Who is Zenco Collects and why are they calling me?

Zenco Collects (also called Zenco Collections) is a third-party debt collector based in Richardson, Texas. They contact consumers about alleged unpaid debts, sometimes using aggressive tactics. :contentReference[oaicite:0]{index=0}

Is Zenco Collects a legitimate debt collector or a scam?

They appear to be a legitimate debt collection agency: they are known to be registered and have been named in lawsuits under the Fair Debt Collection Practices Act (FDCPA). Though many complaints allege harassment, threats, or failure to validate debts. :contentReference[oaicite:1]{index=1}

What constitutes harassment by Zenco Collects?

Harassment may include repeated or excessive phone calls, threats of lawsuits or arrest without legal authority, calling outside allowed hours, using abusive language, contacting third parties like your employer or family about the debt, or failing to validate the debt when asked. :contentReference[oaicite:2]{index=2}

How many times can Zenco Collects legally call me?

There is no fixed single number universally allowed, but under the FDCPA they cannot call with the intent to harass, and calls must not be so frequent or continuous as to constitute a pattern of harassment. Calls before 8 a.m. or after 9 p.m. or calls at work after being told not to are often violations. :contentReference[oaicite:3]{index=3}

Can Zenco Collects threaten me with arrest or legal action?

Debt collectors can threaten legal action only if they intend to follow through and if the claim is valid. However, threats of arrest or other false statements are illegal under the FDCPA. Many complaints indicate that Zenco has made such threats inappropriately. :contentReference[oaicite:4]{index=4}

What can I do if Zenco Collects contacts my family, co-workers, or employer about the debt?

Under FDCPA rules, they may not contact third parties about your debt, except to find your contact information, and they cannot disclose debt details. If they speak with family or coworkers about the debt, that may be illegal. :contentReference[oaicite:5]{index=5}

Can I dispute the debt Zenco Collects says I owe?

Yes. You have the right under FDCPA to request verification of the debt in writing. If they fail to provide proof or validate the debt, they must stop collection until they do. :contentReference[oaicite:6]{index=6}

Does Zenco Collects affect my credit score?

Yes. If Zenco reports the debt to credit bureaus and the debt is legitimate, it may negatively impact your credit score. You also may dispute inaccurate or incorrect entries. :contentReference[oaicite:7]{index=7}

Can I sue Zenco Collects for debt collection harassment?

Yes. If Zenco Collects violates federal laws like the FDCPA or state consumer protection laws (making false threats, failing to validate debt, etc.), you may have legal recourse including damages, attorney fees, and costs. :contentReference[oaicite:8]{index=8}

What steps can I take to make Zenco Collects stop calling me?

You should document every call (date, time, content), send a written cease-and-desist notice, request debt validation, report to regulatory agencies like CFPB or state attorney general, and consider consulting a consumer rights attorney. :contentReference[oaicite:9]{index=9}

Zenco Collects Debt Collection Harassment? Stop the Calls!

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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Zenco Collects Phone Harassment? Stop the Calls!

Is Zenco Collects (ZC) calling you? Stop Zenco Collects phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt?

If you are contacted by Zenco Collects, you have the right to verify any debt claim and ensure the company complies with federal laws.

If so what they are doing is illegal and needs to stop. Debt collectors are not permitted to use threats or harassment and must comply with all relevant laws. You have the legal right to stop ZC phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. You may also be entitled to compensation if Zenco Collects violates your rights.

Is Zenco Collects a Scam?

Zenco Collects is a debt collection company with a controversial reputation due to numerous consumer complaints and reports of aggressive tactics. According to the Better Business Bureau website, Zenco Collects has been in business for 4 years. There have been 60 complaints filed against the company with the BBB.

Zenco Collects Better Business Bureau

The Better Business Bureau page provides detailed information and consumer complaints about the company.

Who is Zenco Collects?

Zenco Collects is a third party debt collector located in Richardson, Texas. Zenco Collects must have legal authority to collect debts, and consumers should always verify this authority before making any payments. They have been sued in federal court for violating consumer’s rights while collecting on alleged debts. A recent Federal Court case alleges that Zenco Collects used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Many clients have reported positive outcomes after seeking legal help to resolve issues with Zenco Collects.

Legal services are available to help consumers deal with aggressive debt collection practices.

Address: PO Box 851733

Richardson, TX 75081

Phone: (469) 899-8910

Zenco Collects is often referred to or searched for by other names. These include:

zenco collects, zenco collections, zenco collection agency, zen co, zenco, premier holdings collections, zenco collects, zenco collection agency, zenco collections, premier holdings texas

Zenco Collects Collection Tactics

If Zenco Collects engages in any of the following tactics, you may have a case:

Not all collection tactics are permitted under federal law, and some actions may violate your rights as a consumer.

If you experience any of these tactics, explore your legal options to protect yourself and seek relief.

