do you have an employee named Brian Cavallaro.

[roxette]

Hi Mel

You might be placing this question to Zwicker and Associates. Please contact them at the following address:

Zwicker and Associates, P.C.
800 Federal Street
Andover, MA 01810
978-686-2255

If you have any debt related queries, please feel free to discuss in this community forum.

Regards
Roxette

Peace

I first dealt with Zwicker back in May and made 3 post dated check payments with the intent to settle after.
In October, i spoke to Michael and we tried to settle but he then made accusations which were untrue and had to let him know. After that hell broke loose and trying to be professional led me to just go off as well as he.
Next... i spoke to stacy in which she made alot of mistakes in the conversation but i made sure everything was corrected and reiterated and a settlement was made if I made a payment. By the way... the settle amount that Mike stated wasn't noted in there system...hmm...
So the settlement was set and i asked for back up... so I called today cause I wanted to send the post dated check and stacey said that $200 needs to be added cause she didn't settle the amount...
In short words... i easily told her that her firm never stay consistent and changes there amounts and stories and etc. I then told her that I'll speak to her and her supervisor tomorrow.
Then Mike calls (and i asked never to speak to him again) and gives me all this shit with allowing me to speak and being rude... but i said I would only agree to the amount settled and he didn't recall me and zwicker settling the account so I hung up.

So what should I do next cause Stacey said that the CEO Paul Zwicker doesn't talk to people and would not give me his contact.

I have to report them to the BBB cause they need to honor the settlement and they were flip flopping from the start.
I was planning to save the money til the matter is resolved... so any advice.

I apologize for making this long but this is a strong issue on my end.
Worried about them sueing in a way but shit... i tried to settle and they play dum and damage control quick.

Help please!

Thanks

[ben]

Klutch,

One way of getting the matter settled is to place a written explanation to the local attorney general office and the BBB. They will contact the CEO of the company in legal terms on behalf of you and get this matter resolved. If they do not respond, you have to consult your lawyer and take this matter to the court with this unsolved query placed by the bureaus.

I will also suggest you to repeat this entire conversation once again with Michael and Stacey and this time, you should record the call. If you state allows, you don't have to inform the other party. Give it to your lawyer to enable further legal actions.

Also, you should send a letter to the company and request for urgent explanation. Send your letter through certified mail with return receipt requested. If they do not respond, this adds further towards your legal evidences.

I hope any or all of these options work

Hello,
I made $100 monthly payments to Zwicker set up by their attorneys Fabiano and Associates in NY. After a yer of payments they called in 12/04 to ask to renew my payment aggreement. I was under the impression that the debt was near paid in full. When I asked for the current balance I was told that a $2700 attorney fee was added to my $200 balance. I ceased making payments because this seem very shady. I do not remember being served a judgement but I also have moved quite a bit. Is this legal?? Do I have ot spend more money on a lawyer to fight this? Everytime I call, they will nit truly negotiate the price, only taking a few hundred dollars off. If they paid their attorney Fabiano, shouldn;t I be only dealing with them now? I am afraid taht they will just keep squeezing me for more. All this after I made good on my debt and ha it almost completey paid off.

please helo, any advice would be greatky appreciated

[ben]

Matty

You should immediately discuss this matter with some professionals. They will definitely try to solve this matter at the best so that your hard earned money does not go in waste.

Zwicker is a shady company with lots of illegal activities in consumers' accounts. Take an expert's counseling from this website and let them work on this matter. Please fill the free registration form.

http://www.debtconsolidationcare.com/signup/

Hi,

I received a call from Zwicker and assoc. in early November notifying me that my delinquent student loan was about to becoma a court case. I guessed it was possible that I missed one of my student loans. They clalimed to have tried to contact me at an old address since July 2005...I'm staring to doubt this as they called me on my cell # which I have had for over 6 years. They told me I had to make some payment arrangement that day. The man I spoke with assured me that he would send a copy of the promisary note as soon as Sallie Mae sent it to them. I did a phone check that they told me was to be made out to Sallie Mae and have all of the rest of my account info on it as it appears on the check. The man I spoke with even told me to write out Sallie Mae on the actual check.

