAL CREDITOR OR BUREAUS

 STEP  THREE -  USING UPDATED ACCOUNTS

After receiving your updated accounts you are now able to

use your accounts as needed. Some use these accounts for
tradeline purposes , building credit , obtaining purchases ,
and other ventures that the business they run see fit. Others
use the purchase accounts for collecting on them or to resell
them on the market so there are numerous avenues to use
these accounts and to generate a successful stream of
income in this industry . As a woman that has been in this
industry for 15 years i have seen people become millionaires
fast and they have done this honorable and legit .

In conclusion I hope this information was helpful , simple ,

and to the point for anyone that has had the roadblocks with
what to do after purchasing zombie debt and how to update
the accounts to assign them where needed.

Thank you and good luck

STEP THREE - USING UPDATED ACCOUNTS

About The Author
Joanne Sullivan has been a successful author and business woman
for 15 years. She has written numerous books of business , stocks,
credit, and NFT associated information as her business ventures
are in these areas. Joanne Sullivan believes that everyone is entitled
to the proper information to have the opportunity to strive for
success and this is why she has begun to publish books on topics
that she is knowledgeable in and have done herself.

For more insight of popular business topic please visit  her website
             
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