If Zwicker & Associates, P.C. has filed a lawsuit against you or is calling about a credit card or loan balance, the situation carries more urgency than a standard collection notice. According to BBB records, the firm has accumulated 21 complaints over three years, with consumers reportedly describing confusing letters where balances changed without explanation. If you received a Zwicker letter and cannot verify the amount stated, call +1-877-700-5790 for a free case review.
Key Takeaways
- Zwicker & Associates, P.C. is a Massachusetts-based debt collection law firm operating since 1981, located at 80 Minuteman Road, Andover, MA 01810. The firm collects primarily for American Express, Bank of America, Target, and Discover.
- The firm has been named as a defendant in multiple proposed federal class actions, with plaintiffs alleging its collection letters omitted required disclosures about accumulating interest and fees, and implied attorney review that had not actually occurred.
- According to BBB records, Zwicker & Associates has received 21 complaints in the last three years, with the most common pattern reportedly involving confusing or misleading balance disclosures.
- As a law firm acting as a debt collector, Zwicker is bound by the FDCPA. Misleading statements about amounts owed or false implications of attorney involvement may constitute violations under 15 U.S.C. § 1692e.
- If Zwicker has filed a lawsuit against you and you ignore it, a default judgment can result in wage garnishment or bank levies, depending on your state.
- FDCPA violations can result in statutory damages up to $1,000 per case, plus attorney fees paid by the collector. Consumer Rights Law Firm PLLC handles these cases on contingency — no upfront cost to you.
Free Case Review: +1-877-700-5790
Who Is Zwicker & Associates, P.C?
Zwicker & Associates, P.C. is a debt collection law firm founded in 1981 and headquartered in Andover, Massachusetts. Unlike traditional collection agencies, Zwicker operates as a law firm, which means it can file civil lawsuits directly against consumers on behalf of its creditor clients. The firm collects primarily on credit card debt and personal loans for major original creditors, including American Express, Bank of America, Target, and Discover.
Because Zwicker files lawsuits rather than just sending collection letters, contact from this firm carries different stakes than a call from a standard agency. A default judgment from ignoring court papers can lead to wage garnishment or bank levies in states that permit them.
- Also Known As: Zwicker & Associates, P.C.; Zwicker PC; Zwicker & Assoc
- Address: 80 Minuteman Road, Andover, MA 01810-1008
- Phone: 877-210-5331 | (877) 210-5331 | +1-877-210-5331 | 8772105331 | (978) 686-2255
- Fax: (978) 686-3538
- Website: zwickerpc.com
- BBB Profile: Zwicker & Associates BBB listing
Phone Numbers Zwicker & Associates Uses
Zwicker & Associates operates from multiple regional offices and uses a range of outbound numbers. Consumers have reported the following numbers in BBB complaints and online forums. If any of these appear on your caller ID, the call is likely from Zwicker or a firm collecting on their behalf.
- 877-210-5331 | (877) 210-5331 | +1-877-210-5331 | 8772105331
- 877-273-9783 | (877) 273-9783 | +1-877-273-9783 | 8772739783
- 978-686-2255 | (978) 686-2255 | +1-978-686-2255 | 9786862255
- 678-407-8033 | (678) 407-8033 | +1-678-407-8033 | 6784078033
- 512-218-0488 | (512) 218-0488 | +1-512-218-0488 | 5122180488
- 925-689-7070 | (925) 689-7070 | +1-925-689-7070 | 9256897070
- 301-355-7400 | (301) 355-7400 | +1-301-355-7400 | 3013557400
- 512-218-0546 | (512) 218-0546 | +1-512-218-0546 | 5122180546
- 585-506-9850 | (585) 506-9850 | +1-585-506-9850 | 5855069850
- 248-743-0882 | (248) 743-0882 | +1-248-743-0882 | 2487430882
- 859-586-2250 | (859) 586-2250 | +1-859-586-2250 | 8595862250
- 908-454-3922 | (908) 454-3922 | +1-908-454-3922 | 9084543922
Zwicker maintains regional offices in multiple states, so calls may come from local area codes rather than the Massachusetts main line. The list above is not exhaustive. If you receive a call from an unfamiliar number about a credit card or loan balance, verify the caller’s identity in writing before providing any information.
Why Is Zwicker & Associates Calling You
Zwicker & Associates is calling you because a creditor, most commonly American Express, Bank of America, Target, or Discover, retained the firm to collect on a delinquent credit card or personal loan account. Zwicker is not a third-party debt buyer. The firm typically acts as legal counsel for the original creditor, which means the creditor still owns the account, and Zwicker has the authority to file suit on its behalf.
That distinction matters practically. When Zwicker contacts you, it does so with the creditor’s full legal backing. The firm’s letters often state a specific balance “as of” a particular date, which can create confusion about whether additional interest or fees continue to accrue. According to class action filings, that balance ambiguity has been a recurring source of federal complaints against the firm.
