Easily Stop Harassment from Zenith Debt Recovery

Have you started getting calls, mail, and visits from Zenith Debt Recovery? If so, you may wonder who they are, whether they're legit, and perhaps most importantly, how to get them to stop bugging you. But it can be difficult to figure these things out, even when you have one of their representatives on the phone.

You know you have unpaid debt or two and you are saving up to settle them and boost your credit score. However, you're not sure whether dealing with these people will help or hurt your case. DoNotPay can help.

Read further to learn how you can take advantage of the world’s first ever robot lawyer’s expertise in dealing with aggressive debt collectors and clearing your credit report.

Who Is Zenith Debt Recovery and Why Are They Contacting Me?

If you are being contacted by Zenith Debt Recovery, chances are it is for a debt you owe. Zenith is the trading name for Debt Recovery Plus Limited. They are also referred to as Zenith Collections, but all these names refer to the same company.

Zenith Debt Recovery is indeed legitimate, and it works with both private companies and public agencies to collect outstanding debt. Depending on their clients, they may collect payments ranging from overdue store credit card debts to unpaid parking tickets.

You may reach out to Zenith through the following contact details:

What Happens if I Don't Respond to Zenith Debt Recovery?

While getting badgered by collection calls from Zenith Debt Recovery can be nerve-wracking, they must not be ignored. Debt collectors may take further legal action against you, including taking you to court and obtaining a County Court Judgment (CCJ) order. When they do, you'll receive a letter in the mail that notes:

1. The total amount of the debt that CCJ is trying to collect
2. One or more payment options
3. A deadline for making a first installment payment and/or payment in full
4. Contact information for where to send your payment

When a debt collector obtains a CCJ order against you, it will appear on your credit report for six years, no matter how long it takes you to pay the debt off. The CCJ will lower your credit score and may affect your ability to obtain credit cards or financing.

Once a CCJ has been issued, Zenith Debt Recover can pursue their debt further through an:

• Attachment of Earnings
• Bailiff action
• Charging Order

An Attachment of Earnings is a legal order that mandates that your employer deduct a portion of your money from each paycheck that will go to satisfy your debt.

A bailiff action allows bailiffs to come to your home and remove some of your assets to satisfy your debt. However, under a bailiff's action, bailiffs may not remove:

1. Children's belongings
2. Household goods
3. Tools or vehicles necessary for you to go to work

A Charging Order is another type of legal order that allows a debt collector to secure their debt against your home. If you don't pay, you could lose your valuable possessions and your home. Further, a debt collector may use a Charging Order to ask the court to force you to sell your house to pay what you owe

While these are worst-case scenarios, they can occur if you don't make payments and don't respond to Zenith when they reach out. By doing so, they will assume you have no intention of paying the debt and will use these more aggressive options to obtain the money they're charged with recovering.

We would recommend reaching out to them but do not commit to an arrangement right away. Weigh your options as debt collectors will often try to work out a payment plan with you so they can get their money back.

Has Zenith Debt Recovery Violated My Rights?

While debt collectors like Zenith Debt Recovery can contact you via phone, mail, and in person, there is a list of things they cannot do to recover the debt you owe. These include:

• Adding additional costs and fees to the original debt beyond a maximum of 8 percent interest
• Calling you at work
• Contacting you before 8 am or after 9 pm or on weekends or holidays
• Enter your house without your express permission
• Pretending to have the legal authority to take additional actions to secure the debt
• Reaching out to you via social media
• Send bailiffs to your house
• Share your debt with friends or family members
• Threaten you

If a debt collector takes any one of these actions, they are in violation of the law. However, many people don't report these violations because they feel frightened or guilty about owing the debt.

They also may have difficulty determining exactly what to do and to whom to report these actions. As a result, some unscrupulous debt collectors continue to get away with these abusive and threatening tactics.

DoNotPay Can Help You Handle Zenith Debt Recovery's Collection Attempts

Laws were passed to protect debtors from being harassed and threatened by overzealous debt collectors. If you're dealing with a representative of Zenith Debt Recovery who has engaged in any prohibited acts, you should take action. If not, the abusive tactics will only continue, and no one should have to deal with the stress or anxiety they induce

No matter how much you owe or your debt situation, DoNotPay can help. We can help you determine whether Zenith Debt Recovery has broken any laws in their efforts to get you to pay and even help you negotiate a debt settlement on your behalf.

You can follow these simple steps to get started:

1. Search “debt collection” on DoNotPay.

2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

Once you take these three steps, we'll be able to help guide you towards the best solution to dealing with Zenith Debt Recovery and your debt.

How DoNotPay Can Help You Handle Your Other Financial Affairs

Using our efficient "Debt Collection" tool, we've been able to help people just like you handle debt collection efforts from agencies and lenders like Advantis, Amigo Loans, DWP, Lowell Financial, Marston Group, Moorcroft, and Provident. But we do more than just help people deal with debt collectors.

You can also use DoNotPay to:

• Enjoy free trials
• Handle your bills
• Find missing money
• Obtain credit limit increases
• Cancel a subscription or service
• File a complaint
• Pay bills online

Whatever tedious financial task you need to tackle, DoNotPay can help. And if you need to get Zenith Debt Recovery agents off your back, all you need to do is sign up now.