(801) 924-8691

located: United States, Clearfield - UT

Customer Information

801-924-8691 is a phone number on a Cell Number. This device is registered in Clearfield, Utah, UT.

Telephone number formats: 924-8691 (Local dialling)   (801) 924-8691 (Domestic dialling)   +1-801-924-8691 (International dialling) 

2 Report For (801) 924-8691

Report by Kathryn777 Long ago Unknown
Caller asked if Caitlyn was there. I said "There is noone here by that name". He said,"So I got the wrong number?" I said Yeah and I just waited (I thought he would say something else but guess he couldn't come up with anything). Then he said "okay" and we hung up. I should have told him to take my number off his list... This is the 4th sales call I have gotten from the 801 area code in 6 weeks, since my daughter moved to the area code. (???)
Report by Josh Long ago Unknown
This caller wastes my time and minutes.

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Latest Reports From Similar Phone Numbers.

573-229-4489

16 Report Long ago Unknown
This looks to be a very dumb automated scam call.  Whoever this is, called a natural language research system and failed miserably with their interaction.  Howeverr, the system, my system, attempted to interact interact with them correctly.

573-229-4489

16 Report Long ago Unknown
Same as everyone, "Hi this is John, calling you back about lowering your credit card interest"  WHAT A SCAM!

573-229-4489

16 Report Long ago Unknown
SCAM. I let it go to voicemail and some lady left a message saying i was only making minimum payments on my credit card. I don't even have a cc. She offered debt solutions and told me to call back at 1-877-442-8079.

573-229-4489

16 Report Long ago Unknown
File a complaint.  www.donotcall.gov

573-229-4489

16 Report Long ago Unknown
i got a call at 9 this morning and tried to return it and it said it was disconnected!

573-229-4489

16 Report Long ago Unknown
Spoke to the same lady, asked why she called to get that customer service called me. I asked how she got my number, and asked to be removed. She stated she couldn't remove me because she didn't have my number. Told her that was BS and that she called me so i should be removed. She told me i pressed 1 so i didn't have a complaint and hung up on me as i was letting her understand my point.

573-229-4489

16 Report Long ago Unknown
Same story as you guys ... some woman claiming we spoke last week about credit card debt ... I don't own any credit cards and I pay my bills.

573-229-4489

16 Report Long ago Unknown
Credit card scam - Rick Stevens saying he had spoken to me about lowering the interest on my credit cards.

573-229-4489

16 Report Long ago Unknown
"This is Tina Stevens, we spoke last week about reducing your interest on that credit card..."Sounds like a scam to me, deleted the message.

573-229-4489

16 Report Long ago Unknown
"This is Tina Stevens, we spoke last week about reducing your interest on that credit card..."Sounds like a scam to me, deleted the message.

573-229-4489

16 Report Long ago Unknown
Missed call; VM said "Hi guys, this is ____, we talked last week about lowering the monthly payments on those credit cards..." DELETE! This is the 2nd or 3rd time in the past 3-4 mos that I have received a call like this. My husband usually receives a similar one in very close proximity. Red Flags: #1 "hi guys", this is MY cell phone; #2 "we talked last week", no we didn't; #3 "credit cards", don't have any.

573-229-4489

16 Report Long ago Unknown
Was a guy reading a script really fast about a credit offer - I hung up b4 he finished when he tried to talk over me.

573-229-4489

16 Report Long ago Unknown
i let it go to voicemail and she left a message saying i was only making minimum payments on my credit card (not true) and that they could offer me debt solutions. left a toll free # to call back. No thank you :)

573-229-4489

16 Report Long ago Unknown
Credit card auto message telling me to press 1 to talk to Rick Johnson; pressed 1 and was connected to a rep "Jamie" who said she would place my on the do-not-call list.  This was to my cell.

573-229-4489

16 Report Long ago Unknown
I received a phone call at 10:15 am this morning. There was no message and I was unable to return any call to this number.

573-229-4489

16 Report Long ago Unknown
Someone called to offer debt credit services. They left this toll-number 1-877-442-8079

323-372-6320

20 Report Long ago Unknown
They literally call me 15 times a day starting in the wee hours of the morning until late at night. They NEVER leave a message and never speak when I answer my phone. They are calling my cell phone. I am on the do not call list however I can get through to no one to tell them to stop calling me. I am becoming so infuriated! Ever since I put my phone numbers on te DNC list I get more calls than ever! Nothing happens when you report these companies so why did they even offer a DNC list to us?

323-372-6320

20 Report Long ago Unknown
I started getting these call about 2 days ago and i just called them back and what "Great service" they have... Dude hung up on me !!! What is the point of calling if they aren't going to say anything and then return the call and hang up... They really need to stop... this has gotten old real quick...

323-372-6320

20 Report Long ago Unknown
Check out this web site all about Allied Interstate:http://www.fairdebtfaircredit.com/allied-inte ... CFSasGgod20OVBQApparently, they are a seedy little company in need of serious spanking.  I have contacting the FTC and reported them for harrassing me as I have no business with them and am on the National Do Not Call List.  I have also filed a complaint with the National Do Not Call Registry.  Since they have a local branch listed above on that link I've included, I intend to dispatch a police unit to their local office and demand they remove my number (pays being married to a cop!).  I'm sick of all the calls, all day long, and late at night, and for over 2 weeks now.  If they continue, I guess I will begin my own harrassment campaign as hell hath no fury like me when I am losing sleep by constant phone ringing.I've asked them to remove me from their list as they are contacting me by mistake, at all hours, yet I got the same response as the person above in that "the computer was down, and they could not help me."Perhaps if everyone began reporting them to the FTC, they may get the message.  Sounds like they're already in trouble anyway.

323-372-6320

20 Report Long ago Unknown
I am receiving daily calls from this number and I found out that they are collection agency. I tried to call them back and ask for their address, but they refused to give it to me and were extremely rude.

323-372-6320

20 Report Long ago Unknown
THIS # calls me atleast 2-3 times daily at all hours and at weird timesthey never leave a msg or give me any info as to why their calling.. I GUESS ITS JUST TOO IRRITATE ME!!!!

323-372-6320

20 Report Long ago Unknown
yes it has they are calling for my dad and asked if i knew him i have no idea how they got my number oppose to my dads digits

323-372-6320

20 Report Long ago Unknown
I got a call from this number to. Asking for a Gary Ingrassia. When I asked who it was, they replied don't worry about it, if you don't know who he is.

323-372-6320

20 Report Long ago Unknown
I received call today from this number.  Asking for George Guyagus... told him wrong number and he asked if I knew someone by that name.  Happen to anyone else?

323-372-6320

20 Report Long ago Unknown
This number plagues me too.  It started two days ago and when I answer, no one says a word and then finally hangs up.  They are actually calling an unlisted private work phone number and doing it at all hours.  Why can't something be done about this?

323-372-6320

20 Report Long ago Unknown
keep calling asking for some one who does not live i keep telling them thati did put my phone number on do not call list but they still keep call what am i to do to have these people stop calling my home.

323-372-6320

20 Report Long ago Unknown
I just got this call from this Number this morning. 323-372-6320. From what I looked up, it is a central Los Angeles area. I live in SC. They must have been calling very early considering the fact that I'm 3 hours ahead. I hate getting early calls when I have a hangover

323-372-6320

20 Report Long ago Unknown
This number keeps calling my cell phone.  At least daily for the last two weeks, sometimes twice a day.  They never leave a message.   I finally answered yesterday and they asked for me by name.  I asked what was it in reference to and the girl said it was "Chrissy" (or that's what it sounded like...no way anyone with her accent was named that) and it was with regards to my personal finances.  I asked again what it was in reference to and she said is this Eddie.  I said yes.  Then she didn't believe me and asked was I sure.  I finally said "yes, this is Eddie, now why are you calling MY phone and asking ME questions?".She hung up.  Someone called back again this morning, I ignored it.

323-372-6320

20 Report Long ago Unknown
I keep getting calls from this number too.  They do not leave a message.  Luckily I used my old cell phone number and am cancelling this shortly, but this is quite annoying.

323-372-6320

20 Report Long ago Unknown
I would like to report abuse from the following # 323-372-6320

323-372-6320

20 Report Long ago Unknown
Keep getting calls from this number, but no idea who it is or what they want. They do not speak when someone answers the phone and if the answering machine picks up nobody leaves a message

323-372-6320

20 Report Long ago Unknown
I have been getting these same calls. I also have a bill with Direct TV that  I am refusing to pay, I told them to cancel my account and it was 65.00 per month. They did that, now I am getting calls saying I owe 170.00! I don't know why they keep calling and hanging up on me. This is harrassment!

323-372-6320

20 Report Long ago Unknown
This is a collection agency, for DirectTV, and other companies.There are some 36 pages of complaints against this company.  Put in your address bar " Complaints against Direct TV" to read all these complaints.  It appears that they come under a manapoly ASC or ASI. Chect this one out!Lee

323-372-6320

20 Report Long ago Unknown
Allied Interste, is a collection company!.  It appears that they, like hundreds of others come under ACI. If ACI is an unidenfidable company, they they have a really bad name!  I printed out 36 pages of complaints on this company, listing DirectTV. DirectTV was sued for failure to "Do Not Call.  Telemarketers were ordered to pay  $75,000.00. Again, Direct TV was fined $5 million for Do-not call violations. DirectTV abandons Satellite intternet Plans, and will pay millions in refunds, and reform Ad Practices.  The complaints go on & on 36 pages!  You should be able topull up these 36 pages of complaints. Put in complaints on your search engine, & click on go.  This company is harassing  people, failing to follow do not call laws, and harassing the elderly & disabled.    They tried this  pettyfogging act with me.  I changed my credit cardimmediately, filed a complaint with 5 pages of complaints with each credit bureau.  My next step in to file an action for fraudulant actions, abuse of the citizens, & some other charges. Writer

323-372-6320

20 Report Long ago Unknown
Well it's allied interstae collection agency, out of Columbus Ohio, they started to call me about 2 weeks after i filled for bankruptcy, so they said they were calling for Direct TV, some i did some research, the company i filled for in bankruptcy for direct tv was COLLECTECH SYTEMS and they to are out of Columbus Ohio,and they stop calling me after i filled for bankrptcy and  both copany's have same account number for me and both are for Direct tv, i belive the first one sold to the second one after the got noticed, i guess there trying to get away from my bankruptcy,,, NOT

323-372-6320

20 Report Long ago Unknown
They keep calling, but I have no idea what this is.

312-453-0975

19 Report Long ago Unknown
Got called at my home and cell one after the other.  Didn't answer the phone.  Very irritated they're calling my cell.  Signed up for the donotcall.com last week so hopefully that will kick in.

312-453-0975

19 Report Long ago Unknown
Same crap here.. It's incredibly RUDE for someone to call my house, ask for my wife, then literally hangup on me without providing any info. This has got to border on some sort of FTC or FCC violation? Anyone know?I will be adding this to my blacklist so they go straight to voice mail from now on.

312-453-0975

19 Report Long ago Unknown
Keeps calling. No message. I guess I will have to block this number!

312-453-0975

19 Report Long ago Unknown
They called me in the morning and claimed to provide me a FREE credit report . Then they asked for my information. I didn't.

312-453-0975

19 Report Long ago Unknown
Caller asked for my wife and would not leave a message or say why they were calling.

312-453-0975

19 Report Long ago Unknown
Thats funny, same thing happened to me - Voicemail with no messages.  I was trying to look up the number and found this site.  Anyone figure out whats going on?

312-453-0975

19 Report Long ago Unknown
I've received a call at my office from this number 2 days in a row.  Our work hours are 8:00-5:00 and this call came in both days at about 5:45.  I don't answer because I'm at the office trying to catch up after hours and not deal with the public.  The caller has not left a message.  

312-453-0975

19 Report Long ago Unknown
I got a call from this number today while at work, it went to voicemail. Heard noise in background like dishes rattling. I called the number back and automated system said thank you for calling world headquarters, please enter your 16 digit account number. Of course I didn't, just waited. They said please hold while I transfer you to the next available rewards representative. Heard phone dialing, then nothing. I tried from landline phone and my cell phone. I don't know, but I don't have a good feeling about this number.  

312-453-0975

19 Report Long ago Unknown
Caller did not leave msg

312-453-0975

19 Report Long ago Unknown
Been getting calls from this  number also.  No message.  

312-453-0975

19 Report Long ago Unknown
Stop answering these calls, my mother got her creadit card number stolen from this company they spent over $300, and now I am gettin phone calls from them! They called her saying they were mastercard aleady had the last digits of her card, her address and other information.

312-453-0975

19 Report Long ago Unknown
You have the right to file a complaint with the FCC and win monetary damages! DO NOT ERASE that vulgar voicemail! Send it to the FCC!

312-453-0975

19 Report Long ago Unknown
I've been receiving phone calls from this number lately. When it shows up on my caller ID I ignore it and let it go to voice mail; however, last time the number called my house the man on the other end of the line left a voice message that was, to put it nicely, revolting. He called me a b****. So, the next time the number called my house, I had my husband answer it. The person on the other end of the line was asking for me and wasn't very nice about it. The whole situation has freaked me out.

312-453-0975

19 Report Long ago Unknown
I pick up, say hello, no answer for 15 seconds or so, I am waiting for some sort of recorded sales pitch, then a live female says Hello?  Hello?  I don't say anything, because by then I am too suspicious to get involved with some sales pitch, but still curious to see what comes next. Then she says "Thank you for your time," kind of irritated, and hangs up.

312-453-0975

19 Report Long ago Unknown
Same here. I try to call back- get a disconnected number message.Registers as:Type: Land LineProvider: MCI Worldcom Communications IncLocation: Chicago, ILLand on Caller ID, says, "Elk Grove Village, IL"

312-453-0975

19 Report Long ago Unknown
same calls. don't know who it is.

312-453-0975

19 Report Long ago Unknown
The entire thing is irritating and how do they have both our cells and our home #'s?Seems like it has been sold by one of our credit cards or something.

312-453-0975

19 Report Long ago Unknown
Just received a phone call from this number for my daughter.  When I asked her if I could take a message, she told me she would call back another time "when she is home" but never asked when that would be.  When I just called the number back, it had an automated answering system that said: "Thank you for calling reward headquarters, please enter your 16 digit credit card information".

312-453-0975

19 Report Long ago Unknown
Someone is calling my cell phone. received four calls from this number so far. Never answered, and they hang up when the call goes to my voice mail. I figured it's nothing important but wanted to know who it is.

312-448-8658

4 Report Long ago Unknown
This number really sucks!

312-448-8658

4 Report Long ago Unknown
I keep receiving calls from this number too! So they just called again. I didn't answer. I decided to call it back. An operator gets on and says the number is no longer in service. How can this be?Anybody else have this happen?

312-448-8658

4 Report Long ago Unknown
Same number called me this evening... no clue who it is. Ever since I switched to Comcast, I get dozens of unwanted calls that don't leave messages. Very annoying.

312-448-8658

4 Report Long ago Unknown
I see this number on my voice mail everyday... who the hell is it???

409-266-3655

6 Report Long ago Unknown
Same here... they've only left a message one and it was exactly that. These guys call me at least once a day.

409-266-3655

6 Report Long ago Unknown
Actually just checked the messages.  This was the 3rd time I got a call from this number.  This was the only time they left a message.  Stated they were from Time Warner Cable, calling to tell me about packages I "qualified" for.

409-266-3655

6 Report Long ago Unknown
Got a call from this number a few times.  Never answered, no messages were left.

409-266-3655

6 Report Long ago Unknown
got a phone call and I did not pickup but found that it's a collection agency.

409-266-3655

6 Report Long ago Unknown
Got a call, did not pickup

409-266-3655

6 Report Long ago Unknown
Didn't recognize the number... immediately ended the call

978-686-2255

456 Report Long ago Unknown
Thanks Jay for your commentary. But, from what I see happened to you when you did pay Zwiker, I wouldn't have paid them at all. I don't want the IRS consequenses from the 1099 you could receive from your "gain" on making a settlement. From what I see, you are what is called judgement proof. Everybody who makes under a certain amount of income per year depending on your state, or is living on exempt income which includes social security, ssdi, 401Ks, IRAs, welfare, unemployment, etc. has the power to stop a collector or creditors from obtaining the judgement in the first place. Check with your local Legal Aid society and they should show you how to write a letter and send it to collectors and creditors by certified mail. This letter has to state certain things, such as the account ID and the fact that you do not dispute nor validate the actual debt, but that you cannot pay because of the particular type of income you receive, and you have no idea when this will change, but you will let them know. I learned this from my own legal aid society and it has stopped all creditors from pursuing me. There are a couple I missed and I had a default filed against me, but I answered it immediately in justice court. People do your homework and don't let these employees of Zwiker or collectors like them tell you that you are trying to get a free ride like I saw in some of these comments. I wouldn't call them scumbags, as they are just trying to do their job, but when I see that they say they are making 100K a year, and they go online to embarrass those who have fell on hard times, I just figure, they will find, Karma is a bi***!

