Zwicker & Associates

Who is Zwicker & Associates, P.C.?

Zwicker & Associates, P.C. is a law firm specializing in debt collection with its headquarters in Andover, Massachusetts. However, its reach is not limited to just Massachusetts as they operate nationwide. As a debt collection agency, they are engaged to recover unpaid debts on behalf of various creditors.

If Zwicker & Associates, P.C. is listed on your credit report, it generally signifies an account in collections. This typically occurs when you have a bill that was not paid and has fallen into default.

Who does Zwicker & Associates collect for?

Zwicker & Associates, P.C. represents a variety of larger clients in their efforts to recover debts. This includes financial institutions and credit card companies such as American Express, Bank of America, Chase, and Discover Bank.

Is Zwicker & Associates legit or a scam?

Zwicker & Associates is a legitimate company. They are a law firm authorized to collect debts on behalf of their clients. However, it’s always essential to verify any debt that a collection agency claims you owe before making any payments.

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.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Zwicker & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Zwicker & Associates on behalf of their clients.

Will Zwicker & Associates sue me or garnish my wages?

Zwicker & Associates, P.C. can legally sue you for an unpaid debt. If they win the lawsuit and a judgment is issued against you, they may have the ability to garnish your wages or levy your bank account to recover the amount owed, depending on the laws of your state.

However, it’s important to remember that lawsuits and wage garnishment are typically seen as last-resort measures for debt collectors. This is because these processes can be time-consuming, expensive, and require significant effort to navigate.

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). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

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

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 about you.
• 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 debt collection agency both orally and in writing.
• Zwicker & Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Zwicker & Associates From Your Credit Report Today!

Credit Saint can assist you in disputing Zwicker & Associates collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.