Are Zwicker& Associates contacting you again and again? Is your credit report showing their name? If your answer is yes, then this can be damaging to your credit report and this harm may last for a long time period. You must take relevant actions to remove them lawfully and permanently from your report.
About Zwicker & Associates
Zwicker and Associates is a debt collector law firm organized under the laws of Massachusetts, USA. The firm was started in 1991 and headquartered in Andover, Massachusetts along with law offices spread all across the country. They specialize in collecting student loan debt, credit card debt, debt for medical bills, and phone bill debts.
With expertise in debt collection, this law firm works for creditors and contact debtors for the outstanding debt. If you are one of the people who is contacted by Zwicker& Associates of Massachusetts about debt, then you should make sure that they are talking about the debt you owe. Sometimes they can even ask for the debt that you don’t owe. A common mistake made by these types of firms is that they mix false, or out-dated information with current files.
But for this kind of situation, the government had created laws to protect the consumers from paying the debt that they don’t owe. According to Fair Debt Collection Practices Act (FDCPA), a debt collection firm must validate the debt that they need to collect. So, if Zwicker& Associates contact you to collect the debt, then they must provide you with the following information within 5 days:
- The total amount of the debt to be collected
- The name of your creditor
- Provide a legit statement that states that you have 30 days within which you can dispute the debt.
- Provide a legit statement stating they will provide you the name and address of the original creditor within the first 30 days.
If they fail to provide you the above information, then you have a legal right to dispute the debt for which you are contacted.
Zwicker and Associates, P.C. Contact details
80 Minuteman Road,
Andover, Massachusetts 01810-1008
To know more about how to deal with this law firm, let’s review their work.
Review of a debt collector law firm, Zwicker& Associates
Over the years, Zwicker and Associates, P.C has fetched too many complaints regarding their immoral conduct and defilements of FDCPA terms. If you take a look at the data of past three years, you will find more than 80 complaints filed against this law firm. These complaints vastly involve debt collection and creditor’s billing issues.
According to a review posted on BBB, in 2015, a debtor complained that this firm has filed a judgment against him, but he had already paid the debt in 2009. You can see the below image of the actual review.
Another person also complained that Zwicker and Associates are spammers. This person said that they presented him with a fake debt court case for his credit card balance. You can refer to the following image.
In another review on BBB, one debtor complained about the overpaid money. The person paid the debt twice and when he got to know that Zwicker & Associates refused to refund the amount.
This firm got many negative reviews from various individuals, and its rating is less than 3 out of 5 on Glassdoor, Facebook, and BBB. So it is clear that this firm is unpopular among people. Many people are affected by their misleading and threatening practices of debt collection.
The solution to Zwicker & Associates harassment
If Zwicker and Associates have contacted you to collect a debt, then the first thing you must do is to take suitable action to avoid any default judgment against you. If they contact you early in the morning, late at night, contact your employer, or any family member to collect a debt, then remember that the FDCPA is there to protect you.
FDCPA always protects you from such misleading and threatening practices of debt collection. A debt collection firm doesn’t have the right to threaten you with legal action. But still, if you don’t know how to deal with Zwicker& Associates, then you can contact Debt Academy.
If Zwicker& Associates are using unfair practices of debt collection with you, then it’s time for you to contact the Debt Academy.
We have expert lawyers, who can assist you in tackling the debt and credit issues. We are always delighted to help those, who are struggling with crippling debt because we understand the financial hardships of the people. If you get a call from Zwicker and Associates and you think they are treating in an unfair manner, then you can simply contact us. We will investigate the matter and provide you relevant guidance and legal protection.
Call Debt Academy at 1800-Phone-Number today!
We know better how to deal with such debt collecting firms and make them follow the law under the FDCPA.