978-686-2255

456 Report Long ago Unknown
I just want to step in here. Even though I was laid off last year, and my wife reached stage four Breast Cancer which basically precluded me from working so that I could take care of her, I still continued to find ways to pay my credit card bills. BUT, all of the companies then, for no apparent reason other than greed, raised the interest rates sky high. At that point, it became nonsensical for my to beat my head against the way and continue to pay, as the principal never decreased, and in fact began to increase. I say, let them come. I am now on Social Security, which they can't take, and living off my small remaining IRA's, which I am pretty sure they can't touch, and live in Florida, with a Homesteaded house that they can't touch. Any other money I have, I keep in cash. OH, and by the way, I did settle one large debt last year, only to find that I am gonna get a 1099 for the amount the debt was decreased, which is gonna cause trouble at income tax time. Frankly, I would rather owe these guys than the Federal Government.Oh, the one settlement I made was with Zwicker. They JUMPED at 40 cents on the dollar. Anyone interested should offer 30 cents and see what happens.

978-686-2255

456 Report Long ago Unknown
your lucky if your debt relief company stepped in.  How did your case go.  I was working with a debt relief company and as soon as I told them i was given a summons -- they said they cant represent me in court -- even though they are a legal firm.  but they said they will continue to negotiate up until the court date.   Sort of upset with my debt relieft company because they were working this debt for 2 years.  I had cancer and because of medical bills and because I wanted to be out of debt before I passed away, i turned over some of my credit cards to two different settlement companies.  I did two companies because they settle one debt at a time.  I needed to sets of debts to be negotatiated in parallel so that I could get these paid off by end of 2012.   Just wanted to know how your case went.  I'm hoping they dont actually file....

978-686-2255

456 Report Long ago Unknown
I just received a phone call from them and told them that they need to contact my debt relieve company. I was paying my credit card bill with no problem and then the credit card company jacked up the interest rate and then I couldnt afford it. I always paid my bills, with the economic down turn things are tight. I sent countless correspondence to the credit card company explaining the situation and to contact the debt relieve company. I see that they never did. It is a loop that nevers ends. Even if this goes to court or settles out of court any judge will see that I handled it the right way. I have all the paperwork showing that money comes out of my checking acct and is put aside to pay the debt. I even have points of contact with the debt relieve company who will fight for me.

978-686-2255

456 Report Long ago Unknown
I applied for Capital One credit card yesterday and these guys somewhere hacking the phone information from them. I got a call from this number and they left a message asking for someone else for debt collection. just added this number to my screening list. So guys keep enjoying call my number..

978-686-2255

456 Report Long ago Unknown
WHEN YOU FILE COMPLAINTS WITH THE STATE ATTORNEY GENERALS - MAKE SURE TO INCLUDE THIS THREAD -The employees continued ILLEGAL HARRASSMENT needs to be brought to the attention of the Attorney Generals you report them to Your file with YOUR State Attorney General as well as Massachussets Attorney GeneralLink to all State Attorney General Websites www.naag.org

978-686-2255

456 Report Long ago Unknown
If you have a suit pending with them you should print screen shots of this to take to court.  WHAT THESE UNEDUCATED MORONS FAIL TO REALIZE IS THAT THEIR IP ADDRESS WAS NOTED WHEN THEY POSTED.  IF THEY WERE DUMB ENOUGH TO POST AT WORK, YOU CAN PROVE THEIR HARASSMENT TACTICS.

978-686-2255

456 Report Long ago Unknown
Why are employees of Zwicker & Associates allowed to post on this site?Disinformation is key to collection agencies ability to sign on new contracts and new clients.  Not being able to pay past due accounts which have been given to collection agencies is a fact of this economy.  This industry is very poorly regulated so false legal demands are a daily practice.  Do not waste your emotional energy on this collection agency's calls.  Simply note the number if you are fortunate to have caller ID, time and date and do not answer the phone call. In my case, they are trying to collect a debt from a stolen Visa Credit Card which the ring of theives are now serving Federal Time in West Virgina. The Secret Service and Federal Victims Notification was not enough for Zwicker and Associates to stop calling.  No documentation has stopped Zwicker from calling. No certified letters demanding the calls to stop has helped.  Simply do not answer their calls.  It is your phone  - not theirs!

978-686-2255

456 Report Long ago Unknown
You defend a collection agency because you work for them. If you truly are in the colection field then you know there are not many out there that are above board and follow federal and state laws. In fact if consumers do there research there are numerous ways to get JDB(Junk Debt Buyers) to stop calling by law. More cases are won by JDB by ther consumer not showing up in court. Send them a validation letter, make them prove you owe, the burden of proof is on them, 90% of the time they cannot either because it has been passed around to so many JDB's that there is no more paperwork or they are trying to collect on a debt that is out of statue of limitations. As stated below yes you may owe the debt but people can still be treated with respect, which is something that employees in the collection business do not know anything about. Defend them if you will but look at all the law suits filed and won against JDB's for violation of state and federal laws. So you may be one of the ones trying to do your job professionally but there are 1000s more whom skirt the laws and are disrespectful. Consumers please do your research, every thing you need to know and do is on the web.

978-686-2255

456 Report Long ago Unknown
Yay if they keep doing it file harasment against them. My son is 15 yrs old and says yal bicer more than a cupple of hens. I mean instead of argueing and bicering why don't yall just work together on finding resolutions for your problems. The lawferm shouldn't act like but to everyone, but on the other hand we have no idea what kind of a day each of them had a person can just take so much crap  before they blow up on the next person the call. Instaed of ignoring the harrasing calls and causing more tension answer the phone explain your situation pleed for simpathy and hope they'll work with you to solve this problem, if and only if after showing your kindness to them and asking for they're help they still act like snobs and refuse to work with you, then and only then do you have the right to bicer. Plaes dont complement on my spelling i know its atroshus, i hate it when eople have to coment on spelling and say something negative about it. It means that they have nothing beter to say to diffend their arguement they just have to complain about something, and make a negative statement.

978-686-2255

456 Report Long ago Unknown
it funny that employes of zig znd dig are on here posting to cover there a***s lolol.you must not be that good yea people owe and most people pay.but whem you harrass someone they will take there ever loving time to pay

978-686-2255

456 Report Long ago Unknown
hey mike. as for the calls zwa gives to you - what may be the case is the consumer we are calling had your number prior to you, therefore you may have many calls from alot of places for this man or woman. we have the last known number there is where you get the calls. what i do is take out the number while i am still on the phone being told it is the wrong number and we take it out of the system. if the individual has more than one file that later comesa in then it may happen again but not likely. but the number will get taken out. i get calls at my house all the time but i know that it is due to i have a recycled number. it sucks.

978-686-2255

456 Report Long ago Unknown
mike - 13 Jan 2009I have been getting threating phone calls from this agency for two months..And they are looking for someone else.. yet continually call me.......They are rude and refuse to take my phone number out of the file to stop calls....Anyone know what can be done?Don't forget that your number came from someone no one pulled it out of thin air.  Believe it or not, many people put in false numbers when they apply for credit.  Also depending on how long the card member has had the account opened, it may have been a number they had when account was open. More times than not if it is not you they are looking for it will be removed.  Also remember that a lot of people that owe money lie about numbers just to stop calls.  So when we do a reverse search if a phone company still has it listed as a number for the person they are looking for, it wont be removed.

978-686-2255

456 Report Long ago Unknown
I have been getting threating phone calls from this agency for two months..And they are looking for someone else.. yet continually call me.......They are rude and refuse to take my phone number out of the file to stop calls....Anyone know what can be done?

978-686-2255

456 Report Long ago Unknown
These loons have been calling me day and night for WEEKS. I dunno about Amex (I can't afford their credit cards haha), but I do have some defaulted student loans from the harpy known as Sallie Mae (who is in SO much crap from the government right now, they're panicking and it's hilarious!). All of my other debts are being paid slowly but surely, and their creditors are working patiently with me, even it's only $20 at a time. So I have NO clue what money they think I "owe" them. But I've gotten to the point with harassing phone calls that I've started getting mean right back. Isn't it funny how legit companies like NCO Financial will take my tiny payments and give me a pat on the head on my credit report, but scum like Sallie Mae has henchmen to harass you day and night? So I'm relaxing tonight, finally a night off (I work overnight), and the phone rings. It's this number -again-. I decide to answer it. Silence. More silence. "Hello? Helloooooo?"Finally,: "Yes, is this Sheeshawna?" (Can't say my name? Now I really don't wanna talk to you.)Me: "Who's this please?""This is Mr. Wilson." Very rude, very blunt."...Frooooom?" The number always shows up as No Name. "Zwicker and Associates Law Firm.""Ah, I see. You do realize that it's almost 9 o'clock, don't you?""So??""So unless you're a lawyer in Vegas, all other law firms close at 5. Good night!" -click-I'm not that dumb. I'm not going to give money to whatever nut calls in asking for it. I don't even do that to telemarketer "charity" programs. But I do know business hours and some basic laws. I live in a state where they can't garnish me, and I have no assets. I have no car, no home, and even my very modest engagement ring is just silver. They say they want to take me to court. I say go for it, babe. You can't be arrested for your debts, and unless they can prove I owe them money, they've got nothing, and all the people I honestly owe money to I'm working with directly. Not their henchmen. Should you be afraid? No. Nunzio and Guido can't do anything to you, especially over the phone. If you ask for paperwork, you'll never get it. If you ask for names, numbers and dates, you'll get mumbled answers and numbers that go in circles. You'll see fuzzy math. But all they can do is threaten and bully and pray that they scare you enough to get you to fork over your money. It's just like being mugged on a street corner, but over the phone. And your money will never go to the people they "represent" because of that fuzzy math. Should you be wary? Unquestionably. The best way to do this is to get a copy of your credit report, either online or from your banker. A good credit report will tell you who claims you owe them money, which companies have called in to say "good job! You pay your debts," even if it's a collections agency (not all of them are scum!). It will also tell you which collections agencies have looked in on your credit history and which ones are currently collecting from you, and the company they represent. Example, in college I was a dumb kid and ran up a small credit card. But I had no job and no money, so it defaulted. The bank that owned the account sold my file to NCO Collections, whom I make payments to to get it paid off. The credit report shows the bank and that their file on me closed, and that NCO collects from me to pay the bank back. See? Not so scary or hard as it seems. But look through carefully and you'll find nothing from this bogus attorney firm. So now that you're armed with the truth, remember that they are scum and will play dirty, so if you have assets, protect them. Is your car paid for? Are you the only one listed on your home's title? What are your state's laws on garnishing wages? These are important things to inform yourself about. If after looking on your credit report you find nothing to link you to them, ask your banker or family lawyer what is the best way to get them to leave you alone or to defend yourself from them. Not all problems will go away if you ignore them. But in those cases, arming yourself with the truth and being prepared for a fight will usually carry you through a lot better than it will them. Good luck and remember, don't be afraid!

978-686-2255

456 Report Long ago Unknown
I have several missed calls from this number on my cell phone. I finally decided to call it back, and after several rude employees, I got a supervisor who could not explain where they got my number or why they were calling me. I demanded that they remove it from their "list" and dared them to call me again. I'll be mailing my cell phone bill to them to pay!!

978-686-2255

456 Report Long ago Unknown
its against the law to call you at work even on your cell phone talked to an atty about this

978-686-2255

456 Report Long ago Unknown
I am not an employee with Zwicker. I hate these evil, wicked people. I truly believe they do the devil's work. I'm not overstating that -- they are truly wicked. There is only one thing they care about, and that is greed. Unfortunately, what several posters have said here is correct -- I was sued by Zwicker & Associates after defaulting on a credit card due to extreme financial hardships that I never expected could ever happen to me. I was a perfect customer for this credit card company for years, then they sicked these vile predators on me. Sued, got a garnishment against me without me even knowing what was going on, then sought garnishment for my wages. Were going to take three full paychecks, then 25 percent of every check after the fact. When they learned they couldn't harass me and terrify me, they started repeatedly called my boss. Truly devastating. I'm now fighting them in court and the court seems to be giving them a lot of breaks. I think the whole system is fixed by greedy civil lawyers. I'm in the process of organizing people to perform protests at their individual offices across the country. I'll post more when I get it all together. Someone has to stand up to these people -- they are literally harassing millions with no compassion and ruthless tactics. They are what are known as zombie debt collectors. Beware and as soon as you hear from them, I am telling you right now: hire an attorney, even if you can't afford one. I tried to deal with them within reason given my situation, and all they want is every dollar you make.

978-686-2255

456 Report Long ago Unknown
Your cant file bankruptcy on a student loan...You might want to seek legal advice...Best Wishes

978-686-2255

456 Report Long ago Unknown
you have 2 different student loans out federal portion and a private portion your federal taxes went towards your federal loan and not towards the private portion which is going unpaid so yes you do need to call

978-686-2255

456 Report Long ago Unknown
I had to change my number because they would call everyday.  I never pick up. I can only assume it is because of my messed up student loan thanks to my school.  I didn't know I had two student loans instead of one.  I filed for bankruptcy and finished paying off my chapter 13, and now they are calling me non-stop. The IRS went after me to pay taxes on the one loan because bankruptcy took care of that, and I am now paying my government loan. So why are these people calling me?  Should I worry?

978-686-2255

456 Report Long ago Unknown
They can not do anything if you do not owe them anything, ZA you are looking at the wrong place for the wrong person!

978-686-2255

456 Report Long ago Unknown
I was tryng to delete the material after "Please cite...." but didn't do it soon enough.  Text after that short paragraph may be confusing since I ran out of time to edit the comment.

978-686-2255

456 Report Long ago Unknown
I was tryng to delete the material after "Please cite...." but didn't do it soon enough.  Text after that short paragraph may be confusing since I ran out of time to edit the comment.

978-686-2255

456 Report Long ago Unknown
All debt collectors have the right to sue you for a debt, although corporations must use a lawyer after a mandatory wait time built into collections and banking laws, unless and action is taken in small claims court. It is a direct violation of the law that governs bill collection in my state , and lawsuits have  Most people who are legitimately unable to pay will be charged  little to nothing, although they may have extreme difficulty obtaining any credit for up to a decade.  If they take you to court it may be possible for them to apply to extend the time for collection beyond what is normally done, but the opportunity to do so is in only narrow windows.  But most offices don't even have a data system that will state uncorrupted for years in advance.It is best to assume nothing until you read your own state's laws, especially on garnishment, levies,  attachments., and bankruptcy.  In bankruptcy there is a choice between using the state or federal rules.  You cannot use both. The governing law binding debt collectors is the law of the debtor''s own state of residence not the law in the debt collector's state or the legal address credit card companies state.I strongly doubt your conclusion that an unsecured debt can be converted into a secure debt, other than we reference to recovering the items purchase on credit within the last year or two where they may exist a chattel claim.  Generally though lawyers don't bother with used goods.  It is not a profitable activity, especially with so many people in this economy trying to sell their own things to raise money.for living expenses, whether in a home, apartment, tent, or vehicle.Please cite the state and statute in your state that makes you thing the nature of a claim can be altered.in debt collection or related court hearings.I am curious.  Nothing like that is said in my state's laws.  I only researched the laws in my current state of residence and the one before that..Again please include the statute you think changes unservured  as opposed to one ripe for further action. The first court hearing merely establishes whether the credit has a debt at all.  Their may though be  may th first proceedng in court oes add weight, but thruthfully a credit card tha was approved over the phone may in some states ., beyond the time period, which I verofoed wotj a ;lawyer  fou .  The governningng law in collection is the state of residence of the debtor..  We don not currently have debtors prisons you k. depending on the state.ased depending on the state.I am reasonably certain the most damage a lawsuit in this case can do credit for up to ten years depending on the state, and a timely debt \\\\\\erious difficulty nothing, ddeending on the state who  and banking regulationsaThe payment plan nd banking  law.   but iall that enables is allowing the lawyer to request a separate hearing on what you can afford to pay.and ded  to pay after exempt income like Social Security is excluded upon timely application for the exclusions.  It doesn't guarantee payment of any kind.  There are even barriers in the banking system to protect two months of living exepnses nt of any kind, adn I am uaratee either the debt holder or the  seperate procedurbut what specific state are you referring to? I am nearly certain from having read my state's laws that yh\er except in small claims court, where neither side wants to pay the expense of a lawyer, often with uncertain outcomes.  .  typically has a lawyer.until the legal process has aged out, but in my state what you have said about that making it a secure debt is simply not true at least here is not really meaningful.  A second legal proceeding leaves it up to the judge and limits set in statute and federal banking regulations. Also any debt to the federal government takes absolute preference to private debt/znd federal banking regulations to whether or not the debt is collectible.  The maximum in my state is up to 25%% of income in excess of allowable living costs and child support payments. Only people who are not smart enough to fill out the exemptions form and prove supporting documents really need a lawyer in such matters for state courts, where the law is clear asupporting documents.  All of Social Security and a number of other forms of public payments are totally exempt from being incuded in that income calculation.  In most, if not all such cases where the

978-686-2255

456 Report Long ago Unknown
They may have attorneys in every state, but for those on Social Security or other exempt incomes such as Workers Comp, civil service, and in my state any pension, with assets also exempt and all assets less than what your state exempts all a lawyer can to is get court acknowledgment of a debt, but actually collecting anything in money or property is entirely up to a judge in a separate procedure, and can't exceed a fourth of income collectively in my state and is a junior debt when the IRS or other branches of the federal government are owed money.  It is furhter limited by federal banking regulations and statutes that protect claims for until the money in the account is twice the monthly living expenses, etc.Check you state's Court website.  Bankruptcy costs so much now that it can be cheaper to default and simply block the phone numbers used..  If you negotiate debt reduction, what is reduced become taxable income the next year., which can create a much more serious problem, since the IRS can take up to 50% of your income.

