If Zwicker & Associates, P.C. shows up on your credit report, it likely means you’ve got a debt in collections. This can lower your credit score and stick around for years unless you take action. Here’s what you need to know—and how to get it removed.
Who Is Zwicker & Associates, P.C.?
Zwicker & Associates, P.C. is a law firm that acts as a debt collector. Based in Andover, Massachusetts, they operate nationwide and work on behalf of creditors to collect unpaid debts.
If you’re seeing their name on your credit report, it’s usually because a lender sent your account to collections after missed payments.
Who Does Zwicker & Associates Collect For?
Zwicker typically collects debts for major banks and credit card companies. Their clients often include:
- American Express
- Bank of America
- Chase
- Discover Bank
Is Zwicker & Associates Legit?
Yes, Zwicker & Associates is a legitimate debt collection law firm. But just because they’re real doesn’t mean the debt is valid—or that it’s being reported correctly.
Before paying anything, make sure the debt is accurate and still within the statute of limitations.
How to Remove Zwicker & Associates From Your Credit Report
A collection account can hurt your credit score for up to seven years. If you want it removed, you have a few options:
- Dispute inaccuracies – If anything looks wrong—like the balance, dates, or even the account itself—you can dispute it with the credit bureaus.
- Request debt validation – Send a debt validation letter to Zwicker within 30 days of first contact. They must prove the debt is yours and that the amount is correct.
- Negotiate a pay-for-delete – In some cases, Zwicker may agree to remove the account from your credit report in exchange for payment. Get the agreement in writing before you pay.
- Get professional help – Credit repair companies challenge negative items like collections every day. They know how to deal with companies like Zwicker.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Zwicker & Associates?
Only contact Zwicker after you’ve verified the debt. If the debt isn’t yours—or it’s reported incorrectly—disputing it first is the smarter move.
Also, be cautious about making a payment. In some states, paying even a small amount can restart the statute of limitations, giving collectors more time to sue you.
Can Zwicker & Associates Sue You or Garnish Your Wages?
Yes, they can sue you—and they often do. If they win, they may be able to garnish your wages or freeze your bank account, depending on state laws.
That said, lawsuits are typically a last resort. Collectors usually prefer to settle before taking legal action.
Your Rights Under Federal Law
You’re protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s what that means for you:
- Zwicker can’t report false or incomplete information.
- You can ask for written proof that the debt is yours.
- They can’t call nonstop, use threats, or harass you.
- They must be upfront about being debt collectors.
- They can’t threaten jail time—it’s illegal.
If they violate these rules, you have the right to file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general.
Zwicker & Associates Contact Information
- Mailing Address:
Zwicker & Associates, P.C.
80 Minuteman Road
Andover, MA 01810 - Phone Numbers:
(800) 370-2251
(978) 686-2255
File a Complaint If You’re Being Harassed
If Zwicker is calling constantly, being aggressive, or refusing to validate a debt, you can file a complaint with:
- The Consumer Financial Protection Bureau (CFPB)
- The Better Business Bureau (BBB)
- Your state attorney general’s office
Make sure to document any violations—they could help your case if you end up disputing the debt or taking legal action.
Need Help Removing Zwicker & Associates?
Dealing with collections is never easy—but you don’t have to handle it on your own. Credit Saint has helped thousands of people remove negative items from their credit reports, including accounts from firms like Zwicker & Associates. They also offer a 90-day money-back guarantee if you’re not satisfied with the results.
Call (855) 281-1510 or visit their website to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
