{"id":25798,"date":"2023-08-04T13:46:34","date_gmt":"2023-08-04T18:46:34","guid":{"rendered":"https:\/\/testbanksouthern-ada.aceone.io\/?p=25798"},"modified":"2025-12-29T10:48:50","modified_gmt":"2025-12-29T16:48:50","slug":"que-es-una-hipoteca-zombi","status":"publish","type":"post","link":"https:\/\/staging.banksouthern.com\/es\/what-is-a-zombie-mortgage\/","title":{"rendered":"\u00bfQu\u00e9 es una hipoteca zombi?"},"content":{"rendered":"

Por Charlestien Harris<\/p>\n

I know it's a little early en el a\u00f1o<\/a> hablar de zombis, pero \"ellos\" son un problema muy serio que \u00faltimamente se ha estado acercando sigilosamente a propietarios desprevenidos.<\/p>\n

First, let me give you a clear definition of what a \"zombie\" mortgage is. Zombie mortgages are mortgage debts that consumers thought were forgiven or satisfied long ago, but that still exist. The debts may have been written off by the lender and sold for pennies on the dollar to debt collectors. Before the recession hit in 2008, mortgage lenders sometimes sold borrowers two mortgages for the same property, instead of one. For example, a primary mortgage might cover 80 percent of the loan, and a second mortgage covers the remaining 20 percent. Now, years later, debt collectors are pursuing borrowers on these smaller second mortgages, tacking on years\u2019 worth of late fees and interest on top of the comparatively low principal balance of the second mortgage.<\/p>\n

According to the National Consumer Law Center (NCLC), there are several ways that you may be able to handle this problem if you are a homeowner dealing with this issue. Let's take a look at some of those ways below.<\/p>\n

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  1. Investigue las leyes de prescripci\u00f3n de su estado. <\/strong>
    Cada Estado tiene una ley de prescripci\u00f3n que regula c\u00f3mo, cu\u00e1ndo, qui\u00e9n y qu\u00e9.     deudas<\/a> pueden cobrarse una vez transcurrido un determinado plazo. Examine las leyes de su propio estado para determinar el plazo de prescripci\u00f3n aplicable a las ejecuciones hipotecarias. El siguiente paso es determinar cu\u00e1ndo comienza el plazo de prescripci\u00f3n para su situaci\u00f3n. Debe fijarse en estos tres factores cuando trate de determinar su plazo:<\/li>\n