- Report: #748069
Complaint Review: Zwicker & Associates - Andover Massachusetts
Reported By:
chk2260 -
Ann Arbor, Michigan, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
Zwicker & Associates
80 Minutman Road, Andover, MA 01810 Andover, 01810 Massachusetts, United States of America
Phone:
80070-2251
Web:
Categories:
Business Rating:
(0)
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Zwicker & Associates unconscionable, possibly illegal? Andover, Massachusetts
I received a call from Zwicker & Associates this morning, trying to get me to up my payment to Discover Card. My account went to them, due to medical issues with spouse at the time. I have been paying in good faith on the account. Today an account manager at Zwicker actually suggested that I get into deeper debt by taking out a loan, so I could pay off Zwicker and get rid of them. This same manager also tried to obtain my ex's personal information to try and get the money from him! I kept saying I could not afford to increase my payment but they wouldn't listen. I finally asked the manager, "What am I supposed to do, turn tricks on a street corner to pay you?" Her answer was, "Well you do have to pay us." Unbelievable!! This manager was actually advocating that I do something illegal just to pay them?? I am absolutley flabbergasted by this woman! I am not sure if her suggestion was illegal, but's certainly immoral!
1 Updates & Rebuttals
HannaH8R
Georgia,USA
Info. vs. Zwicker
#2Consumer Comment
Tue, July 05, 2011
Paying Zwicker just makes it worse. You should immediately cease all contact with them and send a do-not-call letter (see below). They are a fraud. They lose their lawsuits when consumers answer in time as they do not have any valid proof of their debts. Pull your credit report. Chances are you will get NO credit for anything you pay Zwicker, and you may end up being collected on by a 2nd debt collector for the same debt (even if you pay Zwicker 100%).
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See below for info. on where to look for sample do-not-call letters vs. Zwicker, and how to fight Zwicker lawsuits and WIN (feel free to post on here too for more info.):
Info. for fighting Zwicker lawsuits:
http://www.beatdebtcollectors.com/
Zwicker consumer complaints and blogs:
http://nextlevelunlimited.net/blog/stop-collection-agency-harassment-from-zwicker-and-associates/
http://www.ripoffreport.com/Search/Zwicker.aspx
Submit a Georgia (or search for your state bar site) bar complaint vs. Zwicker attorneys:
http://gabar.org/contact_the_bar/
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Sample do-not-call/ validation letter vs. Zwicker:
Date: July 4, 2011
Zwicker & Associates, P.C.
80 Minuteman Rd.
Andover, MA 01810-1008
Account number(s): (See Enclosed)
RE: Request for Validation of Debt, 15 U.S.C. 1692g
Dear Sir or Madam:
This is my formal notice that I am disputing this debt, and requesting immediate validation under Section 809 of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, of the debt from your office. I am requesting that your office immediately send me a copy of the following documents: (a) the name, address, and phone number of an employee of the original creditor that can validate the debt, (b) proof of who is the current legal owner of the debt, and that you represent the original creditor or debt buyer, and (c) the original signed note, contract, credit agreement, or instrument creating the debt.
I am disputing this debt for the following reasons: this debt has not been validated. I do not know whether your debt collection company is the legal owner of this debt or not, or if the amounts charged are valid.
This is also my formal notice under 15 U.S.C. 1692c, to you to cease all further communications with me, my family members, and my associates and all third parties, unless I give you express permission to do so. You have my express permission to mail me the requested validation documents to the address listed below, but I do not give you permission to contact me over the phone, or in any other way except as specifically addressed in this letter.
This letter is not meant in any way to be an acknowledgment that I owe this money.
Sincerely,
John Doe
P.O. Box 0000
Atlanta, GA 30300
