Zwicker & Associates

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. headquartered in Andover, Massachusetts, but their scope reaches throughout the country. Some of the law firm’s larger clients include 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 if you forgot to pay a bill and your account was sent to a debt collector.

Zwicker & Associates, P.C. Collection Accounts

Zwicker & Associates collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to have it removed before 7 years and you may not even have to pay it.

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

Lexington Law is a credit repair company that helps people fix their credit. You may not even have to pay any of the debts on your credit report.

In addition to collections, Lexington Law 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


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 debt will reset the clock. Not only will it not help your credit, but it could actually make it worse.

The best way to go about dealing with Zwicker & Associates is to contact 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?

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 debt and possibly get it removed 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 to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

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). It’s because they often report accounts inaccurately and/or for harassment. If you are being harassed by a debt collector, 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.

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. 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 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 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 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.

Can Zwicker & Associates collections be removed from my credit report?

Lexington Law specializes in disputing Zwicker & Associates collection accounts. They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.

Get Your Collections Removed Today!

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

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