Zenco Collects

Debt collectors like Zenco Collects cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If violated the law, you will get money damages and Zenco will pay our fees and costs. You won’t pay us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Zenco?

Zenco is a debt-collection agency based in Richardson, Texas. The company is not accredited with the Better Business Bureau and has received over 70 complaints via the BBB in the past three years, almost all of which are for billing/collection problems. In February 2016, was notified by the BBB of a pattern in consumer complaints against the agency, which commonly allege that Zenco uses threats of arrest, prosecution, and garnishment to attempt to collect debts – which are sometimes as old as ten years – as well as failing to validate debts upon consumers’ requests.

Zenco’s Address, Phone Number, and Contact Information

Zenco is located at 903 N. Bowser Road, Suite 250, Richardson, TX 75081-2867. The main telephone number is 469-899-8910. Zenco’s website is www.zencocollects.com/. You can also submit a message to Zenco at http://www.zencocollects.com/contact-us/

Phone Numbers Used by Zenco 

Like many debt collection agencies, Zenco may use different phone numbers to contact debtors. Here are some phone numbers may be calling you from:

Zenco Lawsuits

If you want to know just how unhappy consumers are with Zenco , take a look at the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for will reveals a case against the agency in New York Northern District Court for a violation of the Fair Debt Collection Practices Act (FDCPA). The case was settled in February of this year.

Zenco Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if violates the TCPA. Have you received a message from Zenco that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against Zenco.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Zenco, like most collection agencies, wants to set up reoccurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, must follow certain steps to comply with the EFTA. Did Zenco continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC, and you’re harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Zenco’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped hundreds of consumers stop phone calls from Zenco, and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Zenco is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against Zenco

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Zenco. Below are some complaints from the Better Business Bureau (“BBB”) and various consumer websites.Here are some of the many BBB reviews and complaints against :

  1. “[Zenco] contacted me in a very aggressive and threatening manner. She threatened to put a lien on my vehicle and someone going to my home. [Zenco] was very rude, irate, aggressive, and threatening regarding a fraudulent lawsuit. She tried to intimidate me by providing personal information. I did not confirm my personal information with her over the phone. She continued to be aggressive and threatening on the phone. The phone call was recorded.”
  2. “Deceptive Practices, violations of the Fair Debt Collections Practice Act. Received a call from a Nina on my cell phone, she left a descriptive message that a debt was owed. I returned the call and she proceeded to berate me as if I was trash. Told my husband, he then called Nina, it was like pulling teeth to even get the name of the company, she then transferred him to a Karen in supposedly a different department. She refused to verify the debt. Saying it's too late for that. She proceeded to say the IRS would be informed. My husband tried to explain that even if it was my debt it is over the 6 year statue. She said there is no breach of contract statute of limitations on this credit card company. She is wrong. Zenco & Associates are in violation of the Fair Debt Collection Practices Act. We want them to no longer call or harass me. They refuse any proof of this debt.”
  3. “Received multiple threats that litigation and liens would be placed on my car/home for debt over 10yrs old. They also are not the owners of my account…I'm hoping they are not able to access my account even though I said not to and I didn't sign any agreements.”

Cases We’ve Handled against Zenco 

I THINK YOU’LL AGREE WITH ME WHEN I SAY…

Threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here are some of the cases we’ve handled against :

  1. Andrew C. v. Zenco – In April 2017, Andrew of St. Lucie County, Florida, pursued a claim against for violations of the Fair Debt Collection Practices Act (FDCPA) and Florida Consumer Collection Practices Act (FCCPA). Complaints included unlawfully contacting the plaintiff’s relatives regarding the plaintiff’s alleged debt, unlawfully attempting to collect a time-barred debt, and engaging in “harassing, oppressive, or abusive” conduct when attempting to collect debt. Andrew’s case resolved and our client was satisfied with the results.
  2. Janelle W. v. Zenco – In April 2017, Janelle of St. Lucie County, Florida, alleged a claim against for violations of the Fair Debt Collection Practices Act (FDCPA) and Florida Consumer Collection Practices Act (FCCPA). Complaints included repeated harassing phone calls and voicemails, engaging in “harassing, oppressive, or abusive” conduct when attempting to collect debt, false representation of the amount or legal status of a debt, and threatening to take actions which could not be taken or weren’t intended to be taken. We stopped the harassment, and our client was pleased with the outcome.  Plus, she did not have to pay us a penny for our time.
  3. Martin S. v. Zenco – In September 2017, Martin of Kern County, California, sought a claim against for violations of the Fair Debt Collection Practices Act (FDCPA) and the “Rosenthal FDCPA,” the debt-collection statute of the state of California. Complaints included “harassing, oppressive, or abusive” conduct when attempting to collect debt; unlawfully threatening to garnish wages, place liens on the plaintiff’s home and automobile, and arrest the plaintiff; and falsely representing the legal status of a debt. We resolved the case to our client’s satisfaction.  Most importantly, Zenco did not take any of the actions it threatened against our client.

