Zenco makes up problems with a credit line and uses scare tactics to try to get you to give them money. THey called me one time to tell me that assets were in danger. It was listening to a machine at first because the person on the phone would not get to the point. He explained that I owed a lot of money to a bank that I had no association with I had no idea what he was talking about in all honesty. I do not know how he got my number. The calls continued and I had to just block the number because I was being harassed for thousands of dollars that I had no association with. I never got a court order like they threatened.