When you pay off a credit card, car loan or personal loan, you may spend a moment rejoicing that this one burden is now out of your life. You certainly do not go back to that debt from time to time to make sure it remains paid off. In fact, as time passes, you may completely forget that you ever had the debt in the first place.
Like many in Tennessee and across the country who struggle to pay their debts, you may be surprised and upset to receive a letter or phone call from a creditor, saying you owe money for a debt you can't remember or one you were sure you had already paid. You may feel tempted to send a payment just to avoid dealing with it any longer. Before you do so, you may want to be sure you are not paying for zombie debt.