Zwicker & Associates

Is Zwicker & Associates causing you to have bad credit?

Having Zwicker & Associates collections on your credit report can be very damaging to your credit. These types of collection accounts remain on your credit report for seven years.

Even though the direct impact on your credit lessens over time, all of your future creditors can see that negative item when you apply for new credit.

This makes it difficult to get a loan or a credit card, especially if you want the most competitive rates (and who doesn’t want that?).

If you have noticed a collection account from them on your credit history, you will want to get it removed as soon as possible.

We’ll show you everything you need to know about dealing with Zwicker & Associates throughout the collections process, plus how to dispute and remove those negative collections accounts from your credit report.

Who is Zwicker & Associates, PC?

They are both a debt collector and debt collection law firm. They are headquartered in Andover, Massachusetts, but their scope reaches throughout the country.

They have a bad reputation for contacting people with harassing phone calls and letters about a debt that they sometimes may not even owe. They also collect for third-party debt buyers.

Like other debt collectors, they are the subject of many complaints and lawsuits, having been sued by consumers numerous times. In addition to being a debt collector, they also use their law firm to bring civil actions against consumers.

It can be intimidating to be on the receiving end of their tactics, so it’s vital that you inform and prepare yourself so that you’re not bullied or taken advantage of.

stressed woman

Has Zwicker & Associates contacted you about an alleged debt?

You may have received a letter or phone call from them claiming that you have an outstanding debt with them. Remember, their job entails buying debt in bulk from creditors, so the debt didn’t originate with them.

Maybe you had an outstanding payment to your hospital or got significantly behind on your credit card payments.

If one of your creditors decided to give up on collecting payment from you on their own, they may have sold your debt to a collection agency like Zwicker and Associates. But just because you receive a notice from them concerning an owed collection amount doesn’t mean that the information is accurate or even that the debt belongs to you at all.

How to Handle Communication with Zwicker & Associates

There are several steps you can take to defend yourself against any allegations from them. It’s vital to do these correctly the first time around so that you don’t accidentally renew any statutes of limitation or admit to something that isn’t actually true.

Know Your Rights

Start by learning more about the Fair Debt Collection Practices Act (FDCPA). This federal law outlines your rights as a consumer in the debt collection process.

It also says what debt collectors like Zwicker and Associates can and cannot due to collect the owed amount. Protect yourself by becoming knowledgeable about this law.

Once a representative realizes you are, they may tone down the aggressiveness of their tactics. If they don’t, you have the resources you need to report them to the FTC and your state attorney general.

Otherwise, they are likely to try and take advantage of you by harassing you however they see fit, even if it involves sidestepping the law.

Send an Expired SOL Notification Letter

If you believe that your debt has expired under your state’s statute of limitations, you should send a letter to Zwicker and Associates informing them of this information.

This tactic, if applicable, is a great way to get the collection agency off your back. Once a statute of limitation is expired, Zwicker and Associates cannot sue you through court for the debt.

They can, however, continue calling you to try to get you to pay. Notifying them of the expired SOL with a letter tells them you no longer wish to be contacted about the debt. After that, they should stop because there’s no legal way for them to forcibly collect the debt — and they know you know it.

Request a Debt Validation

If your debt is not expired under the statute of limitations, there is still a way to get Zwicker and Associates to back down. You can formally request a debt validation, which requires them to prove that you actually owe the debt and that the amount is correct.

The great thing is that they’re legally required to stop their collection attempts until they provide the information you’ve requested.

Because debt collectors like Zwicker and Associates buy so much debt, there’s a strong possibility that they don’t have the correct paperwork to prove your debt, or that they made a mistake to begin with.

Dispute the Entry on Your Credit Report

The final step is to try and get the collection removed from your credit report. You can attempt this on your own, but you can also enlist the help of a professional credit repair firm.

Once you initiate the dispute process directly with the credit bureau, they have 30 days to finalize the investigation. They must get the details of the collection verified, and then update your account with accurate information, or delete the entry entirely.

How to Contact Zwicker & Associates


80 Minuteman Road
Andover, MD 01810

Phone number: (800) 370-2251 or (978)-686-2255

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