Zwicker & Associates, P.C.

I just called to try and start making payments on my discover card and the guy I talked to was a complete jerk and wouldn't even let me barely speak you need to find someone who isn't so rude if you want people to pay there bills I am very upset and usually I am not the type of person to get upset. I would like to know how much I need to pay a month or more information from someone who listen to my questions.

This law firm called me today 03/09/2010. I wrote cease and desist letter to the card company to stop all calls, they can only contact me by mail, but today this company called me. Can some one help me with the letters I need to write to contact the FTC and Attorney General of California? Is there anything else I can do to stop this?

We are trying to figure out what this bill is for. I keep paying payments on this account (for 5 yrs.) and it never gets any smaller, and I don't even know what it is for. Acc.#601130092051. Being paid through CAREONE.

Zwicker neglected to contact me for over a year that I was not making payments to Discover. Credit Solutions also neglected to inform me that the debt had not been settled. Neither one of them called me--Zwicker called everybody else, but didn't contact me about the problem. In March 10, I receive a notice from the court that a default judgement has been made against me. I was not served any papers about the court date, although Zwicker claimed I did.
Maybe they ought to investigate the liar who claimed I was served.
Zwicker doesn't give a damn about anybody but grabbing money by any means necessary even if it happens to be my pension.

This company called everyone in my family on Saturday the 9th trying to find me. I do not know who they were calling for, they never stated anything in my conversation with they, nor would they furnish this information. All my contact information is updated with all my creditors,so why didn't contact me directly.

Been harassed by Zwicker for two years now. They seem to know how to contact me with court papers, but no one there ever returns my calls when I try to settle this matter out-of-court ????

i have been dealing with this company for about a year. i was making payments of 100.00 per month when after christmas they decided to jack it up by 25.00. they were taking it electronically with my permission. now suddenly they will not do that and insist i mail it on my own and are threatening to take more legal action. as long as i am paying can they still garnish my pay, place a judgement against me or any of the other things they keep saying they will do?

Zwicker has garnished my bank account and refuses to release any money for living expenses. They agreed on a payment plan but will not release the money to pay it. They do not care about anyone but take every penny you make by any means possible.

Get a lawyer if you don't have one already. Doing so is the only thing that saved me from being like the others on this page.

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Check this out--their credit rating is a B-minus.... Their recommended limit is $1,000.
How's that for a company that's been in business for over 10 years! hahaha

You all should find ways to protect yourselves. Even if you can't hire an attorney. There are boards and forums that can help. check out debtor boards (dot) com and Credit Info Center (dot) com

I hate to admit this, but I work at this pathetic company as a collector (not an attorney). Zwicker is full of psychopaths that will do anything for a dollar, even if it means screwing you over. It's for this reason that I'm leaving them as soon as possible. But before I do, I thought I'd offer a little help to those in need.

If you get contacted by Zwicker, look for a validation letter. The first thing you should always do is make a written request for validation of the debt. You need to do this within 30 days of receiving the initial validation letter from Zwicker, something they are required by law to send you within five days of receiving the debt. After you request proof of the debt, they are required by law to provide written documentation of the debt before continuing with any collection activity. And if they screw up here, sue the hell out of them. They've lost multiple suits in the past. Even law firms have to follow federal law.

If they do provide documentation (or you're already beyond the initial 30 days), start recording every call they make to you. Let them know it's being recorded so that the call is admissible in court later. If they violate anything from the Fair Debt Collection Practices Act (FDCPA), you can sue for up to $1000 per offense. Read up on the act; this is federal law they must follow. And collectors break these laws everyday. (Go to Wikipedia for an easy breakdown of the act.)

If you tire of the calls, send a demand in writing that all calls cease. Be sure to mention the phone number and your full name in the letter. And be very clear with your request; use the words "cease and desist" preferably. Again, they are no longer allowed by law to contact you in any way other than mail. Though you should be warned that this won't keep them from serving you with papers.

If you are served, show up in court. An overwhelming number of people don't show up after being served, and this just allows Zwicker to do whatever they want. Show up. Plead your case. And demand they prove the debt belongs to you. But above all, get an attorney.

You have rights here. This company is evil in every way imaginable. We can't keep letting them treat people like this. It's wrong, and in some cases it's even illegal. Fight back. You can win this.

Please quick calling me. The number that you call is a business number. I don't have a debt so please take me off your list!!