What Our Clients Say about Us

Agruss Law Firm has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Zenco Sue Me?

Although anyone can sue anyone for any reason, we have not seen sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If has threatened to sue you, contact Agruss Law Firm as soon as possible.

Can Zenco Garnish my Wages?

No, unless they have a judgment. If has not sued you, then that agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Zenco has threatened to garnish your wages, contact our office right away.

Zenco Settlement

If you want to settle a debt with , ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors.  We are here to help you answer the questions above, and much more.  Whether it’s harassment, settlement, pay for delete, or any other legal issue with , the folks at Agruss Law Firm are here to help you.

Share your Complaints against Zenco Below

We encourage you to post your complaints about Zenco . Sharing your complaints against this agency can help other consumers understand what to do when Zenco starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at (888)-572-0176 to stop the harassment once and for all.

See all of the phone numbers that Zenco Collects may be calling from.

How It Works


You have rights

Robo-callers and debt collectors may be violating the law


We stop the calls

We make sure this number never harasses you again


You get money

Up to $1,000 for harassment, and $500-$1,500 for illegal robocalls


You don't pay a dime

The other side pays our fees and costs.

Click on your state, learn your rights

Hear from our clients

We are listening.

Submitted Complaints

I have no case. I just wanted to tell you that Zenco is the same company that was Commercial Recovery Systems. They changed their names three times to avoid being sued. These people are the same people should works at this crooked outfit. All these complaints proves my point by changing their names which is very crooked and dishonest. Unfortunately I worked for the Dallas branch 8 years ago just I didn’t break the law. I’m one of the few!

Hello. I have a few questions about zenco collects debt collector. There was an past due bill which I had made arrangements to have it paid biweekly until completely paid off. They had contacted me again and I had paid it on 3/9/17 because they told me that I had to pay it that day or they would contact work and take us to court!

Hello, I have a few questions about zenco collects debt collector. There was an past due bill which I had made arrangements to have it paid biweekly until completely paid off. They had contacted me again and I had paid it on 3/9/17 because they told me that I had to pay it that day or they would contact work and take us to court!

Last week on 2/28 Zenco called me and tried to collect on a debt I paid in 2012. It was a chase card that went delinquent. They said they were going to serve me with paperwork. As I was speaking with the collector I received a call from my grandmother who said she was contacted by Zenco. Zenco told my grandmother I was going to get sued. My grandmother contacted them and paid the debt. I took my grandmother to the bank to cancel the payment. They have been calling her non-stop since the payment was voided. They also said they would file a complaint against my grandmother with the attorney general. Zenco called both of us from 469-289-2653.

i was contacted by zenco debt collectors and have been harrassed. I've already been forced to pay money and now they are calling about another account. threating to ganish wages ar arrest by local authorities saying I only have until tomorrow.

Zenco said I own a debt I don't remember. They said I had a chase credits card from 2004 to 2011 I don't remember that card they said they would file a lawsuit in our parish. I Look at zenco collect BBB in Texas said they are fraud what do you know about De Ville Asset Management

Zenco called me saying they were seizing my truck from a credit card owed 10 years ago .the want 1600$ payment to squash debt. They said with interest i owed $7000.

I had a debt that was almost 20 years old that I got a call on today 7/25/17. They threatened a lawsuit, garnishment of wages, taking our cars, they even knew who we have our cars financed with. Original bill was $5353, said I was sent a letter in 2014 for settlement $3904. Made a deal to settle..1/2 payment of the $5353 and the remaining $732 to call it even ($3904).

Our son who is at work received call from zenco collections last evening. The told him a bank loan approved for $15000 now at $26000 and not repaid is now in their hands. Zenco threatened to garnish his wages or out a lien against his home if they do receive payment. Zenco said he could settle his debt for $6123 but it must be received but fir 7/28. Thank you

I want to know if Zenco Collections is scam. They threatened to take me to court so I paid. Ipaid them and they said it would be removed from her credit report but its still showing up on there.

I given Zenco 1000.00 for a debt they say I owe... should I have paid them??? A check is coming out of my acct tomorrow for 500.00... a check came out last month for 500.00.... she called my employer and left a message on my sec voice male with all the details about me being arrested