Zwicker and Associates, a law firm based in Massachusetts, is engaged in collecting debts for various creditors. They have earned a reputation for being stubborn and persistent in their collection activities. Zwicker and Associates rarely compromises in settlement negotiations and often demands the full amount.
Zwicker and Associates is often hired by American Express. Therefore, if you have a card with Amex that is in default, you are likely to be contacted by Zwicker and Associates. If you want to know more about Zwicker and Associates, glance through the topics given below:
What have people experienced with Zwicker and Associates?
Both members and guests in our community have shared their experiences with Zwicker and Associates.
Receiving harassing calls at work: One community guest poster stated that Zwicker has been the most horrible collector to deal with because they kept harassing him at work every day. Learn more...
Being pursued for ten years: Zwicker has also pursued debtors for ten years for a debt that is no longer reported on their credit report. Find out more...
Being threatened by possible litigation: Zwicker and Associates often threatens to file suit against defaulted borrowers. Find out more...
Are there also incidents of failing to comply with the FDCPA?
- Not providing documents to validate the account: One guest poster in the forums, Sandfly, did not received any documents from Zwicker and Associates confirming her account but they still cashed a check she had given the creditor, even after she stopped payment on it. Learn more...
- Not replying to the validation letter: Another guest poster mentioned that he had never received a reply to his validation letter from Zwicker and Associates. When he called them three months later to ask about his case, a representative told him to just pay off the debt. Find out more...
- Continued collection activity after settlement: Continued collection activity after settlement: One poster stated that the collection agency continued to demand payments on an account that had been settled with them and for which he had received a signed settlement letter from one of their attorneys. Learn more...
- Threatening lawsuits: Zwicker and Associates often threatens the consumer with lawsuits, threats they don't follow up on. It is a violation of the FDCPA to falsely threaten to sue to collect on a debt.
How should you respond to a collection call from Zwicker and Associates?
Ask for validation before paying: If you receive a call from Zwicker and Associates, while they can be extremely persuasive, you shouldn't agree to make a payment until you receive a validation of the debt from them.
Don't give out bank information: Don't give out personal information: Never give out your confidential account information to anyone. This could lead to having your identity stolen.
Ask for an account statement: If you make a payment to this collector, make sure you get a statement from them on a regular basis in order to make sure your debt is being repaid properly.
Record threats: If your state's law permits it, you may also record your conversations with the collector if they threaten or abuse you.
Be aware of consumer rights: You should contact a consumer rights lawyer if Zwicker and Associates violates the FDCPA.
You can contact Zwicker and Associates at the following address:
Zwicker and Associates, P.C.
800 Federal Street Andover, MA 01810