Debt collectors like Zenith Financial Network, cannot harass you over a debt. You have rights under the law. We will stop the harassment once and for all.
THE BEST PART IS…
If Zenith Financial Network violated the law, you will get money damages and Zenith Financial Network will pay our fees and costs. You will not pay us a penny for our time. 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 Zenith Financial Network?
Zenith Financial Network is a third-party collection agency, headquartered in Boca Raton, FL and started its business in 2012. Zenith Financial Network is a corporation. According to the Better Business Bureau (“BBB”), ZFN is categorized as a collection agency. According to Zenith Financial Network’s website, ZFN focuses on accounts receivable management services specializing in consumer collections throughout the United States.
It appears that Zenith Financial Network collects on debts owed to third parties and collects on debts that it purchases. Therefore, in some situations, ZFN may be a junk-debt buyer. For example, some collection agencies buy debt for pennies on the dollar, and then collect on it. ZFN collects on various debts. We’ve helped a lot of consumers deal with ZFN when ZFN is collecting on payday loans; debt owed to major financial institutions, such as credit cards, installment loans, auto loans; retail store credit cards; student loans; insurance claims; and healthcare debt.
Zenith Financial Network, Address, Phone Number, and Contact Information
Zenith Financial Network is located at 1489 Palmetto Park Road, Suite 360, Boca Raton, FL 33486. The main telephone numbers for Zenith Financial Network are 888-591-3861 and 888-420-1523. These are just two of many ZFN contact numbers.
Zenith Financial Network’s website is zenithfinancialinc.com
Phone Numbers Used By Zenith Financial Network
ZFN likely has dozens, if not over 100, phone numbers it calls from. Here are a few phone numbers ZFN may be calling you from:
Zenith Financial Network Lawsuits
If you want to know just how unhappy consumers are with ZFN, take a look at the number of lawsuits filed against Zenith Financial Network on the Public Access to Court Electronic Records (“PACER”). PACER is the federal docket throughout the country that lists federal complaints filed against ZFN. When you do a search for Zenith Financial Network, there are several lawsuits filed against ZFN. Most of these lawsuits involve consumer rights’ violations.
Zenith Financial Network Harassment
The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA. The FDCPA is a laundry list of what ZFN can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt. If ZFN is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.
The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls. Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long. You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line. You can get $500 per call if ZFN violates the TCPA. Have you received a message from ZFN that sounds pre-recorded? Or, maybe the message you received from ZFN is cutoff at the beginning or the end? These are tell-tale signs that the message is pre-recorded. If you have these messages on your cell phone, you may have a TCPA case against Zenith Financial Network.
The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts. If Zenith Financial Network took unauthorized deductions from your bank account, you may have an EFTA claim. ZFN, like most collection agencies, wants to set up reoccurring payments from consumers. Imagine how much money ZFN gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month. If you agreed to this type of reoccurring payment, ZFN must follow certain steps to comply with the EFTA. Did ZFN continue to take electronic payments after you said stop? Did ZFN take more money from your checking account than you agreed to? If so, let’s talk about your rights 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 handled a lot of cases recently where Zenith Financial Network reported debt on a consumer’s credit report. ZFN likely reports on credit reports to obtain greater leverage over the consumer. If ZFN is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report. This is commonly known as pay for delete. You pay ZFN, and they delete the debt from your credit report. Even if ZFN is not on your credit report, maybe the original creditor is. If you pay off the debt to ZFN, then the original creditor, and ZFN, should accurately report this on your credit report.
Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with 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 get $500.00 – $4,000.00 in damages per violation. We work with a local counsel in NC. Our NC clients have received some great results in debt collection harassment cases. If you live in NC, and Zenith Financial Network is harassing you, you have tons of leverage to get a great settlement.
HOW CAN WE USE THE LAW TO HELP YOU?
We will use state and federal laws to immediately stop Zenith Financial Network debt collection. We will send a cease and desist letter to get the harassment to stop the same day. If ZFN violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages. For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages. The FDCPA has a fee-shift provision. This means, ZFN pays our attorney’s fees and costs. If you have a TCPA case against ZFN, we will handle it based on a contingency fee.
THAT’S NOT ALL…
We have helped hundreds of consumers stop phone calls from ZFN. We know how to stop the harassment and get you money damages. ONCE AGAIN, you will not pay us a penny for our time. We will help you based on a fee-shift provision and/or based on a contingency fee. That means, ZFN pays our attorney’s fees and costs.
What If Zenith Financial Network Is On My Credit Report?
Based on our experience, ZFN does credit report. That means, ZFN will mark your credit report with the debt they are trying to collect on. In addition to Zenith Financial Network, the original creditor may be on your credit report. For example, if you owe Republic Bank and Trust on an elastic line of credit, and ZFN is collecting on it, both Republic Bank and Trust and ZFN may have separate entries on your credit report. This is important because you will want both parties to update your credit report if you pay off the debt.
THE GOOD NEWS IS…
If ZFN 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 maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information.
If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. We have helped dozens of consumers fix inaccurate information on their credit reports.
Complaints against Zenith Financial Network
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Zenith Financial Network. The complaints on the Better Business Bureau (“BBB”), various consumer websites, including on Pissed Consumer, and even the complaints on this page (below) are endless. ZFN is accredited by the BBB. The BBB gives ZFN a “B” rating. Despite its “B” rating, here are over 40 customer complaints on the BBB.