978-686-2255

456 Report Long ago Unknown
Shawn you are an idiot what turns what into a Judgment? "When they file suit against you for on behalf of the creditor it turns the judgment onto the debt making it SECURED and not unsecured." What "secures" this Judgment Go back to school and stop propagating fraud!

978-686-2255

456 Report Long ago Unknown
You my friend, are lying.  What you said is NOT true.  Look up the definition of secured/unsecured.  Simply filing suit does not make a debt secured, unless the defendant has pledged property against it.

978-686-2255

456 Report Long ago Unknown
very good reserch , a must to read the complaint , shows the corruption in the system of debt collection , i'm sure there is many more if not thousands of collection co. across the country screwing people like this . the time is coming for a revolution . power to the 99%

978-686-2255

456 Report Long ago Unknown
RIGHT AND WRONG Yes they SUE --  NO THEY CANNOT PROVE THE DEBT IS VALID AND OWED AND ONLY WIN WHEN THE PEOPLE THEY ARE SUING DO NOT SHOW UP.  They handle JUNK DEBT COLLECTIONS only - OLD WORTHLESS LEGALLY UNCOLLECTABLE DEBT.  Its beyond the statute of limitations and LEGALLY THEY CANNOT SUE.    They RE-AGE old SOL DEBTS and then file lawsuits based on BS..  Their pleadings NEVER STAND UP IN COURT WHEN DISPUTED  - ONLY WIN NO SHOW DEFAULT JUDGEMENTS. ALREADY UNDER INVESTIGATION BY NY ATTORNEY GENERAL for using "SEWER SERVICE" that ensures NO ONE KNOWS they are being SUED, so they get an AUTOMATIC DEFAULT JUDGEMENT. NY AG Throws Out 100,000 Default Judgments Against Consumers! « on: July 22, 2009, 10:23:57 am »ATTORNEY GENERAL CUOMO SUES TO THROW OUT OVER 100,000 FAULTY JUDGMENTS ENTERED AGAINST NEW YORK CONSUMERS IN NEXT STAGE OF DEBT COLLECTION INVESTIGATIONhttp://www.oag.state.ny.us/media_center/2009/july/pdfs/5015%20Suit.pdf37 Law Firms and Collectors Named in Lawsuit for Failing to Properly Notify New Yorkers Being Sued for Owing Debt

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456 Report Long ago Unknown
The previous reply was for sahs

978-686-2255

456 Report Long ago Unknown
WHO ARE YOU?? Do you work for this company? That is not true at all. Stop trying to scare people with your lies. Credit cards are unsecured debt and always will be. You cannot get it changed to secured debt, FOOL!

978-686-2255

456 Report Long ago Unknown
pllz call and tell me your going to garnish my wages i live in texas and thats a big nono down here so plzz call and tell me that lolololol

978-686-2255

456 Report Long ago Unknown
Sure we are all mad at the banks for receiving TARP funds. Shame on them for sucking up the taxpayers money.  Maybe they would not be in a world of hurt if THEY treated their customers with dignity and respect instead of changing the terms of our cardholder agreements whenever they feel like it.  They can still be profitable if they charged a 'reasonable' interest rate. By the time the collectors get the account, the interest is around 25% and most of the balance is interest.  When you validate why dont you break down what is principal and what is interest? Because its too embarassing for you to do so, that's why!!  We are taxpaying fools to vote the reps in that voted to give the banks the money and allow them to continue their unscrupulous acts against consumers.  The banks are profitable against the backs of consumers!!!

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456 Report Long ago Unknown
Well,  I am aware of the Corporations, how hey got their money.  I know that they spend millions in to the Political Coppers.  Not to mention legal insider trading that when they leave office makes them millionares.  I have enjoyed your conversation and blunt honesty

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456 Report Long ago Unknown
Lynn Shut the hell up!! "your President couldn't Exist if he didn't get His debt ceiling raised just two months ago" Genius YOU wouldn't exist if he didn't raise the debt ceiling...what was he supposed to do? Let the country DEFAULT on its debt..just because you owe 50k in credits have a first and a second mortgage under foreclosure and your car was just repoed doesn't mean every should not pay there bills! GET A JOB MORON!!! Would you work for free...that is EXACTLY what you are telling millions of Federal Employees by not raising the debt ceiling THE US HAS NO FUNDS TO MAKE PAYROLL! D***hit! Stop Obama bashing and use your head for more than giving head!

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456 Report Long ago Unknown
What do you want to be when you grow up ?"Cause if it wasn't for Debt, you wouldn't have a job, your President couldn't Exist if he didn't get His debt ceiling raised just two months ago and NOW he says The Government can default again if Spending is held at bay !  WHO PREACHES BORROW BORROW BORROW ?  My Generation was taugh to pay as you go ! And kiddo, [people like you making $100,000 a year off other people misery}wouldn't have a job and would be standing in the unemployment line with the rest of us down on ou luck Americans !

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456 Report Long ago Unknown
Gee if this were the ONLY BAILOUT Banks have takenYou Might have a leg to stand on  but the fact of the matter is, Banks do this Risky investing thing all the time and they have been bailed out repeatedly over the years  AND it had nothing to do with Bush, and this seems to be common practise for them . they Just can't seem to get it right and We like the Sheep that we are, Let Our Government keep doleing out money to these Crooks  and Probably getting Kick backs for their part in the SCAM ~

978-686-2255

456 Report Long ago Unknown
Yeah but come on now if it wasn't for people and their debt you wouldn't be on that top floor. So it's not about some moral crusade to get those people that don't pay their bills. Let's tell the truth now and admit that's it's an oppotunity to take advantage of all that profit! It's smart business LOL

978-686-2255

456 Report Long ago Unknown
You almost had me with your allegories and seemingly openhearted story.  All the way until you said “ I understand a lot of people are mad that banks have been getting government bail outs, they wouldn't need them if everyone paid their bills either”.  Oh boy!Now I see where you are coming from and how well you have been brainwashed!I do not know whether to pity you or ask that you be made to pay at the altar of society with total personal ruin and complete demoralization.What I am going to say next is going to meet your hardened resistance to anything in your mind that has been put there to make you the misguided and deluded person you are.  The economic disaster that we are trying to survive has been put there by the “corporate” “capitalist” organizations of the world.  I know that this is big, it certainly is!  This was accomplished through the machinations of these huge corporations in their endless enterprise to earn more, pay more, get more and have more.  The officers, directors and executives of these corporations were paid exorbitant salaries and huge benefit packages in order to amass “no holds barred” immense fortunes for their employers.It worked.  Well for some (few) for a while anyway. Then the “chickens came home to roost” and brought with them all the hardships and difficulties the corporations were so facially avoiding.  What eventually dislodged the “keystone”?   Hmm.  Okay, this is way beyond the scope of this missive, but does Enron, Worldcom, etc ring a bell.  The precursory missteps and stumbles of the corporate giants during the few years before the current disaster.  The 2001 events that seemed to propel the present economic downfall.The stock market tumbling and falling.  Finally, no longer could you “borrow from Peter to pay Paul”.  During these last few years, corporate heads were paid exceedingly high while the nation and the world was arriving at the present dreadful economic situation.  These corporate leaders even celebrated themselves and the benefits they derived during the approaching disaster.So now let us blame the poor sap in Sadsack, Alabama for the current financial disaster.  Yeah that’s it, the guy with the mortgage, car-loan, household expenses, etc.  He caused this, he is to blame.  After all, now he doesn’t pay some of his bills.  He tricked the corporate world.  He fooled the mortgage, credit, loan companies and banks.  That wily, clever guy, how did he do it?Okay, here goes, I worked for one of these huge corporations in NYC.  Ooops.  Yep, me and my cushy job on the 32nd floor office on Park Avenue, sitting in front of a plethora of computers and financial information delivery machines.  Did I see this coming, well to a certain extent, yeah.  Take a rubber band and try to stretch it beyond its means and see what happens.  Culpability on my part?  Well yes and no.  I was a mini-micro cog in this huge worldwide wheel.  I could object but my superiors were economists, lawyers, CPA’s, finance experts most with Phd’s, all put there by the guy on the top floor of the corporate headquarters.  True I could have quit or transferred, but I stayed on till the end.Well there you have it, sir!  I hate to tumble someone’s cheese barrel, but the facts are the facts.  So go on slam those indebted individuals.  Tighten the screws, torture and threaten them turn them inside out and give them a spin for good measure.  After all you are just doing your job!

978-686-2255

456 Report Long ago Unknown
What's they lowest they will take on a settlement.

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456 Report Long ago Unknown
Rating: +1 Vera - 25 Mar 2009Although it is true you can be sued by a debt collector (such as Zwicker and Assocates who both buys debts and also directly represents creditors), they cannot turn an unsecured debt into a secured one. I am a legal assistant for my attorney husband who represents consumers in debt collection defense/violations in Florida. Judgements are neither unsecured nor secured and the ability of the holder to collect is completely dependent on the laws of state the suit was brought in. Some states allow garnishment, liens, forced sale of property, etc., and some do not. Florida, for example, disallows judgement collections against homesteads, retirement income, social security or disability, or heads of households. This might sound picky, but it's an important legal distinction. I would urge anyone being collected upon to seek legal advice and representation. There are often legal defenses available, and some lawyers will take cases on contingency since they often recover fees from the other side. See guys like Bud Hibbs (not an attorney but a plethora of great information) at www.budhibbs.com or National Association of Consumer Advocates at www.naca.net for an attorney in your state and area. Don't give up, seek advice and fight.Please if you are going to do research do it all.  Zwicker and Associates, P.C., is NOT a debt buyer.  Hired direct from clients. Also on a personal note.  Bud Hibbs in an idiot.  No offense to anyone.  Just like debt managment companies, anyone that just says to stop paying your bills, is misinforming consumers.  It hurts in the long run a lot more than it helps. Debts tend not to go away, unless balance/settlment is paid, very extreme hardship, or death.  Very few people in the view of how many people owe debts, are actually judgment proof, or even able to win in court against a debt that has been validated.  I do believe people should seek financial and/or legal advice on their debts.  I believe you should get it validated.  I also believe that no one should commit to making payments that are out of their financial ability.  Making payments you cannot committ to will make you look bad when they bounce.  Even if your creditors say it's not high enough, mail it in.  It only looks better on you when and if you are sued.  I'm not an evil bill collector.  I rather enjoy my job actually.  I have VERY many people that thank me, have cried on the phone, and wrote letters to my company giving me praises.  I believe people should be treated with some dignety and respect.  It is a very hard world right now in the sense of survival.  We have a job to do.  I can only try and help those that are struggling a little more than myself.  Remember though sometimes it is hard to want to help someone with 3BMW's, 2.5 MILLION dollar home, president or owner of one or more business', and claiming he can only afford 40% of his $90,000.00 dollar account.  Yet we set up the payment, and he has over $200,000.00 in their PERSONAL not BUSINESS but PERSONAL checking account.  I weed them out, and I am not mean.  Firm, state my business, what could possibly happen to these people, give figures that can resolve, work on an arrangment that works for them as well as my client, and they make the decision on what to do from there.  I am not mean but if you were to lend me $10,000.00 would you let me pay it back $50 dollars a month?  Didnt think so.  I understand alot of people are mad that banks have been getting government bail outs, they wouldn't need them if everyone paid their bills either. Remember that it's not just you.  If you want your creditor to forgive your balance, don't forget you are one individual asking, but so are the other Trillion people that feel the exact same way about their debts.  Thanks

978-686-2255

456 Report Long ago Unknown
Although it is true you can be sued by a debt collector (such as Zwicker and Assocates who both buys debts and also directly represents creditors), they cannot turn an unsecured debt into a secured one. I am a legal assistant for my attorney husband who represents consumers in debt collection defense/violations in Florida. Judgements are neither unsecured nor secured and the ability of the holder to collect is completely dependent on the laws of state the suit was brought in. Some states allow garnishment, liens, forced sale of property, etc., and some do not. Florida, for example, disallows judgement collections against homesteads, retirement income, social security or disability, or heads of households. This might sound picky, but it's an important legal distinction. I would urge anyone being collected upon to seek legal advice and representation. There are often legal defenses available, and some lawyers will take cases on contingency since they often recover fees from the other side. See guys like Bud Hibbs (not an attorney but a plethora of great information) at www.budhibbs.com or National Association of Consumer Advocates at www.naca.net for an attorney in your state and area. Don't give up, seek advice and fight.

978-686-2255

456 Report Long ago Unknown
EXACTLY, they have done all the work for you , you have no wer to go but " UP " they have already screwed your life up and that way YOUR attorney will keep them from getting your head  all screwed upas well as your bank accounts ! ~ leaches ~

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456 Report Long ago Unknown
I work,  60 plus hours per week.  Thank you for your Christian judgments.

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456 Report Long ago Unknown
Kate  I  Hope you never get in the situation of having No income and using everything you have saved for 20yrs to keep it all together. Rarely is anyone Proud of filing Bankruptcy. Granted There are a few who would do it over and over again, Thus the "reform" that made it really hard for those that need to file. I must be a Dead Beat, Cause I own a Business and Will have to file Bankruptcy, because Creditors think that theirs is the Only debt and that it must be paid before all else. Told couple of them sell the equipment and Force me to file Bankruptcy, May take them about 2 to 6 months to get their equipment. File bankruptcy and put 4 other people on unemployment and watch them go down the tubes because they can no longer make their bills. By the way, do you want to loan me the $1000+ that it costs to file Bankruptcy, I'm a little short on money.

978-686-2255

456 Report Long ago Unknown
Kate,You sound like you have a pole up somewhere. You are quick to judge & comment, is your life perfect? If so you're the only one. Though not in debt I struggle everyday to have the finances to pay bills & enjoy life. For 1/3 of the country that is laid off or otherwise not working it is not so easy. You need to back off & quite accusing people of being deadbeats for not paying bills. For some people it maybe down to do I eat or do I bill my bills? I think the choice in that case is obvious. Life throws curveballs that you can not plan for no matter how much you think you are prepared. Most people would not like to be in the situation they are in but that is what was handed to them. As you said those who live in glass houses. So unless you have never made a mistake in your life, you have no need to make such comments. Some day forbid, you may find yourself in a similar situation & so may I. Pray that day never come but you never know. If it does I hope you remember how quick your were to judge others & that you do not post looking for sympathy.

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456 Report Long ago Unknown
I am in the same boat.  I am trying, trying, trying.  To no avail.  Just when I think I've got my head above water... down again.  I swear, if it's not one thing, it's another.  And the bills just keep rolling in.  My gas line has a leak this week, what's next?  Another 400 bucks down the tube.  That was my car payment.

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456 Report Long ago Unknown
I am right there with you BROKE! I too am one of those deadbeats that can't pay their credit card debt. I never set out to not pay back my credit card debt, but that is where I have found myself. Jobless, and unable to pay the debt owed. Now I have to file bankruptcy.

978-686-2255

456 Report Long ago Unknown
FUUUUUUUUU tooooooo why should we have to sell something beacuse we are trying? have you? all the complainets are for the practices that you do not beacuse we have to pay the bill but beacuse you have the odasity to tell us that we re dead beats you have not walked in our shoes and have not gone throught the nasty practices thet you sink to so again shut the Fuuuuuuuuuuuu up

978-686-2255

456 Report Long ago Unknown
Why do you think you have the answers?  What do you suggest for the person who has already lost their jobs - one due to 911 because it was a job in the aerospace industry, next one because it was in the construction industry as that industry started going south and next one because the economy went south.due to house, who has sold everything they own, including any clothes off their back that is not absolutely necessary, has lost their home and was lucky enough that someone allowed them to put their bed in their unfinished basement (one small window, no bathroom, no kitchen, lots of spiders and bugs), spent ALL of their savings- which was btw arrearages from child support that took 18 years to get  - and not all of it was collected - on paying bills, most of them exceedingly high because it was catch up from the divorce and having lost jobs (see above) AND because the CREDIT CARD COMPANY WOULDN''T APPLY THE CREDIT CARD INSURANCE THAT I HAD PAID SO THAT I _WOULD_ BE COVERED IN THE EVENT THAT I HAD THE MISFORTUNE OF LOOSING MY JOB!!!! There's more but unless you are really dense - or maybe if you are King Solomon (which you aren't), you have no business judging people or telling them what to do or how to do it unless you have walked in their shoes.  No one does.

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456 Report Long ago Unknown
well to the employe of zick an dick whos having a hard time,1 of your fellow workes posted he or she makes 100k a yr why you not making that much,my wife and i make over a 100k a yr but i was off work 2 yrs due to surgery 3 of them,trying to catch up best we can,but when you call hear and make threats i laugh cause your trying to be a phone tough guy lolol.i pay what i can when i can ill get it done in time but it will be on my time ,not yours

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456 Report Long ago Unknown
Hey there employee of Zwicker and ASSociates, I have(NO) sympathy for you and am thinking that it should be you who is going to school in addition to your wife - elementary school that is, to learn how to spell. Thanks for your post though, since if you are a representative employee of this "law firm", then I for one, am not concerned one bit. They obviously hire poorly educated individuals such as you to do their phone harassment. I hope you are never in a predicament like many people here. Shame on you.