Never give up to these people. Fight for your rights and never give in to them or their outrages interests they attempt to assess. Plead your story , fight , save dates ,never give up fighting and you can win.

I had a court date for a Target bill that I could no longer keep up with due to unexpected circumstances beyond my control. Target got Zwicker to represent them. I actually had gone into debt consolidation, but the debt consolidation agency couldn’t include Target because I had JUST been notified about going to court. When I went to court, a local Zwicker lawyer called me outside to and we agreed on a settlement to pay off the amount listed on the docket paperwork. I have been sending those payments two weeks ahead of their due date, and I have never been late since I made the agreement. Now, just over a year later, I find out that they have been charging interest on the amount, and according to Zwicker, they say I owe more than that original payoff amount! There is NOTHING anywhere in writing that says they would be charging interest, and nothing stating an APR amount. The manager at the Zwicker toll-free number that I called said, when I pointed that out, “What makes you think we wouldn’t be charging interest?” She said that I agreed to pay interest to Target. I told her this agreement was with Zwicker, not Target, and there is no verbal or written agreement saying I’d have to pay interst over the agreed-upon payoff amount, and if the local Zwicker lawyer I made the agreement with had told me this verbally, I would have asked for that in writing. I asked the woman on the phone why they don’t send statements or correspondence via snail mail or email. (Note: Through the debt consolidation company I’ve been dealing with, I can always go online and see what my balance is.) She said they don’t have to send statements because they’re a law firm, not a collection agency. But they ARE a collection agency! They even say on their phone messages that any information they receive will be used to collect a debt. Does that not make them a collection agency?? They use that verbiage to weasel out of sending statements, and they do not make it easy to communicate. I have a snail-mail address, but no email address, and they have no web site available for people like me to access to keep abreast of my balance. There is no communication FROM THEM via snail-mail or email. The ONLY way I found out that they had been adding this interest behind my back without informing me was, I called them to make sure they had received the payment I mailed them on Dec. 15, 2011, for the payment that was due on Dec. 31, 2011, since the check had not cleared as of Jan. 4, 2012.

These guys need to be reported to the government and state laws should do more to look out for those citizens that are seriously trying to get back on track in life. This law firm evidently claims they served me papers to appear in court BUT they never did! There should be a law that requires a signature from someone who actually knows the individual to prove they really did server papers. Turns out they served papers to an old address where our property had been foreclosed on due to unfortunate circumstances and primarily as a result of a layoff. It's unaffair and they should be held accountable for falsifying information to get their ways!How do you get away with filing papers and NOT giving the individuals a chance to protect their own rights in court. IT'S WRONG!

This company does nothing but harass people and give false information. As the above said, no one there listens when you try to resolve any issue. They gave me a phone number to call and try to resolve the problem and it was not a good number.

I am writing them a letter notifying them that any further phone calls will be considered harassment and reporting them to the Missouri Attorney General's Office.

Zwicker sued me at the end of 2010 on behalf of American Express. Firt thing i want to say...never ignore a lawsuit. That is what they want, and that is how they win. You can keep them off your back for at least a year just by answering the lawsuit. By doing various legal menuvers myself, I was able to keep them back for about a year and a half. Finally, I was given a court date, and Zwicker filed that they would present their witness testimony in writing. If I had just let this pass, they would have gotten away with not having to bring their witness (who resided in RI, I am in CA). Finally things started getting more complicated, so I hired a lawyer who is forcing them to have to bring the witness here physically...which is expensive. No witness, no testimony, no admissible evidence, get the picture? Now with only a couple of weeks before trial, they are suddenly talking settlement. I told my lawyer to tell them to F themself's, well see them in court. I will stake my life that a few days before the trial, they will file to drop the case. The moral of the story is that you can beat them, you will need a lawyer as they do know all kinds of legal menuvers that become complicated

I keep getting calls from this company. I guess it must be for a debt by my ex-husband. They are calling my home number AND my cell number. NEITHER of these numbers has ever belonged to him. They ask for him. I say that this is not, nor has ever been his number. We\\\'ve been divorced for over 7 or 8 years. My ex husband doesn\\\'t even KNOW my home phone number!!! How are these people getting MY numbers?? I wish they would quit calling me. They need to call him or his current bride.

Zwicker and associates is NOT a bank, you are NOT liable to pay them ONE dime. If they claim you owe a bank, pay the bank - do NOT pay them.