Debtconsolidationcare: Internet's first get-out-of-debt community
473,117 members

Internet's first get-out-of-debt community 472,096 members


Debt Consolidation Forums Collection agencies and creditors

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

Rate This Article:
Article Rating: 
Rated 5 by 7894 members
[Join discussion]

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?

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
Phone:978-686-2255



roxette

Posts: 3957
Credits: 55977.6
[Donate]
Sub: Zwicker and Associates: Are they very difficult to deal with?
Tue, 04/11/2014 00:31

Hi Thanh

Welcome to the forums. Please do not feel shaken while dealing with Encore collection agency as the whole community is with you to guide in the right direction.

The collection agency is assigned to recover the debt from the consumers when the creditors fail in their actions.

In order to make sure that the collection agency is actually working for the creditors, they have to provide some necessary details about your accounts. As per the fdcpa law, debt validation letter is a strong weapon through which you can legally urge the collectors to provide a proper presentation of your accounts.

http://www.debtconsolidationcare.com/validation.html

If Encore collection agency is not able to furnish the necessary details about your accounts, it will be considered that they are maliciously forcing you to pay towards your debt. You are required to obtain the following information from the collection agency before you start paying towards your debt account.


  • The details of the account.

  • All the calculation should be shown of the amount that is owed.

  • Any copies of the papers to be furnished that shows the payment agreement.

  • Provide a verification or copy of any judgment if applicable

  • The original creditor needs to be identified.

  • The Statute of Limitation needs to be proven for the collection of the debt.

  • The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent

  • Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.

  • Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.

  • A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.


Regards
Roxette


Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.


Top menu: 
Debt Collectors
butterflieslovlilacs
butterflieslovlilacs
Posts: 1
Credits: 40

Sub: #1 Unfair Collection PracticesThu, 02/19/2009 - 22:36



Look there is a problem with these collection agency taking advantage of people trying too pay back thier debts and doing it in Shady practices because people do not know thier rights or are trying too save thier credit. I have a son that got a loan thru salley mae. I cosigned for this loan. It went too zewicker and associates only under my son's name. He is young and naieve. I was listing too him telling me how they yelled at him, made him feel horrible, telling him that he had too pay all this money today and rediculous payment arrangements too satisfy this collection. The funny thing is one I was never notified that he was in default. I was not put on the collection. I tryied talking too the company on his behalf and even spoke too one of thier so called managers. These people are a disgrace in every way. They are sharks with the taste of blood and will do anything that even the devil wouldn't do too try too collect money. There needs too be some recourse.


jessicaccharles
jessicaccharles
Posts: 1
Credits: 40

Sub: #2 zwicker = jokeMon, 02/02/2009 - 11:55



i am making payments thru zwicker to go to my discover card and today i had to call them to set up more payments. everytime i call they are unprofessional but today was the worst. the lady didnt explain to me my payments very clear so i thought i was paying $125 for 6 months, then i go thru to the operator to confirm my bank info and she said i owed $700 this month. i ask to go back to the first lady who i was talking with and i get someone else. she is so rude and tells me that i need to pay the $700 and will not let me talk, and when i did start talking she interrupted me so i told her i wasnt done talking and she just laughs. then when she opens her mouth again shes louder than ever and i tell her not to get loud when im trying to figure out how to give them money and she says she will talk to me however she wants and if i dont stop my entire balance will be due when we get off the phone. i talk to the lady i was supposed to finally and when i go back to confirm my bank info again that lady is laughing at me, becuase she was on the line the whole time too hearing our convo. she asks me to hold on a second while she can finish laughing then gets my info. i tried goin to the better business bearuo to file a complaint but they dont handle these types of issues. zwicker is such a joke of a law firm and so are everyone who works there. how are they in business?


NASCAR_Devil
NASCAR_Devil


Posts: 4629
Credits: 30806.994972777

Sub: #3 Send a DV w/in 30 days of recieving the initial dunning letter tWed, 01/28/2009 - 08:24



Send a DV w/in 30 days of recieving the initial dunning letter to dispute the debt. They cannot continue collection efforts until the validate the debt.


NASCAR_Devil
NASCAR_Devil


Posts: 4629
Credits: 30806.994972777

Sub: #4 debt validation letters Certified Mail Return Receipt RequestedWed, 01/28/2009 - 08:09



debt validation letters Certified Mail Return Receipt Requested


NASCAR_Devil
NASCAR_Devil


Posts: 4629
Credits: 30806.994972777

Sub: #5 Zwickers primary business is debt collection which makes them suTue, 12/02/2008 - 16:11



Zwickers primary business is debt collection which makes them subject to the fdcpa just like any other third party debt collector. If it walks like a troll and talks like a troll...it probably smells like a pile of feces.


unclewulf
unclewulf

Posts: 3111
Credits: 31404.5

Sub: #6 What kind of student loans are these? And who is the original leWed, 04/02/2008 - 18:32



What kind of student loans are these? And who is the original lender / guaranty agency?

Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]


JCEMT
JCEMT

Posts: 2872
Credits: 19199.3

Sub: #7 Tim, this is a family forum, please keep the profanity and expliFri, 01/18/2008 - 13:34



Tim, this is a family forum, please keep the profanity and explicit comments toned down.

Regards
JCEMT

Here is a list of resources for the community

Site TOS


paulmergel
paulmergel


Posts: 15350
Credits: 127806.68182234

Sub: #8 replyThu, 12/25/2008 - 12:05



right on except the part about recording calls.you inform them of this.if they object they hang up not you.them staying on the line is consent.that is if you are a two party state.one party syayes can record without informing them that you are recording.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


paulmergel
paulmergel


Posts: 15350
Credits: 127806.68182234

Sub: #9 replyTue, 12/02/2008 - 14:05



the post above is the definition of a troll.it doesn't matter if they are a law firm deutsch bank.they are collecting debt which means they have to follow the FDCPA.also i have never heard of this bottomfeeder law firm actually suing someone.just because it was long winded doesn't make it less of a troll post.also if they send the documents for court at all they most likely will be too late to prevent a default judgement.sounds like you work for this idiotic CA.that's right i said CA collection agency.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


paulmergel
paulmergel


Posts: 15350
Credits: 127806.68182234

Sub: #10 replySat, 10/11/2008 - 12:00



the following is a public service to all newbies to this site.

that was a troll
trolls are stupid
trolls are always wrong
we only tolerate trolls
respond however you wish to trolls as long as it's within TOS rules.

thank you,that was a public service message.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


Pages

Add new comment

Full HTML

  • Web page addresses and e-mail addresses turn into links automatically.

Filtered HTML

  • Web page addresses and e-mail addresses turn into links automatically.
  • Allowed HTML tags: <a> <em> <strong> <cite> <blockquote> <code> <ul> <ol> <li> <dl> <dt> <dd><img>
  • Lines and paragraphs break automatically.

Plain text

  • No HTML tags allowed.
  • Web page addresses and e-mail addresses turn into links automatically.
  • Lines and paragraphs break automatically.
CAPTCHA
This question (Case Insensitive) is for testing whether you are a human visitor and to prevent automated spam submissions.
Image CAPTCHA
Enter the characters shown in the image.
Share post


Page loaded in 3.125 seconds.