Zwicker and Associates: Are they very difficult to deal with?

I am dealing with Zwicker and Associates right now. These are the most horrible, mean people I have ever had to deal with in my life and I am filing a complaint today because of it. They have been harassing me at work on a daily basis.

The following was listed on a website by Bud Hibbs concerning Zwicker and Associates (they are on his list of collection agencies to avoid):

"Bud Says...
These debt collection attorneys hire goons to threaten, lie and intimidate consumers into paying them. NEVER give them any information on your bank/credit accounts, or post-dated checks. YOU WILL REGRET IT!!"

I have been giving this agency my post dated checks for a year now, should I worry about them having my bank account? How do I know for sure that they are paying my debt with this money?

Zwicker and Associates has been harassing me for ten years. The debt is not even being pursued by the original lender. It is not on any of my reports, but they call all the time and threaten my husband and myself.

I have Zwicker and Associates on my credit report - I have a lady named Denise calling me at work all the time. I plan on paying this debt but at the moment I am unable to, not that I don't intend to pay it but right now I can't. She has threatened to have me taken to court and have someone come to my job to present me with the paper work. She has said they try to call me at home but I have not msgs. from them and their number has never showed up on my caller ID. What can I do about this. She has even tried to get to my human resources department to but my business in everyone's ear. This company is really rude, she has even told me they are a law firm.

I received a letter from Zwicker in July stating I owed $$ on a credit card that had been paid off in July of 2003.
I talked with them, faxed my info to them, and now three months later when I called again (they don't return calls when they know they are wrong) and finally got someone - he was extremely unprofessional telling me to just "pay the amount". My gripe was that the person who was suppose to be taking care of my situation - never followed thru - never made phone calls to who he should have to resolve this situation and didn't even have the courtesy to call me back.
This is a company that should be shut down - and business given to some other collection agency. This can by no means be any type of professional law firm. This is a disgrace to people who are either trying to pay off debts OR have paid them off YEARS ago that they still try to collect on. I even wonder if Zwicker and Associates use computers since they can't seem to find any information on anything.
I'm considering obtaining a lawyer of my own for the problems THEY have given me!

Good Luck with this group of ill-mannered and extremely unprofessional people.

Zwicker and Associates doesn't care about the law. They sent my a settlement letter signed by an attorney, then continued to ask for more money after they cashed the check.

do you have an employee named Brian Cavallaro.

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

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

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,
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

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!!!!!

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.

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.

Zwicker & Associates is not my company first of all. Second of all, I am sticking up for collections because no one else ever does. I have dealt with them on my own personal issues. They handled it very professionally and actually cut me a deal. collection agencies are not the enemy. If you actually took the time to be cooperative then things will benefit you in the long run as it did for me. I've done a lot of research on debt collections for my own personal gain. They are just doing there job. The original creditors seeking other agencies to collect debt for them are very large and don't have the time to find all the loop holes and missing info required. Nothing is perfect. The only people complaining are the ones that had a bad experience and I'm sure the ratio of bad experience verses good experience is 3 to 1.

hi i dont owe anyone money and yet i get phone calls from zwicker and assoc saying they cannot reach my mom would i give her a message. isnt this illegal for them to call and wake me up when i work nights considering i dont owe them sh*t . i would also love to know how they got my phone number since my last name is different and she has never lived here !!!

the problem i am having is not meant for me they want my mother since she has caller id and doesnt answer her phone they have started calling my house and leaving messages for me to have her call them its their problem to collect money from her not mine. i want the calls to stop coming to my house in attempts to collect her debt. they have her phone number and address i am not sure how they got my phone number to call me all hours of the day to talk to her i have told them she does not live here and i will not give her messages for them. i wanted to know if it against the law for them to call my phone number and harrass me when its not my debt and frankly none of my buisness.

Hey brat....maybe you should sell your computer to pay your debts. Also, internet may be cheap, but it's another $30 you can use to pay off your debts. Oh, and before you give bad advice....debtors can be put in jail. Once they post a judgement, if the debtor is on a court ordered stip and defaults theres a week in jail. Research. Research. Research......people fall on hard times but if you get a job-duh!-and budget you can then start a payment plan. People who sit there and do nothing and are paying for a brand new car note they openned after their credit card got cancelled instead of paying their debt is ridiculous. Do what normal people do. Buy a car for 1-2000 (is decent) and spend the 3-600 mnthly payments you would be making to the car note towards your debt. What the hell is a soapbox????