A day befor the check was to be cashed, I contacted this company and spoke with another rep. who was very rude. I told them that I was stopping payment on the ceheck as I have received no verification that this debt was mine. He finally told me he doesn't have to send me anything and refused to let me record the call.

I noticed yesterday that a check for the same amount cleared my bank. I was told by the bank, in a phone conversation today, that the check was made out to Zwicker and Associates PC and had a different check number. That is why it cleared even though payment was stopped. I was told that there is nothing that they could do to refund the amount since it was paid to a non- California bank. This seems fraudulent to change a name on a check. I winder if it was done intentionally to bypass the stop payment.

Is there any recourse that I have?

Sorry the msg is so long.

Sandfly

[ben]

Sandfly

Please make sure whether Zwicker and assoc. has transferred the money towards your debt account. If not, then you should file legal charges against them.

Although, the company should not have cashed the check with a different name, but there is nothing to worry if the money has gone to your account.

Ben,
Thanks for the respose. The reason I stopped payment is because they refused to send me documentation that the loan was mine. I never took out a student loan directly from Sallie Mae, but it could have been transfered. I'm concerned as to why they did not provide this info right away as they siad they would. I got a lame excuse when I talked to a different person.

If I had known that the check was going to be chnged into their name, I would not have agreed to this. I would have paid to consult a lawyer before giving them a payment for an unverified loan into their account.

Sandfly

[ben]

I agree that the collection agency should give you the complete info about your accounts when requested.

Talk to your original creditors and see if they can give you some details about this loan account.

Also, write a letter to Zwicker and associates and make them aware of the unfair activity they have committed. Tell them that if they do not give you in writing that the money has been transferred to your debt account, you intend to make it a legal issue.

I suggest that all who are griping not to rack up cc's that they cant afford to pay. U wouldn't be in collections if 1/2 of u paid ur bills. If u can afford a computer and the internet u can afford to pay $$$ u already spent!!!!!

[Not so Lucky]

Excuse me Ashley, but I have a big problem with your comment. Have you ever heard of people falling on hard times? Many of us in here have! We all pay our bills!!! For your information, my computer was a christmas present 3 years ago and the internet is cheap. So get off your soapbox :!: :!: :!: :!:

To everyone complaining about Zwicker & Assoc. They are hired from companies to collect a debt that has been owed for a while and can't be obtained by the original creditor. They are just doing there job, the problem lies within the original creditor or the person borrowing the money. How can people expect to borrow money or charge money because of hard times and not expect to pay it back. Well, the money has to be paid back eventually.

[john]

There is not a problem in paying back the debt taken. The problem is either with the collection agency or the original creditor who fail to present the account properly. If proper information about the accounts is not given, people can refuse to pay back the company. Laws are there to protect the consumers from falling into the wrong hands of the collectors. Those collectors who get the proper account details from the OC approach the consumers with full details. And consumers pay them back in order to improve their credit files. So, not paying the debt is not the issue here. It's about getting the proper account details based on which payments will be made.

The problem lies with the original creditor. Sometimes the collection agency hired has a problem getting the proper details and information from the original creditor. So, my point is that it stems from the original creditor. collection agencies are the mediator in the mix of things. They try to collect a debt with the little information that is given to them by the original creditor. People expect answers right away and sometimes they can't be answered because the agency needs to contact the original creditor and we all know that it's not easy. So, people need to give collection agencies a break. Yes, I agree some people can be harsh and should not be in that particular profession but I'm sure there are many professional agencies out there. One particular is Zwicker & Assoc which is a very large and expanding company. They help many people out with paying there debt. The company wouldn't be so successful if they weren't doing there job professionally as people are saying. Think about everything that the company has to deal with. Collectors never know when someone is lying. People come up with excuses after excuses to get out of paying a debt. They want people to pay there bills so they can get a pay check to pay there own bills.

[john]

Since you say that Zwicker & Associates is a large and expanding company, so I must say that your company should ensure that its reputation is not hurt in anyway. Logically speaking, there might be internal problems within any company but ultimately the person will charge them only who show their face. Since this CA is approaching the person with the incomplete account details in spite of knowing the loop holes, the problem needs to be fixed from the beginning. Why should Zwicker & Associates take accounts from those creditors who don't give complete information of the consumers' accounts? Your business reputation should be a concern for you. Right??