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456 Report Long ago Unknown
AMEN TO THAT. THE RICH PEOPLE IN THIS WORLD FORGET WHO SUPPORTS EVERY BODY.THE MIDDLE CLASS SUPPORTS ALL!!!! THIS INCLUDES THE GREADY RICH AND PEOPLE WHO ARE POORER THAN US. WE MIDDLE CLASS TAKE THE BRUNT OF EVERYTHING.

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456 Report Long ago Unknown
First of all. This is unsecured debt, that was given to you based on wages that people use to make. Selling a house in this market doesn't work, then you certainly couldn't qualify for another one. If bankruptcy is the way to go - then let all the creditors go down with it. The RICH RICH folks love to steal, cheat and lie. Don't be deceived....

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456 Report Long ago Unknown
im an employee at zwicker and associates broke. i sympathize with the people i call. i try to set them up on low monthly payments.i try to educate them on the importance of getting something set up on there accounts in a timely manor before the do possibly get sued. sometimes people just dont get it. maybe you need to sell your house move into something a little cheaper. maybe sell a car. thats just the way the cookie crumbles. hey, im having rough times myself i have kids and my wife goes to school. thats is exactly why i dont live above my means. i suggest you people that dont want to or even at least try to pay there bills better sell something or pick up a second job and quit crying about the economy. i could be calling you next. talk to you soon.

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456 Report Long ago Unknown
Well, I'm one of those scumbags that can't pay my credit card bills. I am paying my mortgage, car and utilities though. Oh! and my attorney, because I am declaring bankruptcy. So Zwicker and Associates will have to write me off.  If I had the money they want paid in full I would have paid it before it ever got to this. You all sound so harsh, it just confirms; to me anyway, that I have made the right decision. I understand responsibility but sometimes in this life you're hit with problems that are beyond your control and not everyone has money to save for a rainy day because most families live from paycheck to paycheck. To those of you in the same boat, you have my understanding and sympathy and to those of you who aren't God bless and I hope you never get here.

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456 Report Long ago Unknown
sounds like you have done this your self. I am sure you are very proud as well as your family. Bankruptcy should be for people who need real help not dead beats.

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456 Report Long ago Unknown
It is a private student loan and can be discharged.  If it is a government back student loan then it can not.I have an attorneys appoint ment,  This is what I have read.  I will make clarification.

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456 Report Long ago Unknown
Unless it is a student loan...You cant file bankruptcy on a student loan

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456 Report Long ago Unknown
I'm sure someone from Zwicker wrote this unsecured debt can't be changed to secured debt. The best way to go is Bankruptcy then no-one can do anything.

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456 Report Long ago Unknown
Let me know about the class action lawsuit too!!! I have been harrassed by these scums for several months on a Discover card issue.  I, too, lost my job over a year ago and have not been able to pay bills the way I did when I actually had an income.  So I want in on the class action lawsuit, as Zwicker is claiming that I have failed to respond to their threats, when I have copies of all of the written correspondence to them.

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456 Report Long ago Unknown
I have a loan with sallie Mae  unfortunately, And I have an account with Zwicker and associates.I am thinking about filing bankruptcy.  Sallie Mae said they can not be discharged.  I don't think so.Let me know who do I contact for the class action law suit.sheldon

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456 Report Long ago Unknown
I have docs that third party debt collectors can not answer and always default on. If you need further assistance I can help... thanks!

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456 Report Long ago Unknown
You really should tak a look at the banking institution dear, we have already bailed these DUDES out~ what you mean we are deadbeats ? how about  Chase, Bank of America, Darlin you are unreal ~ calling the people out when Banks have been bailed ot repeatedly for over 50 years Do your Homework we have given more to the Banking industry than they could or EVEN CARE TO EVER REPAY ~ YOU WANNA TALK ABOUT SLUS ? WHY DON'T YOU DO A LITTLE READING ON YOUR OWN AND STOP EMBARASS-ING YOURSELF !

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456 Report Long ago Unknown
You are pure scum for not paying what you owe.

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456 Report Long ago Unknown
I agree.. they just took $8150 out of my checking account for a credit card debt.... i bounced a bunch of checks and i have 4 kids to feed... i'm unemployed and these jerks took my last $8150.... now i'm getting kicked out of my apt. and my car is going to get repoed cause they took all my savings.... i'm screwed... i'm so mad at them... this isn't fair.. it's unsecured debt... what's up with this country that some scum bag lawyer can do this??? this isn't fair.....peace,Scott

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456 Report Long ago Unknown
Amen!! They were bailed out for sure! And we pay all these high taxes, high gas prices, our homes aren't worth anything and we can barely put food on table for our families. But these creeps hold special training to learn how to get every last penny out of those less fortunate. Where is Obama now with spread the wealth?

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456 Report Long ago Unknown
you must work for them , your stinkin paycheck written with our tax $$$ after your bail out . Let this stinkin gov. bail out us , after all that s*** head pres. and this corrupt corporate controlled gov. bailed out you .

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456 Report Long ago Unknown
YOU SNAP OUT OF IT KATE ~ when you lose your job and you hae to pay your bills out of thin air, we'll see who cries the loudest. Its really ruff on you guys who are so pampered with the Entitlement attitude that YOU DESERVE the finer things in life, When your world falls apart, I'll try not to laugh, KARMA is a mutha, remember that ~ I see you with Geitner's snarling sniveling face ~ you are one ugly woman ~ inside and out ~

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456 Report Long ago Unknown
snap out of it joe...you sound like a typical non payer, looking to blame everyone else for your poor financial management. Sallie Mae services millions of loans each year and a small percentage ends up in default and nin out of ten time it is the borrowers (meaning you)that has made the error, if you had paid on time like I do on my loans you would not be where you are. The co signer is not you, and it is your job to protect your good name and your finances not anyone else. Stop belly aching and pay up.

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456 Report Long ago Unknown
We cant be like the government either withour own personal money printer, now can we?!

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456 Report Long ago Unknown
you must be talking about citi bank , their scum sucking pigs , if you accept the program and if you don,t have the amount in the bank when they " auto withdraw " because of financial problems they charge back interest at a what i call an loan shark rate and late charges from the date of the agreement , and if you call to postpone the payment they tell you they will cancell the agreement . F*** them we " the taxpayer " bailed out their a***s and as far as i'm concerned were even and not paying any more to these government sponsered gangsters and i hope to start seeing some of them in the headlines " found on road DEAD !!!!!

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456 Report Long ago Unknown
You're responsible for balances charged, late fees, interest, finance charges, penalties.Yep, agree I am responsible for the money/items I bought, Yep I have no problem paying a Late fee, I'm Late, so there fore I owe the fee. But oops, I was late twice, Because it's hard to come up with the money to make the payment when I don't get a paycheck anymore.  Still willing to pay the late Fee. But, NO the Creditor now will Up my rate to 29.9% to punish me for being late, and paying a late fee. All of a sudden my payment of min:$45. That I always payed Double on goes up to Min:$125 Which I really find hard to pay with NO income. Did I mention, No Unemployement because I own my own business and only get paid if there are profits, Therefore no Unemployment insurance for me. By the way, did talk to the creditor many times and explained the situation to them. They would get a small amount, freeze the account, and no more interest or penalties. They agreed. But wanted $360. a mounth to to come out of a checking account automatically. I did not agree to that because there would be no way of knowing how much would be in the account at any one time.  They still went ahead and started taking money out of the account which over drew me and cost me even more money with the bank. Closed account, told company I will pay when i can or I will file bankruptcy.. Choice:  some money as I can or NO MONEY EVER! Guess they get NO MONEY EVER!  Hate to be that way, but just trying to keep an 80 yr old service business in Business and several people employed.  Nothing is Black and White in Today's World.Thanks for letting me Vent!

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Joe - 25 May 2008Either way they are scumbags they are coming after me for a mishandled loan that sallie mae screwed up from the get go...Instead of doing some actual work other than harrassing myself and the co-signer (who paid Sallie Mae to get off the loan).  These dopes are setting themselves up for a counter suit and I am jumping with joy the more and more I find out about them....Companies like this should be wiped out.  Especially in times like these when people can barely afford to get to a job!  Just pure scum!************So this makes you what?  Any better? Running up thousands of dollars and not paying it back? Also your co-signer much like mine is just as responsible ... sucks for them ... but you put them in that position in the first place by NOT paying it... also if Sallie Mae messed it up in the first place .. is not any debt collector's (attorney or collection agency) direct account.  They have NO information on the accounts other than who opened it, address of party (or parties) responsible, social security numbers of party (or parties) responsible,when it was opened, when the last payment was made, when the debt charged off, balance, and interest added. This is all to protect us as consumers.  If for example they knew what consumers purchased on a credit card, could form a bias opinion, which could effect whether they feel you deserve a settlement or need to pay balance in full.  Times are hard on everyone.  I have been on both sides of the phone as a collector (back in the day) and as a consumer trying to pay off my own debts.  It's not an easy job, and as a collector in the past, it was never my fault why someone else didn't pay their bills.  You're responsible for balances charged, late fees, interest, finance charges, penalties, attorney fees, and court cost.  Don't like it, quit taking loans, lines of credit, and/or student loans out.  That will solve ALL the problems you're complaining about.  Suck it up, pay the bill, stop ruining collectors lives because you're a "scumbag" who can't pay your bills.  They call and do what is asked/requested/told to them to do because you owe a client of theirs money!!! DUH NOT THEIR FAULT!!! MAYBE IN YOUR CASE WAS SALLIE MAE'S FAULT BUT NOT THEIRS. GET OVER IT.  THEY HAVE A JOB TO DO OTHERWISE THEY COULD GET FIRED, THEN THEY'D BE NO BETTER THAN YOU, SCUMBAG FOR NOT PAYING THEIR BILLS.  WE'RE ALL JUST TRYING TO MAKE A LIVING.

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456 Report Long ago Unknown
Michelle, you have fallen for the company line.  First of all, the amount of money you make has ZERO relevance to your value as a human being.  If you don't realize that, then you must be completely soulless.Second, not all debts are legitimate in the first place, either because the creditor misled the debtor and got him in over his head, or because the creditor is simply fabricating charges in order to increase the value of the bad debt when they sell it to a company like yours.  Third, the conditions that existed when someone took out a loan or made a major purchase can change overnight -- a spouse dies, a lifelong career is lost in the Bush/Cheney crash of 2011, an accident or illness leaves someone disabled and out of work.  So stop pretending that everyone your company harrasses is some kind of deadbeat!  Most of them are good, decent people who scared, desperate, and doing the best they can under the circumstances.  Your contempt for them reflects far more on you than on them.Okay, so you HAVE a job.  Good for you!  But I'd much rather be unemployed and homeless than make my living as you do, by twisting the knife in people who are already in pain.

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456 Report Long ago Unknown
You never know the circumstances surrounding a person's inability to pay their bills.  I have been struggling for months and the constant calls don't make it any easier to pay the bills.  I understand we all have jobs to do but the constant harassment isn't going to get the bill paid any sooner. More than one call a day is just plain obnoxious. The economy has had a huge affect on a lot of good people and other just trying to get by.

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456 Report Long ago Unknown
You're an A$$

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456 Report Long ago Unknown
Just because you "WORK" for them doesn't in any way make you "BETTER" than anyone else!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!  You don't know everyone's situation and you should think before you speak.

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456 Report Long ago Unknown
There have been Americans who are disabled, missing limbs, fighting cancer, single moms, etc etc etc...that have no job or income - that your precious company bleeds dry!! Please spare us the holier than thou attitude or that your company is like a Church! It's evil. Plain and simple!!

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456 Report Long ago Unknown
Calling people to collect on a debt is fine however calling 5 or more times a day is rather stupid, you cant find a job and get xnumber of dollars in 30 to 45 min unless you do something that is against the law, but then again you dont give a damn about anyone or the reasons they cant pay a debt  because maybe they lost a job  , i am just glad you dont call me because i would walk into your place of work and yes i would take the phone out of your hand and crush it under my feet and then your desk would be on the other side of the room, still intact would be debatable and then hope i get arrested and put in jail , so that would make the statue of limitations would run out and you loose!!!!

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456 Report Long ago Unknown
you're an a***ole...some people dont have a control why they dont pay their bills. Due to lay off, disabled or some other good reason..get off your high horse f*** bag.

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456 Report Long ago Unknown
YOU WONT GET A DIME OUT OF ME AND I SLEEP BETTER THAN YOU DO.. IT WILL BE A SNOWEY DAY BELOW BEFORE YA GET A DIME,,,CAUSE I WILL LIVE WITH YOUR LIENS UNTIL I AM DEAD AND THEN YOU CAN GET WHAT I NO LONGER HAVE...A BIG FAT ZERO....AND I SCAN ALL MY CALLS SO IT CAN CONTINUE TO RING A DING DONG LOL.....YOU HAVE A GREAT DAY NOW YA HEAR....RING A DING A DING BAT,,,LOL

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456 Report Long ago Unknown
I am reading this post because I too am getting calls from this place and would like it to STOP! I called and took care of the issue with the actual people that I had the debt with and I am NOT going to be bothered by people that claim to be " above" others and that have a so called job to do. If you are making so much money and sleeping so well at night you would not be so upset when someone who is trying hard to make it day to day wants to make a comment about how they are treated. I am glad to know that you sleep well at night being that you play the role of the devil to make all this so called money that you are making. If you have so much money, why not donate it or help someone else out that may not have it! Are you really as happy and you say you are? Is your life really as fullfilled as you would like it to be? MONEY IS NOT EVERYTHING! How's your health? Your life?  I get so tired of people trying to justify doing wrong. Not all collectors are wrong... but many are because all they care about is all this money they are making and not the lives and families they are destroying! I think I too will just get a lawyer because I can see the evil forces working are not worth my time. Thank you to all that did post on this site because now I see that these people have some MAJOR issues. I just pray that God (if you don't know him you need to) allows you to stay in this good place because if the shoe was on the other foot and you did not have this grand job making others life bad, you would not be so quick to be rude and hateful. It would be a shame for you to have a major life issue that causes you to not be able to pay your bills. Michelle, I really hope you get your life right now because honey you are headed down the wrong path and that smack in the face is going to be painful. P.S. I pay my bills on time too and did you think that maybe the company can have some information wrong and that everyone that you collect from is not running from bills? And Michelle... you would prob do better at your job if you had a better attitude because if you called me I would not give your rude behind a penny just because you are you! AND HOW DUMB ARE YOU FOR POSTING INFORMATION ON A PUBLIC SITE TO SOMEONE THAT SAID THEY ARE GOING TO SUE YOUR IDIOT BEHIND!  I hope they take you down with them and you can go find you a new job in this rough economy! You may be doing your job and you better hold on to it because you may not be able to get another one. I own a business and I would NEVER hire you or anyone else with your NASTYTUDE.

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456 Report Long ago Unknown
YOU WORK FOR AN SCUMBAG COMPANY!!!! They have no balls to leave a proper message...all scammers

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456 Report Long ago Unknown
get a real job and one that teaches you grammar and sentence structure.

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456 Report Long ago Unknown
Good grief, the least you could do is spell out words rather than talk like a sixteen year old text addict.

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456 Report Long ago Unknown
Scumbags, right, threaten people for a living, to take more of what they haven't got, while these low life's charge 30 % on these accounts so you CAN'T pay them off, adding late fees on top of late fees until you are paying nothing but late fees and over account limit fees and the fees attached for each day the account is not brought up to date, right ~ we are scumbags.  we work every day of our lives until we lose our jobs in this Crappy Obama economy, and its OUR FAULT. if you had a real job you wouldn't last a day, I wouldhate to havea " JOB " that required me to take money from people in the manner in which you conduct yourselves ~ thats right you mke $100,000 and you think that makes you better than us ? if you weren't leaches you wouldn't make a dime would you blood suckers !

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456 Report Long ago Unknown
Your employer should see your posting and fire you on the spot! No employee should have the right to make statements like you have in this post. YOU think you are better than everyone else? Think again oh holy one.You could loose your job just as easy as anyone else in this world. Everyone is replaceable and that includes you. Then you might find yourself having to deal with "scumbags" as well and being called a "deadbeat".  Compassion, do you know what that means? Ethical - look it up. Zwicker and Associates, PC abids by unethical collection practices. Congratulations for working for a firm that instills these values into their employees. This is also a reflection on you as a person. Considering the fact that you defend this employer tells me that you too have and practice unethical values in your personal life. So tell us, what gives you the right to judge people that have fallen into hard times? Just the fact that you have a job? The answer is not important just as you are not.  I guess even unethical people can justify their deeds so they can sleep soundly at night.Oh and btw, this is posted by someone who also is fortunate enough to still have a job but with a company that practices good ethics. Nighty Night.....Sweet Dreams

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456 Report Long ago Unknown
Please, no one would pay someone with the lack of grammar and knowledge of the english language 100k. If they did, I wonder what this poor world is coming to. I agree people should be responsible for what they owe, however, the creditors who are not obeying the laws need to have consequences as well. I have been called at all times of the night and received multiple letters in the mail after legal actions had already taken place because of identity theft.