Due to incompetence on Hemar (they stopped debiting my account and then deafulte me) I ended up in the paws of Zwicker. I got the call from Jay Mitch who really pushed to get a collection and promised to have Sallie Mae contacted immediately to report the settlement to the credit bureaus. Jay offered a sweet deal I could not pass if I could come up with the settlement total in 2 days. I was able to get the money, sent it, but never heard back from the company or Jay. Now, arrow Finacial is trying to collect on me and after 6 months I have not gotten any letter of confirmation from the company, even after dogging them many times. I have spoke to many associates and all they do is transfer my call to another manager. I have Spoken to a Michael Koziol who is the manager of collections and who promised over a month ago to mail me a letter of confirmation of the settlement and take care of the matter. To this day I have not received one piece of paper from this company and Arrow fianancial has told me that my settlement was reported only as a collected payment.
I am deployed now in Iraq, and trying to take care of this matter which is not easy.

Any advice on how to proceed with this not so honorable people will be greatly appreciated.

Zwicke and Ass. told me today that they are going to take me to court if i dont pay 381 a month. Itold them i had already set u a payment plan for less andthey sad it was lae which it wasnt i have it o start in feb not jan and hy did not send me m letter of the balanc i have to pay which i requested becs i either did not gt thir old letters or dont have them anymore.The guy instead of helping me startd to stup a new payment plan .I was like whoah wait a minute I cant pay anymore than the 75 a month so he was like so iltae that as a refusal .i was like yeh to pay that amount.I want my originl amout and i dont have to pay you for something i dd not get an exact balance on then hes like hav u ever bee n sued before and im like ,you cant sue me for wanting to pay a lesser amout and hes like well ill see you in court and hung up on me. Well Ifound one of those old letters and its just like the ones they were sued over because of the way they wrote it so i guess ill see them in court!!

can i hve my posts taken of please. i realize they dont need to know what i said till afterwards

thanks
If I fle a class action lawsuit if that letter turns out to be illegal ,how much would I have to pay a lawyer. it was about them sending letters with facsimile signatures from a lawyer. In the lettter the lwyer directs me to call a rep who is not a lawyer but does point out that the are not lawyers I will talk to to solve the dispute. Did these people win just because of a copid signature?? LOL sorry fr l the questions . An also ballys total amount owed a long time ago is more ta Zwicker wanted me to pay. I cant really tell what my amount is . When I ask for h total ove the phone they wont give me the exact number, they js change the subject. o elly catc wht their doing wrong i have to really sit down and seriously study the laws. Thiers so uc paperwork its confusing. Its like you know the stuff hier doing wrong but yu wonde if its relly illegal and if it is what do i do and can i afrd to do anything... sighhh

I justr recently signed up with a financial company that is handling a couple bills of mine and one credit card company turned me over to Zwicker and Assoc. in Mass. They have called me at home and at my parents house leaving a message 10 minutes apart and when I call back, it's threatening and they won't give me a fax number to send over a cease and desist letter and they hung up on me. My case manager even tried to call them and talk to them and they hung up on him also, twice. Does anyone know a fax number to them?

Hi I made a payment to CC Co.of 200.00 And Raney Called Me on the phone and got mad because I paid the cc co. and not her. She said I was making my own rules .She told me my payment was peddy. If the cc co. thought 160.00 was enough then why wouldent 200.00 be enough ?. This started at the end of Jan Made payment on Feb.4th Told her Iwas Trying To sell my things at the fea market each saturday And she said that wasnt could enough. She told me to Swalow my pride and ask family mebers an friends for the money. She said I have money for phone and a car ( which helps me drive my things to the flea market) She said I didnt care about making payments And wont take more than the full amount. I made a 680.00 payment in jan and like I said 200.00 at the begining of Feb. I hope to have another 200.00 tomaro. Should I send It to cc.co or them? I feel like any thing I do Is not good enough for them . HELP Fred

Hi I called cc.co. and the told me I was fine I told them I had'nt recived a statment yet. And today I recived it. It said I owe 150.00 and and made arangments with the cc. co. for the next payment. So should I call the CA. agency and let them know? What should I do? Fred

We had this company take money out of our bank account with out permission can they do that ?

Sending a cease and desist form to a law office may cease phone calls but it doesn't stop getting a summons and complaint served to your house or place of employment stop giving people poor advice on accounts. Askhibs.com if thats the name of that site is the most slanderous liberal don't pay your bills site i've ever seen in my life, he slanders and trash talks everyone and anyone he even says paying someone over the phone with your checking account is authorizing someone to steal money from your bank account? Anyone who listens to that guy is being misled by a foul mouthed liberal. For the person that said "oh they even said they were a law office" i did some research on the internet and guess what they are a law office may be the PC after their name should of let you figure that out on your own. In all honesty it would be great if everyone could be debt free but thats a hard thing to achieve, if you all put as much time into working and looking for a better job as you did trying to slander anyone who's calilng you to try to make you honor your signiture on a contract you'd have less debt as we speak

hear it again
Pay your bills you would not be in this situation if you did

forsaken and payurbills are ignorant of one thing. Lawsuits are a two way street, and all the burden of proof lies with the collector.

