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 475-277-1600 for a Free Case Evaluation.
Our services are absolutely FREE to you.
The harassing company pays our fees.
Is Zwicker & Associates a scam?
They’re legit. 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 & Associates’ annual revenue at $84.1 million and the size of its headquarters staff at 400 people.
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.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
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.
Zwicker & Associates, P.C.
80 Minuteman Road
Andover, MA 01810-1008
Telephone: (978) 686-2255
Can Zwicker & Associates Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats 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!
Get Free BBB A+ Attorney. Call 475-277-1600 NOW
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Zwicker & Associates?
Absolutely. You can sue a debt collector. Here is a Sample Case Filed in Federal Court:
In 2017, a New York man filed a proposed class action lawsuit against Zwicker & Associates, P.C. claiming the company sent debt collection letters that failed to comply with requirements set forth by the Fair Debt Collection Practices Act. According to the suit, another debt collector had attempted to collect on the plaintiff’s alleged debt and sent him a letter on or around May 25, 2016 that specified a balance of $34,680.27. On June 7, 2016, the defendant supposedly sent the plaintiff a letter informing him that his balance was $35,717.21. The June letter neglected to mention accruing interest or late fees, but the increase in the plaintiff’s balance indicated to him that extra charges were being applied, according to the complaint. The suit argues that Zwicker & Associates violated the FDCPA by failing to clearly disclose the amount of the plaintiff’s alleged debt and leaving him unable to settle his account.
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?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue Zwicker & Associates for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you 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.
Consumers have reported this agency harassing them from the following numbers:
Stop Debt Collection Harassment
You may have a case, if…
- 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, a 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
Read more about your rights
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.
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