Debunking Myths Around Old Debt

What is old debt—and when can paying it actually make things worse?

In this episode of the Fight for Affordability series, we break down how old debt and “zombie debt” work, what it means when a debt is time-barred, and how it can still affect your credit. Learn your rights when dealing with debt collectors, how to verify whether a debt is legitimate, and why making a payment on old debt can sometimes restart the clock and hurt you financially.

Fear is a business model in the debt collection industry—but knowing your rights is how you protect yourself.

The video is part of AFT’s Fight for Affordability series, which offers practical guidance to help working people navigate debt and rising costs.