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456 Report Long ago Unknown
@Michelle "Some of us make up too[sic] $100k a year."Liar liar pants on fire!!! According to this chart most of you bottom feeders only make between $23 to $30k per year. On top of that you have no formal education so you have no student loans like the rest of us either. That salary wouldn't even make a dent in my student loans. But I was told . . . NO WAIT PRESSURED, that if I sought a formal degree that it would fare well for career prospects. WRONG! I would have been better off getting a demeaning job where you work, but I want to have a job that upholds integrity, values, and a professional atmosphere that contributes to society-NOT THE BANKS Also keep in mind that it's somewhere of an oxymoron for banks to expect a free charge-off on tax payer funded bailouts yet THEY continue to harass the little people that became victims of a sluggish economy. I find it interesting that you delineate whenever anyone raises this question. . http://www.simplyhired.com/a/salary/search/q-debt+collectorYou were in a desperate situation and took that job. Call it what it is. Don't lie to yourself and others about how respectful of an income you earn when you know its scummy and that's why you lurk related message boards. If you firmly believe that borrowers signed onto the debt via a binding legal contract then you should have the sense to know that Zwicker, et al. is breaching legally binding laws with many of its debt collecting procedures. You are a sellout! Instead of seeking respectable employment you scraped the bottom of the barrel and now you're pretending to be proud. Don't kid yourself. NO ONE would wake up going to work every day and feel GOOD about making other people miserable. Unless you're the spawn of Satan of course?

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456 Report Long ago Unknown
how the .uck yo 100K a year making them phone calls eh? .uck you and people you work for, you are scumbags, let see you make 100k working a real job like us

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456 Report Long ago Unknown
if you've gotten calls from these a***oles and they hang up on you their auto dialing or harrassing you , either way i call the # back and let these a***oles know for every time they call and hang up i'll call and hang up on them 10 fold . let the a***oles record your # because their doing the same thing so f*** them ...

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456 Report Long ago Unknown
The words its hiding is B_I_T_C_H       and   A_S_S_H_O_L_E  Quite Fitting Dont you Think

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456 Report Long ago Unknown
your garbage plain and simple....If you do happen to make 100k your over paid by 80k.......Bring it on bi***....Your persistent calling all hours of the day doesnt bother me.....We know where the dirtbags of the world reside.One such place is Zwicker and A***oles....you just wait ill have all your lines tied up before long....Ill be calling you....Harassing you ....Do you understand?? ...I hope you do

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456 Report Long ago Unknown
Your message is a little harsh and if you represent this firm I hope you dont call my house.  If your making up to (not too) 100K then offer to pay this guy's bill since you just loved putting him in his place when he's obviously already down on his luck.  Nice compassion for your neighbor there girl.

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456 Report Long ago Unknown
Do NOT judge until you have walked a mile in someone else's shoes. Bad things happen to GOOD people in this economy. I pray something like this doesn't happen to you. You need a lesson in human compassion.

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456 Report Long ago Unknown
actualy mam make sure the product paid foractually works i need to sue you for harrassment

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456 Report Long ago Unknown
well f*** u and your employer,u cant make me pay...bi***.

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456 Report Long ago Unknown
you do not make 1100.00a year r .you real collage graute or a mutt. i hope mom & dad are proud of you

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456 Report Long ago Unknown
you are scumbags and you know it.  it's not always about people not paying their bills. it's about people NOT BEING ABLE TO PAY THEIR BILLS or do you just not get that SCUMBAG.  why don't you go rot in hell where you belong??? and, we ARE ABOVE YOU! get that through your head

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456 Report Long ago Unknown
God bless you.

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456 Report Long ago Unknown
Michelle theyt didn't really mean scum bags, they meant doushe bags. You act as if you were born to royalty and you are diserved to be treated as such. You have no clue why people may have fell on hard times! A husband may have passed and left his wife with 4 mouths to feed. Get it??? Not everyone makes purchases and than decides not to pay. There could be many reasons things happen. Hope your mother and or father don't get ill in the hospital racking up thousands while dying of cancer but still have outstanding bills they didnt pay. Some douche like yourself that would take such a job which pays crap not 6 figures which you only wish you were getting will hound your dying father and belittle him as he withers away to nothing! lol Its people like you that think your owed something that havent yet had a catastrophe in your life but bank your day is comming and i can only hope that someone you helped to screw will be there to laugh when you fall.You are as low to take such employment and even lower to help to hound that elderly individual that is on hospice with cancer and you want to take the air he breathes from him. You troll, i hope your day comes sooner than later because you need a lesson in human kindness!

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456 Report Long ago Unknown
I have been called twice at inconvenient times and you guys asked for people who don't and never have lived here.  When I asked how you  could have gotten my number the collection person said " they may look at the person they wants phone number and see who they have called and call them to try and contact this person."  Is this legal?  I didn't know you could do such a thing legally!!!!!!! What has this country come too?!  I know for a fact that most people want to pay their bills.  I know someone who wanted to just pay interest on a mortgage this month to get over a tight spot and the bank said they could not just pay the interest or have the payment moved to the back of the loan because they have never been late with a payment.  So that is how our government/banking industry treats people who are trying!  Who are the deadbeats! Not the person who has never missed a payment until now.

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456 Report Long ago Unknown
If you really work for Zwicker, your message may violate the Fair Debt Collection Practices Act

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456 Report Long ago Unknown
I have always paid my bills on time but 2 years ago I got really sick and had to have kidney transplant.  Money was no longer coming in from my job and disability does not pay well.  I have never treat anyone they way Zwicker treats people.  I pray to God that you never get really ill.

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456 Report Long ago Unknown
michelle i'm so glad for you that you can sleep soundly at night and have such a cushy job. i hope you never have to go through what i did or maybe you should so you can fall off your high horse and see what it's like and not throw it in our faces that your life is so perfect. cancer sucks and a lot of the treatments and prescriptions aren't covered by insurance. so meanwhile you people took every last penny that i had so maybe you can have a nice steak dinner and some expensive wine with that while i can't afford to get prescriptions that are needed and have to go to a food pantry to get some food to live on. i hope you still sleep well at night knowing that. at one time i was able to keep up with my bills but then cancer happened

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456 Report Long ago Unknown
FUUUUUUUUUUUU we are not dead beats we have come on  hard times and are doing what we can to pay back some ofwhat we owe as for i i have  been paying the cc company so we dont have to deal with you and as long as they take my payment i will continue to work with the cc company do you have a home I maean own it? i thought so. Until you or your souce looses his/her job shut the F up and then you get to pay the mortage and the uilites then you tell me what is more important......

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456 Report Long ago Unknown
It must be nice to be paid 100,000.00 - the problem here is some of us had jobs and now do not because of the ecomony or fell ill, etc and had no intentions of getting into this situation but have. To talk to us like we are scum is not right. If we did not have the 50.00 per month before how can we have the 2000.00 now??

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456 Report Long ago Unknown
Not if we declare bancruptcy!!!!!!!

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456 Report Long ago Unknown
Not the collector , but would like to see on the news about some of the millianare corporate execs. being found in an alleyway with some of those collection notices stuffed in his silanced mouth !

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456 Report Long ago Unknown
if i knew where you lived i would wait for you to come out of your house and beat the crap out of you

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456 Report Long ago Unknown
I feel that your message has proven my point of the games being played at the expense of others.  Buying account balances for pennies on the dollar appear to be more of an desire to punish and harass someone than to collect an honest believed debt.Brief story.  My husband became ill and had dementia.  His neurologist instructed me to contact his card holders and insist they close his accounts due to the circumstances.  Only one card was closed, all others refused to close his accounts.  I was kind enough to make payments until near death.  Now I get calls from collectors that think I should want my dead husband to have good credit.  His accounts were solely his and he had nothing at his time of death.   Good credit?  I don't think he'll be back to pay my debts do you?  Whoever bought his debts could not have been well informed or perhaps are very foolish and deceitful, hoping simply to gain by harassing others.  Quite frankly, I do not owe his debts and I have been advised by my attorney to pay nothing that "he owed."  I have a former friend from Stone Mountain, Georgia who has taken a job collecting "bad debts."  Rest assured she filed bankruptcy and had hidden debts ie., a Harley bike, and now is anticipating reaping the rewards of others misfortunes.  Prior to my husbands death she even commissioned him to make a basket for her to give as a gift to a minister, her significant other.  My dying husband was never paid but the gift was given to her significant other and at my dying husbands expense.  And this person is now in the business of harassing others?By the way, what is your profile?

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456 Report Long ago Unknown
Yes you are right-you have a job.  Really- is that the best job you can get?  I think I would rather scrub toilets for a living than try to make commission money by calling up people who are in financial hardship and harassing them-AND HARRASSING THEIR CHILDREN!-which I understand is one of your company's tactics.  But kudos to you for going the extra mile.  Yes you have a job-which is a miracle for you-judging by your spelling and vocabulary skills-I can assume that you have no other valuable business skills, so good for you that you are able to have a job where you can use your obnoxious personality to your advantage. Sleep well and God Bless.  Just remember-what goes around always comes around.

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456 Report Long ago Unknown
Did someone call a whaaaaaabulance?

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456 Report Long ago Unknown
why dont you get a job with michelle? sounds like your kind of job!

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456 Report Long ago Unknown
well michelle did lose her job, and let me guess you must be the fool who is sleeping with her or who has maybe slept with her reguardless she should never act like that with no one and michelle if you read this go fudge yourself, I think you both are pieces of s***, and I worked for Zwicker they are s*** also they treat people disrespectfully, even the employees!

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456 Report Long ago Unknown
Leo,Why should consumers who have lost their jobs continue to fork over money to the very banks that caused them to lose their jobs?  NO!  YOUR CLIENTS DESERVE TO BE IN JAIL, NOT THE SO CALLED DEADBEATS YOU CLAIM US TO BE.Or should we use our incredibly diminished savings to pay you?Or should we use our unemployment checks to pay you?Or should we use our short sale of our homes we're losing to your client to pay you?IDIOT.  You get what you give, and when you lay down in bed with a client who is a criminal...what does that make you?  Either or a criminal or a 'lawyer'...these days there's no difference.

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456 Report Long ago Unknown
Michelle,Don't sweat these people.  Maybe they aren't all scumbags for not paying their bills, but they are scumbags for jumping all over you in an online message board.I love how everyone that gets "harassed by Zwicker" are never at fault.  It's always the economy, their boss's fault, etc.  Bottom line, debtors - you signed an agree to pay with the original creditor.  You defaulted on that agreement with your creditor.  We at Z&A are now handling the account and the debt (per the agreement you signed!) is due in full.  In most cases we work with debtors to settle and make payments - do you realize we don't have to do that????In most cases, Z&A is the second or third party to call about the debt!  Times are tough, but it's not like you missed one payment or were late one day.  The accounts are usually six months behind.  Be accountable for your actions and handle your business and Z&A won't "harass" you.

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456 Report Long ago Unknown
You debt collectors are nothing but low lifes, taking shots at people who are in tough situations. No one expected to be out of a job, no one expected to have a loss in business, no one expected to make a decision in either pay bills or feed your family. I hope you collectors face the challenges we face, turn the table and maybe you scum bags will get a dose of our situations. We all paid our bills before, how the fu*k do you think we got credit? PEOPLE, don't let these scum bag bill collectors ruin your day. Record your phone calls, (makew sure you let them know you are recording them). Look up then fair credit act ( Info is on the internet, use fair credit as keywords) Sue them if they violate your rights, make them pay for their sleazy tactics. Don't let them intimediate you.Better days are ahead for all of us, stay strong, this too shall pass. You will rebound,

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456 Report Long ago Unknown
Real intelligent, calling someone a dead beat, you know nothing about, a very ignorant statement, common among scum bags, (not saying you are one, I don't know you.)  I'm really glad you are able to sleep at night....just not so sure I'm glad you wake up!(Good luck with the $100K thing, something tells me you're not one of them that make that)

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456 Report Long ago Unknown
I am in the same boat as you.  20 years with a company and BOOM, nothing.  Looking for a job was a job.  Luckily am employed but am making a pittance of what I used to make.  Trying hard to keep up, but falling behind none the less.  Prayers to you.

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456 Report Long ago Unknown
Hey there Michelle.  Before you go bashing us for not paying our bills I just wanted to let you know something.  I've been in the work force for the last 27 years without missing any payments on any of my bills.  I worked for the same company for the last 15 years as General Manager of the entire corporation.  I made extremely good money for a long time.  I never expected to lose my job.  Had it not been for the extreme downfall of the economy and how it affected the company I was working for, I would still have a job.  However, my position had to be eliminated.  I was the last one to go and I am thankful for that, but here I am a year and a half later unable to gain employment.  I hear everything from employers such as, "Your overqualified, we can't pay you anywhere near what you were making, you're not what we had in mind."  I can and will do any job that someone would give me.  I WANT TO PAY MY BILLS.  I AM NOT A SLACKER.  Just because you are currently employed don't take it for granted!  You never know when you will be in the same boat as the rest of us.

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456 Report Long ago Unknown
Who died and left you king?  You are nothing other than the same as everyone else...remember that.  You, however, have just a simple job; in fact I would classify your employment as an abusive, underhanded, uneducated, let's hire off the street, give you a script, harassing, telephone canvasser.  What is needed for a job where someone can talk?  Who really cares what you make?  It is blood money-money you threaten people for...that is nothing to be proud of or pick up a check for.

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456 Report Long ago Unknown
Keep getting called at my number for a Paolo for over two years...Keep telling them this is not their number, but they continue to call...I think that companies need to check the numbers they call before the start calling two and three times a day about someone who is not even listed at that number...

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456 Report Long ago Unknown
MichelleI hope lose your job. You do not know how to spell and you are misrepresenting this company.

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456 Report Long ago Unknown
Maybe when you lose your job with Zwicker you'll be hounded by another parasite like you when you cant pay up a***ole!

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456 Report Long ago Unknown
You're "above us"?   Why, because you're paid jackals picking at the skeletons of those who've lost their jobs in a bad economy?That doesn't make you "above" us -- that makes you a vulture, nothing more.The fact that you go after people for debts that were already resolved, AND call numbers that are no longer owned by the person you're trying to collect from speaks for itself."This call is for Greg deSilva"... "you have a wrong number"... "well who is this?"none of your damn business who this is, it isn't Greg daSilva and I don't know him.   Take my number off your list.3 hours later "This call is for Greg de Silva".... what part of you have a wrong number are you idiots too damn dumb to comprehend?

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456 Report Long ago Unknown
First of all smart a** you and  your company of worthless people who myself and many, many others look at as a viral infection that needs to be cured  buy paper and you try and i stress the word TRY to get someone to pay you.This is simple contract law the person who you are trying to collect from owes you nothing and never will. That person did not contract to do business with you. Your company took a chance on the hopes they could get the person to pay them money freely even tho its not owed to them. It's just simple contract law. You must produce documents signed saying that the person in question contracted to do business with you. Your company can never do that because they dont exist. The fact your company bought discounted paper and took a chance is irrelevant. Anyone that is being harassed  by these people  should send them a cease and desist letter certified with the request to provide any and all proof that you in fact contracted to do business with them. Also tell them not to contact you ever again by phone or at your job and keep accurate records of all calls so you can get them fined and sue them.Oh and you make commission off of the people you swindle into paying money they don't owe you.That is how some of you make 6 figures and more.I wouldn't be to proud about having a job doing that.It makes you scum like i said earlier a virus that needs to be eradicated.

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456 Report Long ago Unknown
It's good that you have a job, but as you make over 100K a year & have life style based on that what would you do when you lose that job?You can't get a nother job making no way near 100K may be 25K?How would you feed your family?Do you buy them eggs & milk or do you pay your AMX bill first?I don't like calling people a "scumbags" but from the sound of your email youreally are one. just becuase some one does not have the ability to pay today, it doesn't make them a "deadbeats"I hope you sleep well

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456 Report Long ago Unknown
That was pure poetry my friend.

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456 Report Long ago Unknown
Hey Michelle,No wonder you're in collections.  You have no knowledge of proper spelling, grammar, or how to structure a sentence.  That's OK, today I logged a complaint with the FTC, tommorrow I'll call my state's attorney general, and I look forward to telling our story to a judge. And stick your holier than thou attitude where the sun doesn't shine.

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456 Report Long ago Unknown
I work for Sallie Mae as well and I feel sick to my stomach that this girl is calling borrowers "below us". We are all people regardless of our financial situation. Sallie Mae reps are not there to tear you down. We are there to prevent you from defaulting. I feel awful for every single borrower that I talk to knowing they have no where to turn. Granted, we can only do things for borrowers that our policies will allow. To Michelle..you need an attitude adjustment! I highly doubt your making 100k a year. Treating people like trash isn't going to get you anywhere with them. Put your feet in their shoes for a half a second. How would you want to be treated? Reps like you are why I spend most of my day fixing mistakes and trying to truly help people. We have a goal that we have to resolve, yes. I however am able to reach my goal with kindness and compassion. I feel sorry for people who have to speak with you upon calling in.

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456 Report Long ago Unknown
Michelle, don't talk to fast, because you have a job today you can be out of a job tomorrow, even today.   Things happens in life you can get sick or anything can happen to you at the  twinkle of an eye.  So don't wear your pants so big, what will you do if you lose all of your benefits and your job, what if you lose your home or your cars, your 401K, your retiring money.  What will you do? Can you live off of unemployment, your are so smart and proud, but this big company that you work for can fold up anytime and WHAT WILL YOU DO?  ASK YOURSELF THIS QUESTION? GOD BLESS YOUR ARROGANT, SELFISH, AND ROTTEN CHILD?  YOU WILL SUFFER FOR BEING MEAN ONE OF THESE DAYS AND YOU WILL WONDER WHY?