If the alleged debt is from a current debt, I'd work out something with them. If it is an old debt and purchased by some junk debt buyer, tell them to take a flying leap.

Hi all,
I received multiple calls from Zwicker & Associates on my home phone. I called and asked them why. The implied that I might have a debt. When I told them I did not, the gal I spoke with apologized and explained that they have an "automatic dialer" that makes several calls and, when someone answers, hooks them up with an agent. This in and of itself is a dubious practice.
I stated my home phone number and (invoking the Fair Debt Collection Practices Act - fdcpa) I requested that all future communication with that phone number or its record be restricted to writing. I did not give my name.
I hope this may be of help to someone.

what is the telephone number of your company in mass

Numerous calls have been left on my answering machine by this firm. Up until six months ago I had perfect credit, but have had some major problems in my life that have caused me to fall behind on my debt. I don't even know which company they are representing, since I have been making an attempt to pay everyone something each month. Just from their messages I can see that they are aggressive. I have not returned any of their calls yet, and don't know if I should or not. From what I am reading, it doesn't sound like a good idea. Has anyone had any positive dealings with this company?

We really are not bad people we don't buy debts from other companies and these matters would all be resolved if you all paid your bills! If i borrowed money from you (in general) how would you feel about it taken 3,4,5 yrs to pay you back? Truthfully!

first and for most, we at zwicker are by law, allowed to call any place listed by you the debtor on the contract between the hours of 8am-9pm in that time zone! i personally understand people fall into hard times but 4,5,6 yrs of it is hard to believe. i've had people tell me they were on ssi for 10 yrs and opened up the account 4 yrs ago why use ssi as an excuse for non-payment now. yes true half these debts are bought by debt buying companies but they paid off your bill to the original company. and in reguards to us putting our company name on your bank checks we have bank accounts set up with each client so that when your payment to sears, amex, sally mae. etc when deposited into our firms account it is automatically transferred to them. as for repoting the paid-off accts to the bureaus it can take up to 150 days upon recieving your payment. if you dont like to wait imagine how the client feels waiting for you debtors to take responsibility! and don't think we dont sue we do in all but 3 states of the 50 and texas gets it as much as anywhere so dont be encouraged not to pay your bill do the right thing and pay it by all means you used it and agreed to the interest and late fees its all there in the contract. hopefully after reading these sites you'll know the importance of reading the whole contract and not just signing for godsake you dont even understand what the contracts state when half of you call in. debt isn't a joke it affects the country in ways you wouldn't belive. and those who think after 7 yrs there is nothing to worry about check again!!ohh yeah and the bankrupcy laws have changed too they just save you 3 yrs before you have to pay the debt off it's not erased just forgotten for 3 yrs and then its starts all over again.! so just pay if not the balancs ask for a settlement split over 2-3 months and your done. be smart!

i'm sorry and just to give all of the debtors advice based on personal business dont trust those credit counseling services they dont help the same settlements we offer to them you'd be able to have without havinge to pay them. i had to send my sister-in-law to litigationg and have her served with a summons all because she paid out over $3200 to a ccs for a $1329 debt and not one red cent was paid on this. so avoid the middle man and save yourself some money trust me they do not help!!!!!!!!!!!!!!!!

You sent YOUR OWN sister-in-law a summons!!!! Wow, the typical in-law you are....isn't that a conflict of interest?? Why would you not hand that over to some other moron in your office to work on?

No because i told her we had the debt. And they were looking to recover the funds and they had in a suit file she told me to push it i did she has the proof she paid this money out to the credit counseling now she appears in court settles this and has a law suit against them son dont listen to what the credit counseling offers its a bullshit!!!!Pay your bills and quick this isnt a joke that is stealing signing a legal bindind contract and reusing to abide by what you "read" and signed! How dumb can you all be?

I was dealing with Zwicker and Assoc. over my discover acct. We talked and the woman got me to give her my acct number and bank routing number. Now they have taken $ out of my acct, and I have no letter of agreement with them saying that if i paid this settlement, i would be fulfilling my obligation. She said i would have something in writing, never came and when it came time for them to take the $ out I had closed that acct. but somehow, they were able to get my $ still. Do you they legally have to provide you with something in writing or was I just nieve in giving them the acct #'s and all

Obviously you cant help to look at my grammer!good job. Anyways i would say 92% out of 100% of my debtors that have went through "credit consolidation" companies have said that they should have just paid us (or any other firm) directly and saved themself money and stress. One woman says she pays the ccc 400 monthly and all they pay out to the 4 debts that she owes is $25 to one and $50 to the others! Where is her money, that should begoing to her bills going, in the sleazy ccc's account when they shouldnt be charging more then they're paying out!!! How fair is that? To the man who has a discover account call whenever you get a chance and ask for a discover account manager and if you paid in actuality like you say you did when the first payment is taken from your account our computers automatically generate a letter and if your information that we have in the system is accurate you'd have recieved a settlement or balance paid in full letter. If you havent, than you have proof through your bank account and there is no way for our company to denie this ok so call!!!!!!!!!!!!

