How to Remove Zwicker & Associates from Your Credit Report

Is Zwicker & Associates hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is Zwicker & Associates, P.C.?

Zwicker & Associates, P.C. is a debt collection agency headquartered in Andover, Massachusetts, but their scope reaches throughout the country. They are a law firm specializing in debt collection for larger clients including American Express, Bank of America, Chase, and Discover.

You may see Zwicker & Associates listed on your credit report as a collections account. This can happen when you forget to pay a bill.

How can I remove Zwicker & Associates from my credit report?

Zwicker & Associates collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law Firm is a credit repair company that helps people fix their credit.

In addition to collections, Lexington Law Firm can also help you remove other inaccurate information such as inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, liens, and bankruptcies from your credit report.

Call Lexington Law now to learn more: (800) 220-0084

stressed woman

Zwicker & Associates, P.C. Contact Information

Address:

Zwicker & Associates, P.C.
80 Minuteman Road
Andover, MD 01810

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

Should I contact or pay Zwicker & Associates?

Nothing good can come from contacting a collection agency like Zwicker & Associates. And making payments on the collection account will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new and you’re sure that it’s legit.

The best way to go about dealing with Zwicker & Associates is to work with a professional credit repair service. They have deleted millions of negative items from companies like Zwicker & Associates for millions of clients nationwide.

And they can help you too.

Will Zwicker & Associates sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Zwicker & Associates again.

Call Lexington Law Firm to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Zwicker & Associates to make any claims they cannot or will not follow through on – this includes threatening to sue you or foreclose on your home.

Zwicker & Associates, P.C. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed by Zwicker and Associates, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Zwicker & Associates does too.

Your Rights When Dealing with Zwicker & Associates, P.C.

There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Zwicker & Associates to report inaccurate or incomplete information on your credit report.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Zwicker & Associates, P.C. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Zwicker & Associates must be honest about who they are and what they are attempting to do. They must notify you that they are a collection agency both orally and in writing.
  • Zwicker & Associates cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

More Tips on Dealing with Zwicker & Associates, P.C.

Avoid the phone. NEVER talk to a debt collector on the phone. The less they know about you, the better.

Politely tell Zwicker & Associates it’s your policy to deal with everything in writing. Request a letter with the original debt information and then hang up. If they keep calling, send them a cease & desist letter.

Record their phone calls. If you must deal with a debt collection agency on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.

In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you are going to record, and they keep talking, that’s considered giving permission. They will usually hang up.

Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt.

Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, it’s also best to avoid giving access to your bank account or credit card information.

Don’t apply for new lines of credit. It’s also considered fraudulent to apply for new lines of credit if you are unable to pay your current creditors.

Don’t ignore them. You can do things on your terms, but ignoring the situation will not make Zwicker & Associates go away. Ignoring them sets you up for a possible lawsuit.

Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but it’s typically around 4-6 years.

A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.

Has Zwicker & Associates contacted you about an alleged debt?

You may have received a letter or phone call from the law firm attempting to collect a debt or a debt settlement offer. 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 account to a collection agency like Zwicker & Associates. But just because you receive a debt settlement notice from a law firm concerning an owed collection amount doesn’t mean that the account 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 Zwicker & Associates. 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 do 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 attempt to 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.

However, they can continue calling you to attempt to get you to pay on the account. 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 attempt to 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.

Remove Zwicker & Associates from Your Credit Report Today!

Lexington Law specializes in disputing Zwicker & Associates collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law Firm.

Call them at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.