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456 Report Long ago Unknown
THEY NEED TO GET RID OF BONNIE AND MICHELE THEY ARE SO IGNORANT LOW LIFES HA HA THIS HAS TO BETHE ONLY JOBS YOU CAN GET, EVEN MORONS CAN DO THIS JOB ,YOU DONT NEED A EDUCATION TO CALL PEOPLE AND HARASS THEM   PEOPLE ARE WILL ING TO PAY  BUT NOT TO ANIMALS LIKE YOU TWO REMEMBER WHAT GOES AROUND COMES AROUND, YOU THINK YOU  HAVE JOBS NOW AND YOU ARE BETTER THAN US, WELL WITH ALL THE LAW SUITS  AGAINST THIS FIRM  WHO KNOWS HOW LONG YOU WILL HAVE A JOB AND WATCH OUT FOR kARMA>

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456 Report Long ago Unknown
I have a question regarding your post:Hasn't anyone ever been told that it is illegal to pursue collection of a debt once it is in a status of being NON-COLLECTIBLE????   i.e. discharged debt, bankruptcy, statutes expired, person deceased without estate, write-off's etc.  It is also illegal to pursue when the original creditor wrote the account off and reported it to the credit bureaus as such.If my credit report shows items "charged off", can a collection agency continue to try to collect on this debt?  I am confused.  Thanks!

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456 Report Long ago Unknown
People may not be living beyond their means.  It could be an account as described below...Additionally, -People are human.  Respect the person on the other side of the phone and employees for the collection company may receive in kind treatment.  I did work for a skiptracing company on defaulted student loans.  I was admonished for speaking to a mother in a kind voice.  My boss did not hear one word of the mother's conversation.  Looks were daggers, thrown in my direction.  Yes, I treated the person with decency and received same in kind.  I was reprimanded from this demeanor of conversation held.  I let the boss open the trap to discover how big he could use it.  Thereafter, I proceeded into the company president and chose to disrupt his day by filing a grievance against the manager.  I used decent tones as I have always been taught to treat others as you want to be treated.  Reason I chose to be extra kind.... the debtor had just passed away and the mother was in tears over her son's death.  I got reprimanded for being kind to a parent that just lost her child.  Go figure.  In the long end.... my boss was reprimanded, I received a thank you note from the mother with a certified copy of her son's death certificate and closed the file and rendered my resignation.  ATTENTION high and mighty collectors... Be kind and open your ears before making demands for money.  The person on the other end of the phone just may not owe the money after all.  Until you allow the party to comment on the alleged debt, you will not get the full picture.  For the public:  Collection agencies - by law - must identify themselves and provide information on the debt.  They must also follow up the phone call with formal correspondence from their company providing account information, original debtor, their contact, and your rights under law, etc.  Also, for those not in the know....   State of California Consumer Affairs Department requires all collection portfolio managers to be licensed by the State.  They apply for their license under an assumed name.  So, the person you are speaking with is an alias and is not using their own name.  This is for their protection - - Guess it comes from the attitude that they give to people on the phone and the threats they make against those that may possibly owe money.  One last thing... where do you get off collecting money on debts that the creditor has issued a ZERO balance owed letter and choose to proceed despite the creditor writing such a letter?  You are not proceeding to collect the debt, you are proceeding to collect the salary for the wasted manhours that your legal staff has spent in pursuit of a non-collectible debt.   Gotta love the ingenuity of the legal offices in these hard times.  Hasn't anyone ever been told that it is illegal to pursue collection of a debt once it is in a status of being NON-COLLECTIBLE????   i.e. discharged debt, bankruptcy, statutes expired, person deceased without estate, write-off's etc.  It is also illegal to pursue when the original creditor wrote the account off and reported it to the credit bureaus as such.  So, definitely keep your credit reports to prove what was reported to them on your social security number.  The credit card company received a tax benefit from the IRS for writing off the debt.  They cannot collect on a debt that they already received credit for. AND it is ILLEGAL to discuss matters with a third party regarding the collection.  so... if family, friends, neighbors or others are told that they are trying to find you because you owe them money, take the information they give you to pass along and report them to the State Consumer Affairs Bureau, the FTC, and or other appropriate agency for your state of residency as many have different titles for oversight.  It is ILLEGAL TO DISCUSS ANYTHING WITH A THIRD PARTY regardless whether they are trying to track you down.  Banks and creditors are currently digging up bad accounts from over 10 years plus.  Speaking with community support offices has revealed that many people will pay an offer of settlement to rid them of this debt.  Problem seen by many visiting office, is that they receive another letter several years after the fact for this same debt.  The collection agency did not close the file for destruction after being paid. Instead, they include the file when sold to another collection company.  In this case, the company bought back a file that went a full circle and actually received duplicate payment and has refused to refund the money for the overpayment thus far.  Keep your paperwork on any arrangement that is made along with copies of cashiers checks or other means of payment with these documents.  Many people throw these out after payment is made and cannot prove later that this was done.  Better yet, most recent situation included the reduction in amount owed being pursued by another collection agency for the balance as the original office did not accurately close the file to avoid being sold to another party. (example:  debt owed is $3,000; settlement amount is $1,800 which you pay. Collection agency did not  zero out your account.  It shows that you made a payment of $1800 and owe $1200.  Guess when the clock stops on collection... when the statute expires from the very last payment made which was the $1800).  KEEP YOUR RECEIPTS KEEP YOUR LETTERS KEEP YOUR PAPERWORK FOR YEARS TO COME.  Nowadays, they are pulling many unscrupulous means to make a buck.  I know I got off course, but information is important.  I know you as a person would like to have your account credited for the amount you paid.  I know I would.  Please consider the golden rule of "do unto others....".... when you make that call.

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456 Report Long ago Unknown
as a zwicker employee all i have to say is "dont live above your means" you never know what the future has to hold

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456 Report Long ago Unknown
I feel so sorry for you.  Such a superior attitude.  But just remember the higher you feel you are on that pedestal the longer the fall.  I just hope you don't get hurt like everyone else.  No excuse for rudeness by anyone...even debt collectors.  You get more with honey than with vinegar!  You're an employee.  I doubt you make that much unless you are one of the partners.  So sad.  Keep praising yourself because you are the only one that is.  May you enjoy your holidays and sleep soundly knowing you have made others suffer.  Remember that debt isn't all about pleasures.  It's also about doctors, hospitals, medications and laboratory fees, heating and food.  You know they are called necessities.  Maybe you are the picture of health.  Good for you...but the mighty do fall!!!

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456 Report Long ago Unknown
Michele is the rudest person, this has to be her only job and she she is tryin so hard to get points with the zwickers  she is uncouth and very ill mannered, she is so sarcastic Im hurung a lawyer to sue he what low lifes at zwickersr

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456 Report Long ago Unknown
Who do you think you are God?  You have laws and bylaws to follow and most of you do not.  If I were you I would get an education and find a real job.  Then and only then can you sleep at night collecting a real check at the end of the day; otherwise you are just a piece of nothing harassing people.  Got it?

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456 Report Long ago Unknown
Some people can pay their bills, but as people lose their jobs they cant pay their bills anymore.

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456 Report Long ago Unknown
Who do you think you are God?  Doing any job doesn't make you one iota better than anyone.  Most collection companies fly under the radar, including this one, and you ought to be ashamed of yourself for speaking the way you do; and, when you have an education, find a real job.

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456 Report Long ago Unknown
People like this are so secure and sure that they will have their jobs forever and nothing major will happen in their lives that will cause them to go bankrupt. What comes around, goes around.

978-686-2255

456 Report Long ago Unknown
Who do you think you are God?  Doing any job doesn't make you one iota better than anyone.  Most collection companies fly under the radar, including this one, and you ought to be ashamed of yourself for speaking the way you do; and, when you have an education, find a real job.

978-686-2255

456 Report Long ago Unknown
Way to go Michelle, your so proud you have a job, lets just rub it in the face of all those who don't. Just don't ride around too high, for when you fall it will be hard. I am absolulely appalled that in this day and age a grown adult would be overjoyed at the misfortunes of so many. I can see why you work for the type of company you do, an attitude like that won't get you far any where else. You sound like a child who is bragging to another nah nah nah boo boo I have something you want. Grow up and remember Karma is a b***h.

978-686-2255

456 Report Long ago Unknown
Actually the lowest pay rate is 11 dollars an hour and I do have a college degree.  The economy is bad like everyone keeps stating and it is hard to find a high paying job, but the different is I have bills to pay and I will do what I have to so they dont go into charge off status like everyone else.

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456 Report Long ago Unknown
Michelle,Why don't we all just stop using credit cards so you don't have a job?  You sure sleep soundly making $10 an hour because your sorry a** education won't land you a better job.

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456 Report Long ago Unknown
Hey collector......I am disabled and I am judgement proof.....have fun trying to collect! Your client used practices to destroy my credit when I did nothing wrong. They lowered my credit limit and put me in a high debt to credit ratio. I have never been late nor had I missed a payment. When your client lowered my credit limit for a second time I contacted a lawyer and was told to stop paying your client........they can not collect........and if your client does manage to get a judgement against me they can not collect and I'll file bankruptcy........then I will work to rebuild my credit and my good name! Your client did this to themselves! I was a good customer for 8 years!

978-686-2255

456 Report Long ago Unknown
Sometimes is it  in your best interest to file bankruptcy which is fine. Although if your comment was to make Z and A employees mad, it wont happen.  Actually it makes our job easier, because we know who has the ability to pay and who doesnt and we can move on to an account that might actually recover money for our client.

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456 Report Long ago Unknown
I love it

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456 Report Long ago Unknown
I owe money but I am higher then you because I won't pay it I am filing bankrupcy.. Times are hard and jobs are gone. But people like you are as low as you can go. You can't get anything if we don't have it to give.. Good luck with your so call JOB.... It is harassment.... Let us alone..

978-686-2255

456 Report Long ago Unknown
Correction. We can call you on any number we can find for you. The only point we cannot call you on that number is when you tell us you would not like to be contacted at that number.  You can tell us that you dont want to be contacted at all which is fine, the only difference is that we will not be able to call you an notify you the status you are in with collection process.  If you dont want to talk on the phone, its not going to stop our process, it only stops our ability to contact you and give you a better option than civil suites.

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456 Report Long ago Unknown
Your a bunch of Over zealous morons.......Lawyers, Debt collectors and lets not forget politicans

978-686-2255

456 Report Long ago Unknown
What idiot posted this?

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456 Report Long ago Unknown
After your told them to not call you at work and they call again, you can sue them for harassment under the Fair Credit Act.

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456 Report Long ago Unknown
It is harrasment, that has been proven in court and giving us the knowledge on reprecutions, in other words threatning you with consequences, please, you can do all that in a nice letter that goes in the mail....you know, the legal way. I have asked your company to not call me during work hours all 3 times you have called, the last time my boss threatened me with my job, that is not helping.

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456 Report Long ago Unknown
your 'client' already stole my money in a bailout.  I don't owe you a thing.  Bank's already been paid.

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456 Report Long ago Unknown
Im sure she is a rocket mutt

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456 Report Long ago Unknown
Yeah, we can see you are "highly trained and educated", graduated the sixth grade - if you weren't doing collections you would be at NASA, right? Yeah, sure thing.

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456 Report Long ago Unknown
This is harassment!

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456 Report Long ago Unknown
If you are so educated - perhaps you could go back and spell your repsonse correctly so you didn't look so STOOOOOOPID (yes, I know it's spelled stupid - but I am guessing you couldn't spell REPERCUSSION with a gun held to your head) .... lol

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456 Report Long ago Unknown
Highly trained...hardly.  Recieved a call today about my ex wife (10 years ago) who must have debt, I wouldn't know, don't even know where she is.  The caller hung up first on my wife, then on me when we didn't provide any information.  What an unprofessional organization.

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456 Report Long ago Unknown
thank you for not becoming corpate american

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456 Report Long ago Unknown
I worked for zwicker and you are right most of them don't have a lick of sense. If you think they treat you bad, you should see how the managers treat the employees.Zwicker is a joke 90% of the suits don't even make it anywhere, it's a scare tactic, I tried to treat everyone i spoke with, with respect and full knowledge of what i was doing and as far as training they only train us to work the system and how to be treated like crap they have several suits pending against the company for sexual harrassment and misconduct not to mention the drug usage there. I have seen several accounts go untouched for alot of years most are uncollectable, my advice seek an attorney and don't get bullied by Zwicker, I lost my job because of the crap they allow. And only 1 person makes 100k there and yes it can be all taken from you and I hope it does!!!!!

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456 Report Long ago Unknown
Trained???? What world are you living in? Everyone I have talked to had the conversational skills of a 6 year old! YOU have no people skills and your not lawyers! You’re nobody! Your common folk just like everyone in the world. When one person gets one the phone and get no where they pass it to the next person in the office. Your company is a joke and they are going to end up in many court battles and then out of business. So enjoy your job while it lasts.

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456 Report Long ago Unknown
so you can spell can me make you zwicker partner!

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456 Report Long ago Unknown
Highly trained and educated people use proper punctuation and capitalize the first letter of a sentence.

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456 Report Long ago Unknown
actually it is not harrasment to call you to pay your bill,neither a threat to give you knowledge on what reprocutions may be done. It is actually helpful.would you rather us not tell you then to later be served and then you ask why?? we are truthful and are here to try and resolve it with you. harrassing is to call you 8times a day scream at you etc...but we do not we are highly trained and educated to where it is all about communication.sorry if you do not like to be told and asked to help work with you to resolve it to switch it up like you are being harrased. maybe you should listen instead of hanging up because it will effect you and your well being not ours. it is a hard job we are not here to harm you we are case managers that call you to help.

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456 Report Long ago Unknown
not for nothing michelle but it actually illegal to harass someone regarding collections.  You can not call them at work and you can not harass them.  When I hear "just pay it" in a rude voice I hang up.

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456 Report Long ago Unknown
Their lawyers are retarded, they rely on the fact that most people won't file an answer and they get an automatic judgment.  File an answer!

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456 Report Long ago Unknown
Zwicker has lawyers in every state and the states they dont have any they hire independent lawyers to show up in court so good luck with that.........

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456 Report Long ago Unknown
Very good advice.  Don't be a chump; if you get sued, file an answer.  But long before that, demand they stop calling you and that they produce a certified copy of the contract under which their demands are made bearing your signature and a statement (not summary) of the alleged charges or purchases you made.  In most cases, they cannot do this.  If they try to file suit, and they often will, this alone will get their case dismissed, and gone for good.  Demand a jury trial, call the creditor's managers, people that called you on the phone, subpoena their phone recordings - when they refuse to comply, case dismissed.  Most people who have a judgment against them simply did not file an answer to the suit and make an effort to find out what to do.  They count on the high cost of lawyers and their "target" being out of work and broke and will try to get away with all manner of illegal stuff, like calling late fees and interest "purchases" (fraud, and illegal in almost all states), etc.  Use the web.  Read.  Fight back.  If you are out of work you should have the time to do this!  Once you get working again, get help from an expert at rehabilitating your credit rating.  If you plan to need loans, you will have to settle your debts, but in the meantime, don't let people lie their way to a judgment against you because then it is too late.  If a judgment seems inevitable, bankrupt and start over.  A garnishment will lose your new job for you, do not let that happen.

978-686-2255

456 Report Long ago Unknown
You are an idiot.  The lawyers suck and are afraid of any trial because they know that a witness for their client probably wont show up. Send a cease and desist letter to stop the calls.  File an answer and notice a witness for trial.  Odds are, your case will be dismissed.

978-686-2255

456 Report Long ago Unknown
You can get Legal Sheild for $17 a month and have a top rated attorney to talk to anytime for any reason. I am a Legal Shield associate and have already used them for advice on my collection problems. You can go to my site if you are interested. No contract. Month to Month. www.legalshield.com/hub/richardlburge. It will be one of the best decisions you can make. Blessing to you and your situation.

978-686-2255

456 Report Long ago Unknown
my mother had dementia and I had to work a debt with citibank - she had an original debt of $5K that grew to $38K because of them raising her interest to 38%.  She too was also on SS -- but was married to a scumbag, my dad -- who just stuffed his money away and was living off her SS and my disabled borther's SSA/SSI moneyWhen she got dementia my sister and I took over -- i got her POA and worked on settling her debts.  She passed away before I got her debt settled, but since she died - they agreed to settle for $5k.  her original debt - without all the interest and over the limit fees... they can not come after your property just because you are POA -- they can only go after her - but since all she has is SSA -- it will be very hard to get.  I know you wrote this in nov of 2010 - just want to know if you ever got the debt settled  I hate these companies taking advantage of people on fixed income.  My father sold the house when she died and moved back to the phillipines.... he sold the house for $800K and had saved $400K by living off my moms SS.... Needless to say - I hate him for making my mother get so worried and depressed over her debts...

978-686-2255

456 Report Long ago Unknown
I have tried to work with Discover on a hardship program which they gave me for 1 yr. I calledand asked them to continue but the refused. I am now working with Everst Debt Solutionsand I understand the process they have me go through(this by the way is my Mom's Debt butshe now has dementchia and I have poa). If this all works out this debt of just over 18,000can be paid in 3 yrs. I did get a letter though from Zwicker attempting to collect the debtand have as of today refered them to Everest. My concerns are if they sue do I need anattorney?? We just can't afford one. My mothers owns nothing and her SS is very limited.I worry they would come after me the poa and take my home or garnish my ss which isvery very low. This all is making me crazy.I want to continue with Everest as I dotrust them and this was my only option.

