Zwicker & Associates PC Collection Complaints. Stop the calls

Many consumers bring up complaints about harassing collection calls

Zwicker & Associates PC is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is Zwicker & Associates?

Zwicker & Associates , PC is law firm based in Andover, MA that specializes in litigating delinquent consumer credit accounts. Zwicker & Assoc. has received complaints from consumers ranging from allegations of misrepresentation and failure to provide proof of debts owed; to improper communication or contact attempts; to threats of illegal action. If you are concerned about this debt collector’s efforts to contact you, make sure you know your rights before taking action to resolve your complaint.

Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Zwicker & Associates a scam?

According to the Better Business Bureau (BBB),  Zwicker & Associates is a legitimate firm founded in 1981 in Andover, MA and incorporated locally in 1991. BBB opened its file in 1988 and lists Zwicker & Associates under the business categories of Attorneys & Lawyers; NAICS: Offices of Lawyers; and Collection Agencies. The BBB opened its file in 2002. Buzzfile estimates Zwicker’s annual revenue at $84.1 million and the size of its headquarters staff at 400 people.

Zwicker & Associates, P.C. “is a law firm whose primary business function is debt collection.” According to its website, Zwicker & Associates “has been providing services within the Accounts Receivable Management Industry for more than twenty years…[provides] collection, litigation, and bankruptcy services for [its] clients… [and is] dedicated to providing outstanding client services.” Aside from these basic statements and a link to the Service Members Civil Relief Act, their home page provides little information about debt collection; consumer protection laws like the Fair Debt Collections Practices Act (FDCPA); or references to outside consumer resources. The additional pages of their site list career opportunities, legal concerns such as Terms of Use, a portal to client services, and a page allowing consumers to consent to their Electronic Disclosure of Payment Authorization agreement.

Most delinquent accounts are placed with law firms like Zwicker & Associates only after all other collection efforts have failed. Zwicker & Associates’ website reflects its specialized focus and its reliance on a clientele less responsive to typical marketing and advertising techniques.

How many Complaints are there against Zwicker & Associates?

The BBB lists only 19 complaints against Zwicker & Associates in the past 3 years, with 6 closed in the past 12 months. Most of the BBB complaints allege problems with billing and collection services such as difficulty providing validation of debts or changes in payment or billing agreements. The BBB site provides very little detail about these complaints. The six negative reviews allege unethical and dishonest legal practices. The Consumer Financial Protection Bureau (CFPB) lists 38 complaints March 2015 and include issues such as communication tactics; attempts to collect debts not owed; false statements or misrepresentation; improper contact or sharing of information; and taking or threatening illegal action. Justia lists at least 14 cases of civil litigation naming Zwicker & Associates as a defendant.

Contact Information

Zwicker & Associates, P.C.
80 Minuteman Road
Andover, MA 01810-1008
Telephone: (978) 686-2255
Website: http://www.zwickerpc.com/

Can Zwicker & Associates Sue Me or Garnish My Wages?

It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Zwicker & Assoc would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Can you help me file a No Fee Lawsuit against Zwicker & Associates?

Absolutely. Here are some Sample Cases filed in Federal Court

In 2011 in United States District Court for the District of New Jersey, Camden Vicinage, a judge in a civil action against Zwicker & Associates issued an Opinion and Order regarding the plaintiff’s motion for a class action settlement. The initial complaint was filed in 2009 and alleged that Zwicker & Associates had repeatedly violated provisions of the FDCPA by sending out debt collection letters that failed to disclose the amount of the debt owed; failed to specify or itemize what charges were being included in the debt; used false and misleading language implying that Zwicker & Associates exclusively can determine the validity of a debt; and used additional language intended to confuse the recipient.

The settlement in this case included “all people in the United States, Puerto Rico, and Guam who, during the period from August 6, 2008 through the date of the Court’s Order preliminarily approving the settlement…were mailed a collection letter by [the] defendant,” a class estimated at 800,000 people. The settlement further called for $2,000 to be paid to the lead plaintiff; court costs and attorney fees; and for class members to release all claims against the defendant in exchange for a payment by the defendant of $32,289.44 to the United Way to provide class members with financial literacy training. The judge in this case denied the motion to approve the class action settlement, but not because the complaint lacked merit.

Ultimately, the judge indicated that he was troubled by the plaintiff’s attempt to deprive such a large class of their right to pursue compensation for losses while securing $2,000 for herself. In addition, the compensation offered in return for their agreement to waive their rights was so insignificant that in his judgement the proposed settlement did not represent a just resolution.

Zwicker & Associates Calling You?

Understand your debt collection rights

The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that protect consumers from collection agencies who engage in unethical business practices. The FDCPA prohibits collection activity such as using abusive or threatening language; harassment; or using false or misleading information in an effort to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Other laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

In addition, consumer protection laws provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs. In the case above, Zwicker & Associates actions violated several provisions of the FDCPA, and the law prevented an attempt to stop consumers from taking legal action to hold them accountable. If you are concerned your rights as a consumer have been violated, seeking assistance can help you find relief.

Consumers have reported this agency harassing them from the following numbers:

  • 8772105331
  • 8772739783
  • 8772105331
  • 6784078033
  • 5122180488
  • 9786862255
  • 9256897070
  • 3013557400
  • 9786863538
  • 5122180546
  • 5855069850
  • 5037866119
  • 2487430882
  • 8595862250
  • 9084543922

Want to Stop Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.

We can make them STOP!✋

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call  844-685-9200 NOW.

What Our Clients are Saying

“I got my settlement check yesterday. Thank you all for helping me with my debt problem. The past year has been a really demanding one and this check is really going to help. So impressed by Lemberg Law.”

“Joann was so professional and helpful every time I had a question or needed help. Thank you so much for caring!”

“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! Thank you so much! It had been more than I anticipated.”

Can You Help Me Delete Zwicker & Associates from My Credit Report?

Chances are we can. Call us to today and we’ll tell you how we can help.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

4 COMMENTS
  • Jeff

    Lemberg Law has helped me on more than one occasion, because, my son’s name is the same as mine only he is the 2nd (II). Creditors chase after me to pay his bills, but, Lemberg helps the collectors realize they are really making a mistake. Astounding that bill collectors do not care what everyday people such as I have to say, however, when the collectors are notified that Lemberg is your attorney and his team reaches out to the collectors – all collection communication stops immediately!

  • Diana Manwaring

    Zwicker and Associates filed a Summons an Complaint at the end of 2016 for a debt owed to Synchrony Bank. I filed an answer within a few days of receiving their papers and didn’t hear from them for over one year. Late last week I got papers from Zwicker that said they will ask the Court to grant a Summary Judgment.

    I am surprised they are doing this, given they already know they can’t collect this from me as I have protected income (disability), of which I provided proof when I filed my answer to the Summons.

    I own no house or car…..or real estate. Not much money in the bank at all. It is not cost effective, imho, to take this to court, esp. since the debt is just over $7k.

    I want everyone to know that if you are sued by Zwicker, don’t ignore their letters. And if you are asked to go to Court, then GO. Do NOT ignore the court date as they can get a default judgment against you.

    I wish I can get them to leave me alone, but they won’t listen to reason.

  • Amy Stewart

    served Warrant in Debt but not in my current legal name, in my maiden name. Zwicker firm did not provide itemized debt either.

  • Linda A

    I have been paying off my creditor, Discover Bank, through Freedom debt. There are only 3 payments left and Zwicker and associates continue to harass me because they want me to sign some stipulation agreement. I did not sign and now they are trying to bring a judgement against me. They are like bloodsuckers.

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