Zenco Collects Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

844-368-6626, 469-899-88910, 469-899-8910, 844-368-6626, 469-899-8909, (844) 368-6626, (469) 899-88910, (469) 899-8910, (844) 368-6626, (469) 899-8909, 8443686626, 46989988910, 4698998910, 8443686626, 4698998909,

If the answer is yes, then you are receiving calls from a known ZC number. You may be a victim of ZC phone harassment. The list above is not all the numbers that ZC uses. The calls can be from a different number and it still be Zenco Collects calling you. Contact our office right away so we can start the process to stop ZC from calling you illegally. Above all, no one should live with harassment!

Credit Report Protection: How to Safeguard Your Score from Zenco Collects

Protecting your credit report is essential when dealing with debt collectors like Zenco Collects. Your credit score can be affected if a collection agency reports inaccurate or unauthorized information to the credit bureaus. That’s why it’s important to stay proactive and informed about your rights under federal law.

Start by regularly checking your credit report for any signs of errors, unfamiliar debts, or suspicious activity that could indicate identity theft. Every consumer is entitled to a free credit report each year from the three major credit bureaus—take advantage of this by visiting AnnualCreditReport.com or calling 1-877-322-8228. If you spot any inaccurate information or debts you don’t recognize, act quickly to dispute them in writing with the credit bureau. This not only helps protect your credit score but also ensures that debt collectors like Zenco Collects are held accountable for any mistakes or abusive practices.

Here are some key steps to safeguard your credit report from Zenco Collects and other debt collectors:

Verify the debt: Always request a written validation notice from Zenco Collects before making any payment. This helps confirm whether the debt is legitimate and that you actually owe it.
Dispute inaccuracies: If you find any errors or unauthorized entries on your credit report, file a dispute in writing with the credit bureau. Keep copies of all correspondence for your records.
Monitor your credit: Set reminders to check your credit report regularly. Early detection of mistakes or identity theft can prevent long-term damage to your credit score.
Seek professional help: If you’re overwhelmed or unsure how to proceed, contact a law firm experienced in credit report protection and debt collection harassment. Many offer a free consultation to review your situation and explain your legal rights.

If Zenco Collects is contacting you with repeated phone calls or threats, you have the right to stop the harassment. Sending a cease communication letter in writing can require them to halt further contact. If the calls continue, file a complaint with the Better Business Bureau or the Federal Trade Commission. These agencies can help you hold debt collectors accountable for violating federal laws.

Remember, identity theft is a growing concern, and unauthorized debts on your credit report could be a sign that your personal information has been compromised. Stay vigilant, and don’t hesitate to take action if you notice anything unusual.

If you need help dealing with Zenco Collects phone harassment or protecting your credit report, reach out to a reputable law firm for guidance. They can help you dispute inaccurate information, stop abusive collection tactics, and recover statutory damages if your rights have been violated. Don’t let debt collectors damage your credit or peace of mind—take control by knowing your rights and seeking professional support when needed.

For more information or to schedule a free consultation, contact a law firm that specializes in debt collection harassment and credit report protection. You can also check the Better Business Bureau for complaints and ratings on Zenco Collects to stay informed and empowered. Protect your credit, your rights, and your financial future by taking action today.

Common Questions

Is ZC a scam? No, Zenco Collects has been in business for 4 years.

Can Zenco Collects garnish my wages? ZC can only garnish your wages after obtaining a court judgment. Garnishment is not permitted without this legal process, so if a debt collector threatens to garnish wages without a court order, it is not allowed.

Can ZC sue me? Yes, ZC can sue you so long as the debt is within the statute of limitations. If you are threatened with a lawsuit, it is important to consult a lawyer to protect your rights and understand your options.

Can ZC report my debt to the collections bureaus? Yes, ZC can report your debt to the credit bureaus. It is important to verify the original creditor to ensure the debt is accurately reported and to confirm the legitimacy of the collection.

Can ZC arrest me? No, you cannot be arrested for a civil debt. You are only responsible for paying debts you actually owe, so always verify any amount claimed before making a payment.

Do I have to pay Zenco Collects if I dispute the debt? You should not pay any amount to Zenco Collects until the debt is validated and you confirm what is actually owed.

The following is a sample list of complaints filed against Zenco Collects in the past year and can be found on Pacer.org.

5:15-cv-01350-DNH-TWD Barahmeh v. Zenco Collects

2:15-cv-14040-SFC-EAS O’Neil v. Zenco Collections

2:16-cv-02893-SRB Orr v. Zenco Collections

1:17-cv-05220 Benson et al v. Zenco Collections

5:17-cv-01046-DAE Keen v. Zenco Collections

About Us

is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Zenco Collects harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

Consumer Rights Law Firm Better Business Bureau

If you are interested in learning more about how to safeguard yourself and prevent harassment from Zenco Collects call us at

Success Stories

Many clients have achieved debt relief after taking legal action against Zenco Collects.

Check out the links below for more information:

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.