If you are unsure whether the debt is yours, whether the amount is accurate, or whether the statute of limitations has expired in your state, a written request for debt validation pauses collection activity while Zwicker verifies.
Have You Been Sued by Zwicker & Associates
Yes, Zwicker & Associates regularly files civil lawsuits in local county and district courts on behalf of original creditors. This is one of the firm’s primary functions, and consumers should treat a lawsuit filing with urgency.
If Zwicker has served you with a complaint, you have a limited window to respond — typically 20 to 30 days, depending on your state and the court. Ignoring the complaint does not make the lawsuit disappear. A default judgment gives Zwicker’s client legal tools it did not have before, including the ability to pursue wage garnishment or bank account levies in states that permit them.
Many Zwicker lawsuits settle before trial, and some are resolved for reduced balances when the consumer responds promptly and seeks advice. Key variables include whether the debt falls within the statute of limitations, whether the creditor can produce the original account agreement, and whether the balance Zwicker states matches the amount provable under that agreement.
Has Zwicker & Associates Been Sued for FDCPA Violations
Yes. Zwicker & Associates has been named as a defendant in multiple proposed federal class actions and individual FDCPA cases. The recurring themes across those filings involve misleading balance disclosures, missing required notices, and letters that allegedly implied attorney review when none had occurred.
- Schwartz v. Zwicker & Associates, P.C. — proposed class action alleging the firm’s letters failed to clearly disclose accumulating interest or late fees, making it impossible for consumers to determine their true payoff amount.
- Murdolo v. Zwicker & Associates, P.C. — proposed class action alleging deceptive collection letters that reportedly implied attorney involvement when no attorney had actually reviewed the consumer’s file.
- Lipskier v. Zwicker & Associates, P.C. — proposed class action arguing the firm misrepresented the obligation amount by stating a balance “as of the date” of the letter, which plaintiffs alleged created a confusing implication that fees were constantly accruing when they were not.
- Sparkman v. Zwicker & Associates, P.C. (E.D. New York) — an earlier case shaping disclosure standards for debt collection law firms under federal law.
- Wise v. Zwicker & Associates, P.C. (U.S. Court of Appeals, Sixth Circuit) — a significant appellate decision defining liability exposure for law firms acting as debt collectors under the FDCPA.
- Rocha v. Zwicker & Associates, P.C. et al, No. 5:19-cv-00302-FB (W.D. Tex.) — individual FDCPA complaint filed in federal court.
- Israel v. Zwicker & Associates, P.C. et al, No. 1:19-cv-01489-ENV-RML (E.D.N.Y.) — individual FDCPA complaint filed in federal court.
- Campo v. Zwicker & Associates, P.C., No. 2:18-cv-05637-JFB-AYS (E.D.N.Y.) — individual FDCPA complaint filed in federal court.
- Faust v. Zwicker & Associates, P.C., No. 1:18-cv-05502-KAM-SMG (E.D.N.Y.) — individual FDCPA complaint filed in federal court.
- Cheng v. Zwicker & Associates, P.C., No. 2:18-cv-14395-CCC-MF (D.N.J.) — individual FDCPA complaint filed in federal court.
The pattern across these cases is consistent: consumers allege they could not determine what they actually owed from Zwicker’s letters, and that the letters suggested an attorney’s personal review of their account when records indicate that review may not have occurred. Those two issues, balance clarity and attorney involvement- are the first things to examine in any Zwicker correspondence.
Is Zwicker & Associates a Scam?
No. Zwicker & Associates, P.C. is a legitimate, licensed Massachusetts law firm that has operated since 1981. The firm is not an impersonation operation, and its collection letters relate to real debts owed to real creditors.
Licensed status does not mean every tactic the firm uses is legal. The class actions described above allege that Zwicker’s letters violated federal FDCPA disclosure requirements even though the underlying debts were genuine. A collection letter from a real law firm can still contain misrepresentations actionable under 15 U.S.C. § 1692e if it misstates the amount owed or falsely implies attorney oversight. According to class action records, plaintiffs have alleged precisely that pattern against Zwicker on multiple occasions.
Is Zwicker & Associates Banned by the FTC
No. Zwicker & Associates has not been banned by the Federal Trade Commission and remains a licensed, active debt collection law firm authorized to operate nationally.
The absence of an FTC ban does not eliminate the firm’s legal exposure. Private FDCPA lawsuits filed by consumers are the primary enforcement mechanism for the law, and the class actions above reflect that ongoing exposure.
The CFPB also holds supervisory authority over larger collectors. A consumer can have a viable federal FDCPA claim against Zwicker without any FTC action on record.
Can Zwicker & Associates Garnish Your Wages
Yes, but only after obtaining a court judgment. Before a judgment, Zwicker has no legal authority to access wages or bank accounts. That changes if a lawsuit proceeds to default or a court ruling.