These are people who WANTED to pay it back and do the RIGHT thing. Some are being harrassed by a company calling the wrong person...(BTW, get the police to investigate.You are experiencing harrassment and can receive up to $1,500 per call). However, these companies take SEVERE advantage of these people. One sounds completely fradulant activity (they must provide you with documentation...) by the collector.

Just because SOME of the people you deal with are not willing to pay doens't mean all of them are. Obviously you haven't read the board. This is about BAD collection companies...They happen.

Besides, just who would waste their time wandering around on the net making silly posts about something they haven't read and don't understand? Unless of course you work for Zwicker & Assoc....

I am working with a debt consolidation firm to pay off my debts. I've been paying for almost 2 years now and suddenly I am getting rude and repeating phone calls from a collector with Zwicker. When I try to give the information about the company that I am working with to pay off my debts he hangs up. Then calls back and asks if I'm ready to be an adult. I try to give the information again and the same thing happens. He also is threatening a law suit even thought I am working with this debt consolidation firm.

I contacted the firm I work with and they faxed a "Cease and Desist" letter to Zwicker & Associates, but is there anything else I should know or do? Thanks,
Randy

They play jazz for a couple of minutes then say hello expecting me to pick up the phone. Seems like a huge waste of time then again the comissioned collectors can hope to catch one of us. The problem is th esettlements they offer are just like minimum payments. After they tack on various fees and interest, you can pay them perpetually.

you guys are dead beats..pay your bills!!!!!!!!!!!!!!!!

princess call and give some information about your financial situation and why you can't afford the options given to you . i'm sure that with a financial statement , they will set you up with the proper pymt arrgmt , no one can make you pay what you don't have . i am a case manager or so call collector , i'll tell you something inthis business unlike you there are people full of excuses not to pay their bills and it is hard to belive must of them they don't have jobs or are on ssi yet they pay for cell , cable and 15k cars , this are the people that also have pc and instead of doing what you are doing , trying to pay your debt , are just complaining about the calls are made to their houses . like i said princess give'm a cll a financial statement will show their client what you can afford .

in the other hand .
by all means
if zwicker or any other collecti
on law firm is breaking the fdcpa , take proper action against them , but do sit there saying that you have a debt and that collection agencies are harrasing you , when you know that there's 22 collections in your credit report, dating back to 1984 , then my dear friends you are wrong . if you have money to buy a pc and are paying for internet , you may certenly make paymts tours your debts , stop the excuses , and do what's right , if you can't afford to pay because of a mayor hard ship , you need to understand that the clients who hire the collection agencies don't see you as a person , but as a debt ,wrong ? yes . but just do what you need to do , and that is pick the phone up , and say it again , i don't have the means to pay it. the rest of and you know who you are . pay your bills .

Wow what is wrong with all of you dont you relize how stupid all of you sound. It's so simple it makes me sick just pay your bills that's all it comes down to.would you screw over your mother if you owed her money..no, you wouldn't so why would you do it to someone else. Just pay your bills, you sign the agreement live up to your end.

Good morning. Hey ONLY HERE, what is wrong with you? Why don't you keep your stupid comments to yourself? Not everyone on this site is here to get out of paying debt back. The majority of us are just behind in our bills. We have every intention of paying them back, but just are having difficulty right now. What exactly is your point in coming here and posting what you did? Does your life suck so much that you can only feel better if you slam poeple you don't know? Go away.

Get off your but and pay your bills. Common sense tells me that if they were breaking the law that they would no longer be in bussiness. I have never been contacked by ANY debt collector because I pay my bills each month and I do not buy things that I can not afford. It would be wise for you to follow my example. Do not be angery at a LAW FIRM that can and will sue you be mad at yourself for buying something that you can not afford. Better yet GET A JOB!

Mandy, you do realize that your commenting on a topic with a most recent post of 11/2/06? One of my worst experiences is with some alleged litigation company in 1998, they claimed I owed some $80k for a mortgage from 1995 or something like that, however I was born in 1980 and would have been about 15 at the time, thusly I would not have been able to enter into any type of legally binding contract, they wouldn't accept that as an answer and threatened to sue me. So I replied, uh, ok, go right ahead. Never heard a word back from them. Now I was being threatened with lawsuit, imprisionment, etc. for 80k that I never owed. If I were to actually owe something I would do my best to pay it off ASAP. But since they were trying to collect some obscene ammount that was never mine to begin with, sometimes legal action is required, that would have been one of those cases.