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456 Report Long ago Unknown
Since when has any company abid by the law!!  This is why the world is in the mess we're in today!! Don't be niave!  or think we are stupid!

978-686-2255

456 Report Long ago Unknown
STOP PAYING THE DEBT SETTLEMENT COMPANYAll they do is toss your money in a savings account every month, take their fee off the top, and when there is a decent amount in there they call your creditors and try to low-ball a settlement. Mail the collectors something to revoke the power of attorney you signed with this company. Then call the creditor and tell them how much you can pay a month. Cooperate with the collectors, answer all their questions as honestly as you can (remember they are bound by law and wont try and take advantage of you). They will ask why you stopped paying and work out a hardship arrangement for you.

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456 Report Long ago Unknown
So what about ppl that lost their jobs and were unable to keep up with their bills and this is where they are at now?  The ppl that want to resolve the debt?  What could a person do that lost their job and was unable to continue making payments, but did try to resolve it and make the payments then sought help with a credity agency to help settle out? What can we do now?

978-686-2255

456 Report Long ago Unknown
interesting, DO YOU WORK FOR THEM?  NCO SUED ME.I COLLECTED OVER 90,000.00 like ZWICKER, STELLER, THEY ARE SUE HAPPY AND THEY REFUSE TO ISSUE A LETTER OF VALIDATION, SUE YOU W/O INFORMING YOU OF A COURT DATE AS REQUIRED BY LAW. there problem they called me up to and over 18 times a day for someone who never had this number. they demanded my SSAN and they demanded my bank account and CC. number. I never owed them and they never told me whom they represented.  they robo called Since this is in violation of federal law to ROBO call or leave a ROBO call on a cell for someone else who is not yours, I won. They point is they don't care. they went in court and lied, they never did it. I played the recor4ed messages off my Voice mail. I told them 60x this isn't the correct number, sent cease and desist letters. Quit trying to make out they are so misunderstood. ZWICKER does the summery judgment and never informs you so you are a no show. No wonder for the president as been disbarred from practicing law.

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456 Report Long ago Unknown
U might get paid with stolen  money

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456 Report Long ago Unknown
get off the web site if all is so good for you. it is great to live in your utopia but not all of us are jjust losers trying to get a free ride.but at some point i question the banks ///how much do they think they should make on loans. lets just go bach to organized crime and the loan sharking rates of 45-50%

978-686-2255

456 Report Long ago Unknown
i am a collector and i used to work for citicards, which is a very corrupt company. (doesnt send first statement to default interest and charge late fees.) Most people dont look at the contract or what they are signing. So in all its 50 percent company for creating a contract that will charge alot more that is owed, and 50 percent consumer for using a product that will get goods and services before you can actually afford them. Credit can really work for you and credit can destroy you. It is this wonderful free world that we live in that allows this to happen. Advertising makes you believe u can have great life moments bc of credit. (Discover commercials- watchin your first child at her opening act: priceless.) dont be suckered in by corporate america. take responsibility and learn from mistakes. "Those who do not learn from history are destined to repeat it." We are all human and mistakes are made. Dont continue in the same path. Put back 20 percent of your paycheck and forget about it. The collector who thinks he or she is high and mighty needs a slap in the face. That is rude to say to your fellow man. we all need a break every once in a while and if you owe something, that break will come. Just have to get the right collector(I WILL HELP YOU)I would say dont procrastinate bc you can be sued. AND depending on the state, wages garnished, lein on property, etc. Not to offend anyone but be responsible you did sign a contract. But once your paid up, forget about credit. It will be worthless in 20 yrs any way.

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456 Report Long ago Unknown
great post... a crash course in how the all americkan money game works and how the sheeple allow it... through their ignorance and submitting to seductive sublime measures... let us all remember that we vote with our money... thank you

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456 Report Long ago Unknown
What the credit card companies don't tell you about are the sweet deals they get from our government officials.Google 'fractional reserve banking'. Google the 'federal reserve'. The entire thing is setup someone to fail. Under government rules, your bank only needs $1000 of actual money to create a $100,000 'digital loan' thats a 1/100 ratio. Imagine if you could do that? Plus they can loan money from other banks to leverage it even further! If they actually had to use their own hard earned money to loan it to you thats one thing, but to collect three times the amount with interest should be criminal. Our own government also loans money from banks which 'create' the money. Google it if you don't believe me. Then we pay interest on that through our tax dollars. Our country has just a few years left of playing 'the game'. Billions of interest paid to bankers. Then its having the IMF rape of financially(or physically as we've seen the head of the IMF do in the news) or let the government do what our citizens need to do. That's default on the debt. The we can start fresh. What does 10% of the world have 90% of the money?Because we let them.

978-686-2255

456 Report Long ago Unknown
Why do so many people think that they can have anything for free. When you use a credit card the is a legal binding agreement between you and the creditor. These companies take large risks lending people unsecured debt. Unsecured debt comes with high intrest rates. This is due to the fact that there is nothing that the company can repo if you do not pay. Credit card companies are not a charity. They are not in the business to give money away because you fell on hard time or because you just don't want to pay. Yes it is unfortunate that bad things happen to people and they can not continue to pay. Does job loss or illness give you the right to walk into a supermarket fill a cart with groceries and walk out without paying? No. Is it o.k. to fill your gas tank up and drive off without paying? No. Why is it that credit card companies are the bad guy. Did you complain when they paid for all of the goods and services that you used the card for? Probably not. When you get a credit card in the mail and open the envelope there is a sheet of paper included with the card that states the APR and all of the charges that can be applied. Its not like they didn't tell you that you would have intrest and fees. You used the card. You agreed to the terms. Why isn't it important to repay a debt that you owe?Lets pretend it's pay day. You go to pick up your check from work and they tell you that you don't have a check. When you ask why they say "Sorry, we have had some unexpected expenses and unfortunately we do not have the money to pay you right now. We had to pay the bill for the lease and utilities. We understand that you came to work every day and that you worked your full 40 hour shift but times are hard. we just don't have anything to give you right now." I bet you wouldn't be understanding. Then you ask when you can expect a check and they tell you "We want to pay you but we can't be sure when we will have the funds." A couple of weeks go by, you continue to go to work because they promise that you will get paid. After you go several pay periods with out getting paid you approach them again and ask where your money is and this is the response that you get "We have good news, revenue is up and we can pay you now. The only problem is we don't have all of the money that we owe you. Would you be willing to accept 50% of what you are owed and call it even?" Is this fair? Would you agree to this? No. When you took the job you expected to be paid for all of your work, right? Do you think it is any different you credit card company? These companies lend people money to make money. Yes they do make money. That is their sole purpose, they are a business. If you don't want to pay your debt that's just too bad. You have too. If you choose not to you can be sued. Don't think that the courts will side with you. You agreed to all of the terms of the card the first time you used it. If you can't pay go see an attorney. You might qualify for baknruptcy. If you think you are too good for bankruptcy you can just get sued. If you choose to work with a Debt Settlement/Consolidation Company you are just stupid. These companies charge you a fee to save money in an escrow account. Then when you have enough money saved up to offer a settlement on one of your accounts they contact that creditor and ask them to take a smaller amount to consider the act paid. If you can't pay your bills why are you paying a company to hold your money for you, Have you ever hear of a savings account. You can get one at your local bank. Most of them will pay you intrest. It might not be much but it's better that paying them to save money for you. Don't forget that while these companies save your money they will not be making any monthly payments to your credit cards. The last time I checked it didn't cost anything to stop paying your bills. Is everything really going to be ok if you pay a company like that.If you want to bad mouth collectors and collections companies go ahead. They didn't put you in the situation that you are in. If you want change something you should start bad mouthing the companies that take advantage of people who are having financial difficulties. Debt settlement companies are the real problem. Collectors want you to pay the debt you made. Settlement companies want you to create another debt to pay your debt. How much sense does that make?

978-686-2255

456 Report Long ago Unknown
Ok, I just pay, but it might not be my money I'm paying with! just sayin

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456 Report Long ago Unknown
im sure there were iron workers who built ovens for the Germans to burn Jews that were doing their jobs. Because you have a job at a piece of dog squeeze law firm doing business for opportunistic clients like discover card with infinite pockets to shake down people using nearly criminal tactics others should give you a break? I paid my bills, i'm not going to give a creditor 30% interest over the next 30 years and pay $30,000 dollars in interest on a 5,000 dollar balance that never seems to go away. Your "clients" are scum, and so are you. expect  the abuse. p****off

978-686-2255

456 Report Long ago Unknown
I hope if you are still employed thru this company you have realized Ziwicker and Associates purchases these debts and cannot represent the original creditors because they have charged off the debt and sold it to your current employer.  You are the debt collector not the representative for these creditors, they make money off you.

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456 Report Long ago Unknown
100 grand a year you can feed a few families I would say.What about us poor b*****ds.

978-686-2255

456 Report Long ago Unknown
what the amazing thing is that we are complaining about Zw and assc, but the fact is I pd Bank of America for years. Realizing that the balance was getting too lrg I cancelled acct. In response B of A jacked the int rate so the balance went from 20k to 28k quickly w/o even using the card and paying 700.00 a month. I went back and looked thru the bills, and if you add up what i pd B of A the last 2.5 yrs far exceeds what i spent. So all of you zwick people that say we are deadbeats who do not pay our bills....screw u...the bank got all the money they lent me plus....they sent u and zwicker to try and collect the ridiculous fees and interest they charged.

978-686-2255

456 Report Long ago Unknown
What you don't seem to understand is that there is something called a "global" rate in which if you are late on your mortgage payment, your interest on your credit cards can go up per the contract. And as far as Zwicker and Assoc., they ARE NOT lying about working directly for the original creditor. All guidelines are set based on the client (whomever it may be.) Zwicker doesn't buy the debt. They are a collections law practice, not a debt-buying company. Typically, debt-buyers do not gain access to purchase debts until after it has been through a collection firm and deemed "uncollectable."  As for the way you all have been treated I am sorry to hear about it. I understand that these are hard times and it is extremely hard to meet your commitments once you've had a hardship. Please though, do not make it out to be the collector's fault. We are not to blame. I am simply there to do my job and feed my children. I treat everyone I come in contact with, with the utmost respect. I understand having been in these situations myself. I have been in accidents, laid off, took pay-cuts, so I can definitely relate. My only advice that I can give is that if you try to make and honest effort, whether it is small payments until income tax time, than they will see you are making and effort. I understand that some people you may have dealt with have been harsher than what is necessary. Please don't turn this into a stereotype though. Not all of us are bad or hateful or even dishonest. We are simply doing our jobs so that we are able to maintain ourselves and no, we are not ALL making 100 grand a year. I still struggle to pay my bills but as long as you work with the creditors as best as you can, they most likely will work with you. I took my job to help, not hurt. I make the calls to help set up arrangements for before litigation begins. I don't want ANYONE to have to go through what litigation can bring. And yes, I am able to go home and get a good night's sleep because I know that I abided by the laws of FDCPA and that I may get to help atleast one person a day (as long as they pickup the phone.) I wish you all the best of luck and I know you will get through your hard times. Just make and effort to do what you can, that is all that is asked.

978-686-2255

456 Report Long ago Unknown
So what you are saying is, it really doesn't matter what the creditor does, (in some cases the creditor does illegal things to lock you into paying much more than you originally agree to, or have a payment due on sunday that they recieve on saturday yet charge you late fees because they can;t process it until monday, or flat out change your account from a fixed rate to a variable rate) you are responsible and a deadbeat for not just paying it? All of the above are illegal, and they should not be able to do it, yet they do over and over than hire firms like Zwicker to collect when the debtor fails to pay. Most people can't afford attorneys to fight a credit company that has millions of dollars and law firms on retainer, and if they don't, they get money from the government to take care of their mismanagement of funds (just because all of their debtors don't pay them does not give credit companies the right to not pay their bills either, yet they did....and taxpayers bailed them out, they did the same thing the people they are going after did.) You are not trying to collect to pay the original creditor...you are a liar. Your firm (or the collection agency it works for) has bought the debt for pennies on the dollar, the credit company charged off the debt (in most cases) that is why you don't introduce yourselves as from the original creditor but as an employee of a collection agency and not an employee of (blank) bank or credit card company, furthermore we could not go to the orginal creditor and negotiate a payoff, they will refuse to talk to debtor and refer them to the collection agency, . We are not fools, nor did most take on the debt with the intention of defaulting...sometimes it is the change in the creditors policy or an amendment to the agreement that causes the default. Other times it is a late payment that prompts credit agencies to raise interest rates to an out of control amount. It should be illegal and there is legislation now making it such, but do not think that any of that gives you the "right" to pass judgement on the people you are calling, try listening to the reason there was a default maybe you will gain some insight as to what is going on. Maybe you will change your mand about the "deadbeats" you are going after and realize that there are usually good reasons why someone fails, not always that people just want something for free.

978-686-2255

456 Report Long ago Unknown
first off i would like to say i just started at zwicker and a**. i had no idea what it would involve. you people must understand it is the creditor that wants the money not us. they hired our firm to collect the debt. why should you get things for free. i understand the hard times believe me and have been behind but at least i know it is my responsibility to pay the debt. trust me it is a job a hard job. we know times are hard but our creditors want their money as they deserve. i have found that zwicker really does try to work with the debtors and of course there are a few employees who take advantage of that but for the most part we are there to do what we were hired to do and make a living to feed our family. so give us a break and pay your bills

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456 Report Long ago Unknown
I cant spell. why do creiet cards go  to  kids in collage  befor the have a job.

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456 Report Long ago Unknown
Are you mental? First things first, learn how to spell. Secondly, the only thing a collector is doing is making a living by enforcing the contract that a consumer signed. Regardless of what your situation is, you are in it because of your financial irresponsibility. The economy has cut many people down to size and hopefully with many people having nothing they will learn from their mistakes and start a budget to manage their finances instead of binge shopping and running up 1000's of dollars in debt on credit. I was always told by my grandfather, if you can't pay for it with cash you probably don't need it. I understand that there are some things that do require financing but credit cards are not to be used to buy a bunch of stuff that you knowingly couldn't afford otherwise. If you make the debt you will have to pay for it at some point. The only decision you are left with is will you pay it now at the current balance and on a voluntary basis or later with a bunch of fees that you WILL HAVE TO PAY on an involuntary basis.

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456 Report Long ago Unknown
Yea!!! you earn 100K well lucky you!!!..that doesn't give you a right to constantly call and threaten people, I would hate to know you in person if you sleep soundly at night by harrassing people!!!!!!!!. I would sooner be broke and sleep soundly at night with the knowledge of knowing I don't teach people like scum because they have fallen on hard times. People want to pay their debt but CAN'T because they don't have the money right now, why can't you just be patient and wait a while while people try and get back on their feet? Then you can get your greedy little hands on their money. LOOSER

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456 Report Long ago Unknown
Gee Kate that is great, you are a wonderful person and did a great job...by the way when you planned for that rainy day did you plan to lose your job for a year and a half, struggle to keep food on the table for a family of 4 while keeping all of your bills current? Were you too experienced in YOUR job that potential employers would not hire you because they knew they could not afford your salary (even though you specifically said you will work for half?) I doubt it...you had to have some kind of steady income while doing what you did, some are not as fortunate and the jobs they had for many years disappear because of the economy and no fault of their own. They are not able to find work that even comes close to paying the salary they had made for many years. It does not take long for you to get behind even if you planned for that rainy day when you suddenly have no income.

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456 Report Long ago Unknown
come on, why are you on this site commenting?  If you have such a perfect life and no one is calling why are you responding to these messages?

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456 Report Long ago Unknown
Come On, Come On, get off your high horse!I was just like you, had a great job, paid my bills, had full life/disability/health/auto insurance, saved my money and kept to my budget.  And you know what happened?One day on my way to my wonderful job, some bi*** in an SUV decided the stop sign didn't apply to her and T boned my vehicle.  I spent a year in physical therapy and now live with permanent disability.  I can't work anymore.  And all that insurance I had?  I'm still fighting with lawyers to get.  Over three years have passed, my savings are gone, my IRA is cashed in and gone and I get food stamps and medical for my kids now.  I went from upper middle class to welfare in a millisecond.  ALL THE PREPARATION IN THE WORLD STILL LEFT ME DESTITUTE.  IF IT HAPPENED TO ME IT CAN HAPPEN TO YOU!SO GET OFF YOUR HIGH HORSE, WE AREN'T ALL THE IRRESPONSIBLE DEADBEATS YOU SEEM TO THINK WE ARE.

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456 Report Long ago Unknown
plan for a rainy day and do not expect to have what everyone else has. That is the best way to stay financially aflot in these times. good or bad economy it is a good rule of thumbGood advice, not always easy to follow, if you are fincially sound to plan for worst case senerio good for you. Most people even with excellent planning can not plan for everything. Example I know a family member that lost their job, got divorced & then was in the hospital extremely sick for 2 weeks, in that order. Granted that is an extreme case, but how do you plan for something like that. You can't. Some people have been laid off for almost a year because they are looking but are "over qualified" for the positions they apply for. In this day and age with the way things are going, you can not make open generalized statements, they just don't work. As a tax payer who is single and has managed to put her son thru 4 years of college I am glad that there are ways to collect money from people. Why should I have to pay for your mistakes as well as my own bills?As for this statement, I hope if anything ever happens to where you are in the same situation as the other people are here, you remember this & don't complain when collection agents start calling you. Not that I would wish that on anyone. But once again you never know what could happen & a generalized statement like the above can turn around & bite you.