Once a court enters judgment in the creditor’s favor, the judgment holder can pursue wage garnishment, bank levies, or property liens, depending on your state’s exemption laws.
Some states prohibit wage garnishment for consumer debts entirely; others allow creditors to take a percentage of disposable earnings. Responding to a Zwicker lawsuit before the court deadline is the most direct way to prevent a default judgment.
How Consumer Rights Law Firm PLLC Can Help With Zwicker Law Suit
Consumer Rights Law Firm PLLC has assisted consumers facing Zwicker & Associates since 2010 and holds an A+ rating with the Better Business Bureau. If Zwicker sent you a collection letter, the firm examines whether the balance stated was clearly and accurately disclosed, whether any attorney named on the letter actually reviewed your account, and whether the “as of” date language created a misleading implication about ongoing fees, the exact issues at the center of the federal class actions filed against Zwicker.
If Zwicker filed a lawsuit against you, the firm reviews the original account agreement against the claimed balance, checks whether the debt falls within the statute of limitations, and identifies whether any FDCPA violation exists in the collection process itself.
Consumer Rights Law Firm PLLC represents consumers exclusively and has never represented a creditor or collector. The firm handles FDCPA cases on contingency: if Zwicker violated federal law, they pay the fees, and you pay nothing up front. To start a free case review, call +1-877-700-5790 or visit the firm’s website at consumerlawfirmcenter.com.
What Clients Say
“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. I came across this firm and called to see how I could get the calls to stop. Not only did they get the calls to stop immediately, they were able to put some money in my pocket as well. It cost me nothing for them to help me.”
– Verified Client
“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. I would recommend this company to anyone going through this type of harassment.”
– Verified Client
“I would highly recommend Consumer Rights Law Firm to anybody that has been harassed. They were very professional and straightforward about my rights.”
– Verified Client
If Zwicker’s letters contained a balance you could not verify or implied attorney involvement that never occurred, that conduct may support a federal FDCPA claim. Call +1-877-700-5790 for a free case review. Consumer Rights Law Firm PLLC handles these cases on contingency, and if Zwicker violated federal law, they pay the fees.
Frequently Asked Questions
Who does Zwicker and Associates collect for
Zwicker & Associates primarily collects for major original creditors including American Express, Bank of America, Target, and Discover. The firm acts as legal counsel for these creditors and files civil lawsuits on their behalf. It does not typically purchase debt like a third-party debt buyer.
What is Zwicker and Associates phone number
Zwicker & Associates’ primary reported number is 877-210-5331, with (978) 686-2255 as the main Andover, MA line. The firm uses additional regional numbers including 678-407-8033, 512-218-0488, and 925-689-7070. If any of these appear on your caller ID, request written debt validation before discussing the account.
Is Zwicker and Associates a debt collector
Yes. Zwicker & Associates is a licensed law firm that qualifies as a debt collector under the FDCPA because it regularly collects debts on behalf of creditors as part of its business. That status subjects it to all FDCPA requirements, including accurate balance disclosure and truthful attorney representations.
Is Zwicker and Associates legit
Yes, Zwicker & Associates is a legitimate law firm operating since 1981, not a scam or impersonation scheme. However, licensed status does not shield the firm from FDCPA claims — multiple class actions allege its letters omitted required disclosures or misrepresented the amount owed.
Why is Zwicker and Associates calling me
Zwicker is calling because a creditor retained the firm to collect on a delinquent credit card or loan account. The firm contacts consumers as legal counsel for the original creditor, not as a debt buyer. If you dispute the debt or the amount, request written validation within 30 days of first contact.
Zwicker and Associates complaints — what do consumers report
According to BBB records, Zwicker & Associates has received 21 complaints in three years. Consumers have reportedly described confusing balance disclosures and letters with amounts that changed without explanation. These patterns match the allegations in the federal class actions filed against the firm.
Can Zwicker and Associates sue me
Yes. Filing civil lawsuits to recover debts for creditors is a core function of this firm. If Zwicker has served you with a complaint, respond before the court deadline — typically 20 to 30 days. Ignoring the filing allows Zwicker to seek a default judgment, which can enable wage garnishment or bank levies depending on state law.
What is a Zwicker and Associates payment plan
Zwicker may negotiate a payment arrangement or reduced settlement on behalf of the creditor it represents. Many cases, including active litigation, settle before trial when the consumer engages promptly. Get any agreement in writing before making a payment.
Your Next Step If Zwicker & Associates Has Contacted You
Whether Zwicker sent a letter with a balance you cannot verify, implied attorney review that may not have occurred, or filed a lawsuit requiring a response, the documents in hand determine your options. Consumer Rights Law Firm PLLC reviews these cases at no cost. If a federal violation exists, the firm handles the case on contingency and Zwicker pays the fees. Call +1-877-700-5790 or visit consumerlawfirmcenter.com to start that review.