Here are some of the many BBB complaints regarding Zenith Financial Network:
- “Continued calls/harassment from a collection agency looking for someone that doesn’t reside at my number nor do I even know. I continue to receive a call, sometimes multiple daily, from this co…”
- “I constantly getting harassing calls on my job & personal cell phone & house phone. This could jeopardize my livelihood. I have received several complaints from the office staff, where I work, that someone from ZFN constantly calls and is very rude and obnoxious.”
- “Company personal VERY rude, do not identify themselves well
I am getting called on my work phone from very rude employees asking me to identify myself without telling me who their company is or what it is in reference to. When I ask for details, they get louder and ruder and hang up on me.”
Cases We Have Handled Against Zenith Financial Network
I THINK YOU’LL AGREE WITH ME WHEN I SAY…
Threats and harassment by collection agencies can be pretty intimidating. Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs. Here are some of the cases we’ve handled against ZFN:
- Victor R. v. Zenith Financial Network. Our client lives in California. Not only is he protected by the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act, but he’s also protected by the state Rosenthal Fair Debt Collection Practices Act. Here, ZFN was attempting to collect on a debt originating with a payday loan from Advance America. In this case, our client alleged Zenith Financial Network violated the law, by threatening that our client would go to jail and threatening to take our client to court. Victor also spoke with one of Defendant’s representatives and requested that ZFN stop calling him. Despite Victor’s request, ZFN continued to place collection calls to Victor’s telephone. ZFN used an automated dialer system to place calls to Victor’s telephone. Victor alleged Zenith Financial Network violated the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Rosenthal Fair Debt Collection Practices Act.
- Kimberly J. v. Zenith Financial Network. Kimberly lives in Missouri, and Zenith Financial Network was attempting to collect a consumer debt from our client. ZFN called our client on her cellular telephone. Zenith Financial Network called from (816) 306-0094, (855) 515-5161, (714) 467-2576, (202) 793-6723, (816) 287-2337 and (662) 260-6627, which are six of ZFN’s telephone numbers. On May 4, 2017, our client told ZFN to stop calling her cellular telephone. Despite Plaintiff’s request that the calls stop, Zenith Financial Network continued to call our client on her cellular telephone. We alleged that Zenith Financial Network violated multiple sections of the Fair Debt Collection Practices Act.
- Kamielya J. v. Zenith Financial Network. Our client lives in Florida. Not only is she protected by the Fair Debt Collection Practices Act, but she’s also protected by the state Florida Consumer Collection Practices Act. Here, ZFN was attempting to collect on a debt originating from a payday loan. In this case, our client alleged Zenith Financial Network violated the Fair Debt Collection Practices Act (“FDCPA”) by threatening to send the police out to arrest Kamielya and take Kamielya to jail if she did not pay the alleged debt. In this case, we alleged that ZFN violated multiple sections of the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act.
Here’s What Our Clients Say About Us
“A great experience with an even better outcome! I went to Agruss Law Firm for help end the harassment from collectors. I didn’t know my rights but they did.”
“Hiring this company was the best decision I have ever made. Not only am I pleased with the outcome. I am also pleased with the customer service.”
“When I first contacted Michael Agruss about harassment from a debt collector I never expected the service I received. Not only did the calls stop immediately, Mr. Agruss took my call and
asked me what was going on and was kind and patient and let me explain the whole story and what he could do to help…”
Can Zenith Financial Network Sue You?
Although anyone can sue anyone for any reason, we have never seen Zenith Financial Network sue consumers. It’s likely ZFN does not sue because they do not always own the debt they are collecting on. Also, ZFN would have to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s likely Zenith Financial Network collects debts through the entire country. Therefore, it would be very difficult to have lawyers, or a law firm, licensed in every state. There are collection agencies that do sue consumers. For example, Midland Credit Management is one of the largest junk-debt buyers. Midland Credit Management collects on debt and also sues on debt. The opposite is true with Zenith Financial Network. Therefore, it would be very unusual if ZFN sued you. The original creditor, on the other hand, may hire a collection firm, or lawyer, to sue you. If Zenith Financial Network has threatened to sue you, call us. We can help.
Can Zenith Financial Network Garnish Your Wages?
No, not unless they have a judgment. If Zenith Financial Network has not sued you, then ZFN cannot get a judgment. If Zenith Financial Network does not have a judgment, then ZFN cannot garnish your wages. Minus limited situations (usually dealing with debts owed to the government for student loans, taxes, etc.), in order to garnish someone’s wages, you need a judgment first. In short, we have not seen Zenith Financial Network file a lawsuit against a consumer. So, ZFN cannot garnish your wages, minus the exceptions listed above. If ZFN has threatened to garnish your wages, contact our office right away.
Zenith Financial Network Settlement
If you want to settle a debt with Zenith Financial Network, ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will Zenith Financial Network remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I get something in writing from Zenith Financial Network confirming 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 Zenith Financial Network, the folks at Agruss Law Firm are here to help you.
Share Your Complaints About Zenith Financial Network Below
Post your complaints about Zenith Financial Network. Sharing your complaints about ZFN will help other consumers know what to do when ZFN starts calling. Sharing your experience may help someone else.
HERE’S THE DEAL!
If you are being harassed by Zenith Financial Network over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls. Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee. That means, the collector pays your attorney’s fees and costs. You won’t pay us a penny. We have settled thousands of debt collection harassment cases. Let us help you today. Contact Agruss Law Firm at 888-572- 0176 to stop the harassment once and for all.