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

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

Hi Thanh Welcome to the forums. Please do not ...
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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.

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.


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.

Sub: #1 posted on Fri, 02/20/2009 - 12:06

butterflieslovlilacs butterflieslovlilacs

(Posts: 1 | Credits: 0.4)

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?

Sub: #2 posted on Tue, 02/03/2009 - 01:25

jessicaccharles jessicaccharles

(Posts: 1 | Credits: 0.4)

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.

Sub: #3 posted on Wed, 01/28/2009 - 21:54

Moderators Cum Industry Expert
(Posts: 4665 | Credits: 308.23)

debt validation letters Certified Mail Return Receipt Requested

Sub: #4 posted on Wed, 01/28/2009 - 21:39

Moderators Cum Industry Expert
(Posts: 4665 | Credits: 308.23)

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 probably smells like a pile of feces.

Sub: #5 posted on Wed, 12/03/2008 - 05:41

Moderators Cum Industry Expert
(Posts: 4665 | Credits: 308.23)

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

Sub: #6 posted on Thu, 04/03/2008 - 07:02

unclewulf unclewulf
(Posts: 3173 | Credits: 315.03)

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

Sub: #7 posted on Sat, 01/19/2008 - 03:04

(Posts: 2934 | Credits: 192.01)

right on except the part about recording 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 party syayes can record without informing them that you are recording.

Sub: #8 posted on Fri, 12/26/2008 - 01:35

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

the post above is the definition of a 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.

Sub: #9 posted on Wed, 12/03/2008 - 03:35

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

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.

Sub: #10 posted on Sun, 10/12/2008 - 00:30

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

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