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Zombie Bankruptcy


by John G. Merna

Halloween is the best holiday in my book and apparently in many people’s book.  Our affinity for things that scare us such as Zombies is well demonstrated by the popularity of television shows such as “The Walking Dead” and “Z Nation”. 

Our usefulness for the idea of Zombies doesn’t just end with entertainment.  They also provide a useful metaphor for many of the financial calamities we face.  See if you are familiar with any of them.

Zombie Credit: 

Are you one of the “Walking Dead” when it comes to credit?  Are you current but maxed out on your credit. However, you can’t get more credit because of your debt to income ratio?  Do you have old unpaid debt sucking the life out of your credit score leaving you in a pit unable to move financially forward?  If so, then you are a “Credit Zombie”. 

Zombie Debt: 

Do you have old, unpaid debt reaching from the past trying to suck the life out of you? Are old creditors demanding large payments to cover the interests and penalties?  Has an old, forgotten debt been resurrected by a collection agency or sold repeatedly to several different agencies just unwilling to die?  

Zombie Foreclosure: 

Did you surrender a house back to the mortgage company either through a foreclosure or deed in lieu foreclosure yet it is still listed in your name?  Is the city or county still demanding you keep up the property or pay the taxes? Is that house you thought gone and behind you stalking you dreams like the undead.

Yes, folks.  Zombies will be everywhere this Halloween, including in your finances.  Get some powerful Zombie killing experience on your side and call the bankruptcy attorneys at The Merna Law Group.  We’ll put the Zombies out of their misery and resurrect your good credit quickly.  Have a happy, safe & Zombie-free Halloween….unless you are dressing up as one.

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