Credit Bureau Garnishment Lender Original Creditor 
Credit Corp
JUNE 14, 2020
The original lender or collection agency fails to collect within the statute of limitations. The unpaid debt falls off your credit report after a certain amount of time. Suddenly, the debt reappears on your credit report, except now it’s a zombie debt. That can include wage garnishment or levies.
Sawin & Shea
JUNE 9, 2021
Approximately one third of consumers with a credit bureau file were contacted by at least one creditor or debt collector each year, according to a CFPB (Consumer Financial Protection Bureau) survey. The FDCPA applies only to debt collectors (the third-party collection agencies), not to the original lender.
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