Information about your account and your rights
When an original creditor is unable to collect on an account, they may sell it to companies like ours. We work with specialized servicing firms who reach out to consumers on our behalf to handle all communications and account management. This is a legal and regulated process, and your account remains valid.
You have the right to request verification of your debt. This includes information about the original creditor, the amount owed, and documentation proving the debt is yours. The servicing company managing your account can provide this information upon request.
We understand that everyone's financial situation is different. The servicing companies working on our behalf can offer various payment options including payment plans, settlements, and other arrangements. Contact them to discuss what might work best for your situation.
Your original creditor sold your account to us. This is a common and legal practice. We work with professional servicing companies who reach out to consumers on our behalf to handle all communications and account resolution.
Yes, when a debt is sold, it remains valid. The new owner (in this case, Zyra Financial) has the same legal right to collect the debt as the original creditor did.
Absolutely. We can find financial solutions that work for you, including paying over time, payment plans, and other arrangements. The servicing company handling your account is authorized to discuss various options to help you resolve your debt in a way that fits your situation.
We understand that financial hardship happens. The servicing company managing your account can discuss your situation and offer various payment options to find a solution that works for you.
We believe in empowering consumers with knowledge and resources to make informed financial decisions.
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Learn MoreIf you have questions about your specific account, payment options, or need to verify your debt, our servicing partners are here to help.
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