Is a Legitimate Debt Collector? What You Need to Know

  • Post author:
  • Post published:February 21, 2024
  • Post category:Reviews

Debt collection can be a frustrating and even scary process. Many consumers report receiving calls or letters from unfamiliar companies demanding payment for debts they don’t recognize. One such company is, which has generated numerous complaints of overly aggressive and suspicious practices.

As a consumer rights advocate and credit expert with over 10 years of experience, I decided to investigate Zenith Debt Management Services and provide the facts so you can determine if they are legitimate or not. Here is what I uncovered.

Overview of

Zenith Debt Management Services claims to be a debt collection agency that works on behalf of creditors to recover unpaid debts from consumers. Their website states they have 16 years of experience and have worked with 40,000 customers.

However, there are a number of red flags with this company:

The website was just registered in October 2022, despite claiming 16 years in business. This indicates the company is likely new and trying to appear established.

There are no company addresses, leadership names, or background information provided on the website. Most legitimate businesses provide this information.

Numerous complaints allege Zenith Debt uses robocalls and harassment to collect on debts not owed. This behavior is consistent with scam debt collectors.

The language and branding on their website is nearly identical to other debt collectors like ASG Recovers that have been fined for illegal practices. This suggests it was copied from similar bad actors.

Overall, this evidence suggests is likely a new company hiding behind claims of experience and a professional looking website to appear credible to consumers.

Tactics and Complaints Against

Consumers reporting contact with Zenith Debt Management Services describe high-pressure and suspicious behavior trying to collect on debts:

ALSO READ:  Is Launching Deals Legit? An Honest Review About

Frequent robocalls from a variety of spoofed phone numbers to avoid blocking. This tactic frustrates and confuses consumers.

Refusing to provide any details on the alleged debt unless personal information is first shared. Legitimate collectors won’t demand this.

Calling repeatedly even after being told they have the wrong person. Continued calls to the wrong person are against regulations.

Threatening lawsuits, arrest, wage garnishment, or other consequences for non-payment. These are often empty threats used to manipulate worried consumers.

Trying to obtain payment information immediately over the phone before providing written notice. Legal collectors will always mail official notice first.

Lacking mailed documentation validating the debt despite requests. Collectors are required to provide this.

  • Claiming debts that the consumer never actually owed originally. This is a sign it may not be a real debt.

These types of aggressive, misleading, and threatening behaviors violate ethical and legal standards for debt collectors under the Fair Debt Collection Practices Act. However, continues engaging in them based on increasing consumer complaints.

Are’s Practices Legal?

The Fair Debt Collection Practices Act (FDCPA) regulates the conduct of debt collectors and the following practices by likely violate it:

Harassing consumers – The frequent unwanted calls reported are clearly harassment under the FDCPA.

False threats – Threats of arrest, lawsuits, and garnishments used by Zenith Debt are usually empty threats that still violate laws.

Calling third-parties – Contacting anyone other than the consumer without consent is typically prohibited.

Refusing debt verification – Consumers have a right to request validation of the debt but denies it.

ALSO READ:  Altex Momentum Scam or Legit? Review

Sharing false information – Any inaccurate statements about the debt or consequences of non-payment made by Zenith Debt are illegal.

In addition to FDCPA violations, the lack of licensing is a major red flag. Legitimate debt collection companies are licensed in the states where they operate. However, does not appear to be licensed anywhere based on searches of state databases.

How to Verify If a Debt Collection Company is Legitimate

Given the concerning and likely illegal practices of, it’s important to verify any company claiming you owe a debt. Here are important steps to take:

Ask for written validation of the debt – Request in writing details about the original creditor, amount owed, and history of the debt. Collectors must provide this within 5 days if requested.

Review your credit reports – Unpaid debts will show up here. If the collector’s claimed debt doesn’t appear on any report, it’s likely wrong or fabricated.

Look up company licenses – Check if the company is properly licensed in your state by contacting your state consumer protection office. Lack of licensing is a red flag.

Contact the original creditor – If you find the original creditor for the alleged debt, reach out to them directly to confirm if the debt is valid and they authorized collection efforts.

Report scam collectors – If a collector refuses to provide information or you confirm you don’t owe the debt, report them immediately to the FTC and state authorities.

Do not pay anything until you confirm beyond any doubt the debt is legitimate. Scam collectors often disappear once questioned or reported. Know your rights!

ALSO READ:  Is Paid2Play Legit or Scam? Don't Get Fooled By Fake Reviews

Recommendations for Handling

Based on multiple warning signs of illegal practices, appears to be a likely fraudulent debt collector that consumers should exercise extreme caution with. Here are some recommendations if you are contacted by them:

  • Ask for written validation of the debt and review it carefully if provided. Look for discrepancies.
  • Independently confirm the debt by checking credit reports and contacting the original creditor.
  • If the debt cannot be verified, send a cease and desist letter demanding no further contact.
  • Report any further contacts or harassment to the FTC and your state consumer protection agency.
  • Consult with a consumer rights lawyer about applicable laws broken to consider legal action. A letter from an attorney can also help stop calls.
  • Do not provide any personal or payment information over the phone until the debt is validated.
  • Warn others about this company on consumer forums if possible to help prevent more victims.
  • Review the FDCPA so you understand your rights when dealing with any debt collectors in the future.

Standing up to suspicious collectors like takes some work, but is critical to stop their illegal practices and protect your rights.

By taking the proper steps, you can identify if the debt is truly valid and seek accountability if they are indeed a scam operation. And if enough consumers fight back, shifty companies like this will eventually disappear for good.

Recommended Reading: Review: Customer Complaints