<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"><url><loc>https://www.edwardhood.com/p/debt-collectors-are-suing-on-expired</loc><news:news><news:publication><news:name>Edward W. Hood</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-07-06T20:06:34+00:00</news:publication_date><news:title>Debt Collectors Are Suing on Expired “Zombie” Debts — Show Up, Say These 5 Words, and Stop the Garnishment</news:title></news:news></url></urlset>