Zwicker & Associates Debt Collection Harassment
Tired**of Zwicker & Associates Debt Collection Harassment? Wish there was a way to make the calls stop? Is Zwicker & Associates constantly calling and harassing you? Does your phone ring every day, several times per day, because Zwicker & Associates is calling you to demand payment? Threatening you with aggressive tactics used by Zwicker & Associates? Has Zwicker & Associates ever used abusive or profane language when speaking with you on the phone? If so, Zwicker & Associates may be violating your legal rights. Stop the harassment. You have the legal right to request that debt collectors stop contacting you in cases of harassment.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is Zwicker & Associates a scam?
According to the Better Business Bureau website, Zwicker & Associates has been in business since 1981 and the firm focuses on specific areas of legal representation, particularly in handling cases related to delinquent accounts and consumer debt collection. Zwicker & Associates often represent creditors in legal collection lawsuits to recover debts, including student loans. There have been 21 complaints closed in the last 3 years and 7 complaints closed out in the last 12 months.
Zwicker & Associates Better Business Bureau
Who is Zwicker & Associates?
Zwicker & Associates is a debt collection law firm located in Andover, Massachusetts. They are known for using aggressive tactics in their collection practices.
Address: 80 Minuteman Road Andover, MA 01810-1008 Phone: (978) 686-2255 Fax: (978) 686-3538
Zwicker & Associates Debt Collection Harassment Tactics
If Zwicker & Associates engages in any of the following tactics, you may have a case:
- Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
- Talking to others about your debt
- Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
- Use any profane language or any language that is harassing and abusive
- Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
- Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force making payments
- Threaten arrest or criminal prosecution
- Send false information to the credit bureaus
- Cause a telephone to ring an unreasonable amount of times
- Ignore a formal request to stop contacting you
Zwicker & Associates Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
877-210-5331, 877-273-9783, 877-210-5331, 678-407-8033, 512-218-0488, 978-686-2255, 925-689-7070, 301-355-7400, 978-686-3538, 512-218-0546, 585-506-9850, 503-786-6119, 248-743-0882, 859-586-2250, 908-454-3922.
If so, you may be a victim of Zwicker & Associates debt collection harassment. The list above is not all the numbers that Zwicker & Associates uses. Also, calls can be from a different numbers and it still be Zwicker & Associates calling you. Understanding alleged debt is crucial when receiving calls from Zwicker & Associates. Contact our office right away so we can start the process to stop Zwicker & Associates from calling you illegally. Above all, no one should live with harassment.
State law can significantly impact debt collection practices and the legal framework within which creditors operate.
Common Questions:
Is Zwicker & Associates a scam? No, Zwicker & Associates has been in business since 1981.
Can Zwicker & Associates seize my property? Zwicker & Associates can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can Zwicker & Associates sue me? Yes, Zwicker & Associates can sue you so long as the debt is within the statute of limitations. It is crucial to understand the status of your court case to stay informed and prepared.
Having a strong defense strategy is essential when faced with lawsuits from debt collectors like Zwicker & Associates, P.C. A strong defense can lead to significant debt reductions for clients.
Can Zwicker & Associates report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can Zwicker & Associates arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against Zwicker & Associates and can be found on Pacer.org.
5:19-cv-00302-FB Rocha v. Zwicker & Associates, P.C. et al
1:19-cv-01489-ENV-RML Israel v. Zwicker & Associates, P.C. et al
2:18-cv-05637-JFB-AYS Campo v. Zwicker & Associates, P.C.
1:18-cv-05502-KAM-SMG Faust v. Zwicker & Associates, P.C.
2:18-cv-14395-CCC-MF CHENG v. ZWICKER & ASSOCIATES, P.C.
CONSUMER RIGHTS LAW FIRM, PLLC
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. The firm offers a free consultation to help clients understand their rights and options. Contact a legal professional to stop Zwicker & Associates debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm, PLLC Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent Zwicker & Associates debt collection harassment and other legal actions, call us at for immediate assistance or visit our website at www.consumerlawfirmcenter.com.
Success Stories
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued, it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately, they were able to put some money in my pocket as well. Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights. Their expertise in negotiating settlements with debt collectors was invaluable.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions. The staff were very courteous and helpful, and they were familiar with the Collection Agencies in question. The harassment calls stopped, and I was even compensated. As a collection law firm, they provided exceptional legal assistance and ensured my rights were protected. I would recommend this company to anyone going through this type of harassment. A very satisfied customer.”
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.”
Check out a links below for more information:
Massachusetts Attorney General
Debt Validation and Verification
Debt validation is the process by which a debt collector verifies the legitimacy of a debt claim. This process involves providing the debtor with detailed records of the debt, including the amount owed, the original creditor, and the payment history. Debt collectors must provide this information in response to a debt validation letter, which is a written request from the debtor to verify the debt. This step is crucial in ensuring that the debt is legitimate and that the debtor is not being pursued for an incorrect or fraudulent claim.
Ensuring the Legitimacy of Debt Claims
Debt validation is essential to ensuring that debt claims are legitimate and enforceable. Debt collectors must provide accurate and complete information about the debt, and must cease collection efforts if the debt is disputed or invalid. The FDCPA requires debt collectors to provide debtors with a written notice of the debt, including the amount owed and the name of the original creditor. Debt collectors must also provide debtors with an opportunity to dispute the debt and request verification. This process helps protect consumers from unfair debt collection practices and ensures that only valid debts are pursued.
Negotiating a Settlement
Negotiating a settlement is a common strategy used by debt collectors to resolve outstanding debts. This involves reaching an agreement with the debtor to pay a lump sum or a series of payments in exchange for the debt collector’s agreement to cease collection efforts. Debt settlement companies, such as those that work with Zwicker & Associates, can facilitate this process and help debtors reach a settlement agreement. These companies specialize in negotiating with creditors to reduce the total amount owed, making it easier for debtors to manage their financial obligations.
Strategies for Reaching an Agreement
Reaching a settlement agreement requires careful negotiation and a thorough understanding of the debt and the debtor’s financial situation. Debt collectors must be willing to compromise and offer realistic payment plans that take into account the debtor’s ability to pay. Debtors, on the other hand, must be prepared to provide detailed financial information and negotiate a settlement amount that is fair and reasonable. The goal of negotiation is to reach a mutually beneficial agreement that resolves the debt and avoids further legal action. Experienced attorneys can provide valuable guidance and representation throughout this process, helping debtors to navigate the complex world of debt collection and reach a favorable settlement.