978-686-2255

456 Report Long ago Unknown
actually you are in correct federal guaranted student loans like Tgslc (texas gaurantee student loan corp) can attach social security. And rightly so in some cases. Not everyone is a deadbeat true but many people do attempt to slither out of thier bills if they can find a way. As a tax payer who is single and has managed to put her son thru 4 years of college I am glad that there are ways to collect money from people. Why should I have to pay for your mistakes as well as my own bills? live within you means, plan for a rainy day and do not expect to have what everyone else has. That is the best way to stay financially aflot in these times. good or bad economy it is a good rule of thumb

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456 Report Long ago Unknown
Not everyone is a deadbeat.  Some people have become extremely ill and can't work anymore.  You are not above anyone all you do is harrass and become rude.  So get off your high horse.  Just like your message here. Also you can't touch peoples social security.  My mother found that out and your company lost.  So it is possible

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456 Report Long ago Unknown
OK I have now dealt with these nasty folks directly. They have zero regard for humanity or the decency of a situation. They are rude, ornery and frankly think they are simply 100% correct. The reality is that by the time they are calling you...they have purchased a debt from xxx creditor......so if you owe an amount.....the company you owe has probably written you off already. So, you are now negotiating with ZWICKER....they are on the hook for whatever they bought the debt for........NOT WHAT YOU OWE.Yes, they will serve papers and take you to court......if the amount is enough.....so be prepared....but in the end you are in negotiations here folks......and its not for what you owe  any more.......and its not with the credit card company. So, verify with whomever they say you owe money to. I wouldn't trust these guys at all. Then if the company has NOT written you off, tell them you want to work out a settlement. If they have written you off then your deal is only with these guys.........and they try to play hard ball because they have no regard for you or your situation. NONE.

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456 Report Long ago Unknown
right on go for it i'm sure the 99 % will be behind you . may i suggest starting a FB group to spread the word about those scumbags and others like them .....

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456 Report Long ago Unknown
They have to personally hand you the summons. Otherwise don't worry about it. I had a number of lawyers trying to get me to use them since they get these notices of a court number. I called my legal shield lawyer and he told me that they may be taking me to small claims court in the future. Until I get a legal notice from the court, I don't have to worry about it. He said when I do get a notice from the court, to tell the collector to prove the debt. That buys you time. He also said to call him when I get the official court notice and he will tell me my options.

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456 Report Long ago Unknown
I have been with a company for two years working on getting everyone paid.  Now Zwicker & A**. has sent a "summons" to appear. I got it a month after it was dated. No court seal, no clerk signature.  What do I do to fight this?   My consolidation company doesn't want to help me any further on this one.

978-686-2255

456 Report Long ago Unknown
I recently received an order to appear in a civil lawsuit with Zwicker & Assoc. on behalf of Discover so they claim. I understand when I called for the fax number that the message I heard is that they are a debt collection company, so this tells me my debt that Im sure Discover has written off, has been purchased by Zwicker as a means to make money. I DO NOT owe Zwicker & Assoc. My debt has been consolidated for the past 2 yrs, and all my creditors have been paid off and Im down to the final 2, which Discover is one of them. I have been getting offers from other creditors that they would like for me to come back as a customer because I have taken control of my finances and have been doing Good. My question is, Why so late in the process do they want to sue, Discover was put on notice a long time ago. DO NOT be AFRAID to fight for your rights, especially if you are doing what it takes to get your debt under control.

978-686-2255

456 Report Long ago Unknown
There you go. Good for you  All these people get their bail out monies and we get crapped on as usual. everyones debts should all be erased...Then given x amount of money to start over just like monoply.  14 trillion + in debt. Let Zwicker go collect that or chase an ambulance.

978-686-2255

456 Report Long ago Unknown
If they are suing you,  you must appear in court, take all your documentation with you to show the judge you have been paying the card company directly. This case will be thrown out, you may counter sue and may or may not collect money from them. Also before you go to court make copies of everything and send one copy to the Law firm & one copy to the Judge's asst. I asure you the law firm will call to work things out and will even try to get you to agree to a consent judgement - DO NOT CONSENT!

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456 Report Long ago Unknown
I'd like to know more about any class-action suit against Zwicker. I have a Discover account that has been kept current it's entire life but mysteriously ended up in Zwicker's hands in 11/2009 (--I've been trying to get documentation that shows how I am in 'breach of contract' ... I don't know if I expressed some hardship or some forbidden frustration for their reducing my credit line, or what...) Anyhow, I kept paying Discover directly, online, on time, and month after month; always over the minimum due, and sometimes over $500 at a time (on a less than $5K balance). Yet despite this I just received a summons from Zwicker; I am being sued for $7,500. They've done nothing more than make personal attacks and threats in the months leading up to this, and they have been unwilling or unable to provide me with any information on how my account ended up in their coffers. Discover will not speak with me directly either.

978-686-2255

456 Report Long ago Unknown
I totally agree with you...people do not get behind on debts because they are lazy or irresponsible... they get behind because the economy hits the skids, one or more people in the home have lost their jobs, and then the credit card companies stick it to us lowering our credit limit to LESS than what we already owe, then charging over the limit fees and then late fees when you can't pay!  Get over yourself, whoever the person is who works for Zwicker!  You should be ashamed of yourself!  It could be YOU on the receiving end of this crap!  These people ARE scumbags and I will not deal with them!  If they want to take me to court, I am loaded for bear ... let them bring it!  I have kept extremely precise notes of all the calls and threats.  If they take this any further, I will join in the class action lawsuit that has already begun against Zwicker!

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456 Report Long ago Unknown
To the girl or guy that thinks they are so high and mighty you should know that I along with alot of other people were once so high and mighty.  My company folded and I lost my job and that is why I can't pay my bills.  People don't choose to not pay bills on purpose and ruin their credit.  To be harrassed because of this misfortune is just plain crazy.  You should be thankful no no you should be blessed you have that cushy job of yours making over 100k a year and you should pray no one or yourself causes that to go away.

978-686-2255

456 Report Long ago Unknown
i work for zwicker....all u say were scumbags but were just doing our jobs. calling you guys who dont pay ur bills. if you cant afford it dont buy it. I know the economy is bad but that doesnt mean u dont have to pay your bills so before you go off on us remember we HAVEEEE jobs and we pay our bills so dont speak to us like we are below you because were actually above you...some of us make up too 100k a year just calling you deadbeats...whether you pay or not we sleep soundly at night.and good luck with your countersuit...you owe money you have to pay if you do get any money out of the suit itll be used to pay me for doing my job

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456 Report Long ago Unknown
If you need further help, let me know, especially if you get a presentment in the mail. You have to respond within 30 days or that gives them jurisdiction over you. I have they don't have an answer for.Let me know if you need any further assistance...Thanks,Scott

978-686-2255

456 Report Long ago Unknown
Don't get Snippy ~ works both ways. I have been hounded for a debt belonging to  a man that Died over a year ago. I was not maried to him did not live with him, and most assuredly did not have any joint bills,  accounts or properties~ I was advised to settle the account before further action was taken agaisnt me ~ All I did was send the mail they kept sending here BACK to them marked Deceased left no address~ From then on they kept mailing his mail and Threats to my address and then the phone calls started ~ That Is just plain wrong ~ you people are twisted, I had to pay a lawyer to write them and threaten them before it stopped ~ it took a year ~

978-686-2255

456 Report Long ago Unknown
Just so people reading this in 2011 and beyond are aware, this skank works for Zwicker and is full of sh*t.When your unsecured debt, ie. credit card, is "written off" by Visa, MC, etc, you are no longer bound to their terms.... meaning, that the original credit card company wrote off your debt and sold it to this scumbag's boss...and this filthy little rat will call and harass you and your family members for money you no longer owe. Remember, when it's charged off you are no longer legally responsible for the debt because it no longer exists... Your credit rating will be tanked but that's life, right?  What you don't need to do is pay or even acknowledge dirtbags like this because they have ***no legal right*** to collect!!They're just hoping you're stupid or scared and will pay them money to get them off your back... you don't owe them anything!  And paying them *does not* repair your credit!!  You will still be shown as charged off on your credit report which is almost as bad as bankruptcy.  So whether you pay this scumbag or not your credit will still be tanked.  If you really owe money and someone really wants to collect it, they'll sue you...

978-686-2255

456 Report Long ago Unknown
I disagree with your suggestion.  When an account is turned over for collection and the bank has already been made aware you have an attorney who has contacted them, the banks obviously have that information.  It appears to me that someone is less than honest handling the accounts for collection.  Do you think the banks should be held accountable for failing to turn over all the information pertaining to accounts and representatives when they write them off, then sell them off to collector's for pennies on the dollar?  Or perhaps Zwicker and other agencies of sorts should be held accountable on the same level?  It is amazing how little collectors claim to know.  My opinion is that many the banks have created their own problems.  Minus of course, their bail outs at our expense. I'd prefer to hear someone well experienced in how this system of collections really works, disclosing their earnings and terms of employment, etc.  I can only assume no one mentions it because it stinks like "a rat."

978-686-2255

456 Report Long ago Unknown
That is true, but the collection agency must have the means to call your attorney to verify this. Either you did not give Zwicker & Associates the name and telephone number of your attorney, or your attorney is not doing his/her job and contacting Zwicker to update them.Basically, don't get snippy with the collectors when they ask for your attorney's information.

978-686-2255

456 Report Long ago Unknown
Why do you call someone who has legal counsel, which is against the law in all 50 states. You can ONLY contact the attorney representing the person, not the client once legal counsel has been obtained. Stop treating people like they're stupid and don't know the collection laws and their rights according to the Fair Debt Collection Act. If they have legal counsel, you need to call them not the person.

978-686-2255

456 Report Long ago Unknown
this is true - if you do have a dispute with your account that may not have been resolved prior to our firm the best thing to do is to fax over the dispute asap as well as the documents backing up the dispute and why you are not responsible for the ongoing debt. It does happen, there your dispute will be on file and referred to the creditor but keep in mind it has to be prooven that it is not your debt and with that the fax will have to contain as such. if not a dispute the best thing to do is to call in and speak to a rep and try to come to an agreement to resolve.

978-686-2255

456 Report Long ago Unknown
Zwicker former employee...All you have to do is call and get the fax # and send them in your proof..Once you have sent in the proof the support team will note your acct for the fax and contained information...Good luck

978-686-2255

456 Report Long ago Unknown
They are calling and harrassing me about a loan from Sallie Mae also. My name isn't even on the loan anymore and I told them that I had paperwork to prove that, they said they didn't care "the paper in front of me has your name on and that is who needs to pay for it!" After going at it for about 15 minutes she actually got irritated enough with me that she hung up!

978-686-2255

456 Report Long ago Unknown
Either way they are scumbags they are coming after me for a mishandled loan that sallie mae screwed up from the get go...Instead of doing some actual work other than harrassing myself and the co-signer (who paid Sallie Mae to get off the loan).  These dopes are setting themselves up for a counter suit and I am jumping with joy the more and more I find out about them....Companies like this should be wiped out.  Especially in times like these when people can barely afford to get to a job!  Just pure scum!

978-686-2255

456 Report Long ago Unknown
Unfortunetly Zwicker and Associates can sue you.  The correct statement is that the debt is unsecured but Zwicker and Associates has attorneys in almost every state.  When they file suit against you for on behalf of the creditor it turns the judgment onto the debt making it SECURED and not unsecured.  Once they judgement is in place and this is now a secure debt they have the legal right (state laws prohibiting of course) to garnish wages for this debt, lein your property and levy your bank account.  In some states (Michigan especially) they will actually repo cars and other property and sell them at a public auction.Not to mention kenneth zwicker is not paul zwicker so they are different people but there is a zwicker and associates office in the state of california with a practicing attorney licensed there to litigate on their behalf.

978-686-2255

456 Report Long ago Unknown
According to the company's profile (http://tinyurl.com/3plwm9) there's at least one workable lawyer on staff: Robert W. Thuotte. As for the president, ...PRESIDENTPaul W. Zwicker admitted to bar, 1979, Massachusetts. Education: American International College (B.A., 1975); New York Law School (J.D., 1979). Practice Areas: Civil Litigation.There's more about him elsewhere, such as news for the California Bar Association:http://tinyurl.com/3rhwq7KENNETH D. ZWICKER [#116486], 46, of Chatsworth was summarily disbarred Aug. 21, 2005, and was ordered to comply with rule 955.Zwicker was convicted of one count of mail fraud in 2003 and placed on interim suspension in 2004. Because the offense was a felony that involved moral turpitude, he was summarily disbarred.

978-686-2255

456 Report Long ago Unknown
Zwicker & Associates collection agency.

813-374-0163

16 Report Long ago Unknown
Same here only ........caller id is blocked and comes up as private number....they are driving me crazy ......heres some suggestions .....try to get a number you can call them back at, say right now isn't a good time and you'll return they're call when your free....or tell them you have your phone tapped by your local police...due to the numerious calls you've recieved....but its the universal studios one also, i'm in Prince Edward Island, what worked tonight for me is, when they asked to confirm my birthdate i said it was incorrect, and they asked my husbands name i said it was none of their business, they got frustrated and hung up on me....THE NERVE!!! Good Luck To All!!!

813-374-0163

16 Report Long ago Unknown
they called me at least 3 times a day, .. i'm always working when they called so i've never answer to the call.. i didn't call back because this area code seems to weird for me.. but they keeps calling it's being two weeks that they call me ... i got other number that they call from 813-374-0163, 813-374-0156, 813-374-0168.. i'm really tired of this.. i want them to stop but i don't want to answer.. so i dont know how to stop them...

813-374-0163

16 Report Long ago Unknown
They keep calling over and over again until one day I finally answered to some obnoxious woman who wouldn't let me get a word in. When I was finally ALLOWED to speak, she told me I won a trip to Florida or something with some contest I entered on line.  I asked her when I supposedly did this. The time and date she gave me was when I was at work!! She tried to argue with me that I had because she had all my info right in front of her, and when I said that's impossible she basically told me I was lying!! The balls of this woman! I told her I wasnt interested in whatever BS she was handing me and hung up. To my amazement they called again this morning!! There has got to be something we can do to stop this. I have contacted the DO NOT CALL registry and was informed that it could take up to a month, so I guess I will have to wait and see! Good luck to the rest of you and if anyone has any ideas, please share them!!

813-374-0163

16 Report Long ago Unknown
I had a missed call fom a 813-374-0118 around 6h42 pm, and then from 813-374-0163 around 8h54 pm, and I told my husband that that area code is weird, since I live in Montréal, its not an area code around, so I got on the internet and found this site, and Im happy I have so if they call back, I can tell them to get lost!

813-374-0163

16 Report Long ago Unknown
hey. i got a phone call from them. Lol! i was calling the police station before i even searched the number! its very obvious to tell if it's a scam or a fraud. just say you do not say your credit card number over the phone to any one that calls you asking for it. then see if they give you a number you can call and call that number into the police. :P

813-374-0163

16 Report Long ago Unknown
Has called our home three times, during the day, asking to speak to our child (!) Refuses to answer questions as to why they are calling.

813-374-0163

16 Report Long ago Unknown
They called me 5 times today but I didn't answer, I found the area code really weird, they don't leave messages but they annoy people sooooo much!813-374-0163 and 813-374-0164

813-374-0163

16 Report Long ago Unknown
got a call from this number twice in the same day... missed the call both times and then googled this number and glad i saw this page.

813-374-0163

16 Report Long ago Unknown
Received 3 calls for my wife advising her that she won a vacation. I took the 3rd call and gave the girl a piece of my mind.

813-374-0163

16 Report Long ago Unknown
i reseved a call from someone at this number 8133740163 just tonight at 9 45 pm monday aug 4th 2008 i want this person found and arrested

813-374-0163

16 Report Long ago Unknown
how can we stop those calls .. i receive lots of calls from 8133740163 8133740118 8133740165 8133740161 8133740154 im always working when they call so i cant tell them to stop but its on my cellphone so i will have to pay for those calls i think :S

813-374-0163

16 Report Long ago Unknown
stupid idiots called me, tried to tell my girlfriend i won a trip.. got all excited for no reason,, bah, looking forward to when they call again cause they are getting a mouth full

813-374-0163

16 Report Long ago Unknown
We recieved two phone calls within the span of two hours tonight.  The first time my fiance answered the phone and it was the nervous guy.  He wouldn't leave a message and was trying to get off the phone quickly.  After they hung up he went onto the computer to look up these numbers and found this site.  They called back after that but we weren't home, they didn't leave a message.  I am curious to know what "prize" i've won...sounds to me like they will be calling back again...looking forward to that conversation!!!

813-374-0163

16 Report Long ago Unknown
This is a universal studios scam/promotion where they claim you have won a trip, but ahve to pay... There are three numbers that they have called with the same story.813-374-0159813-374-0162And this one...813-374-0163If you look up the number ending with 0162 there is a list of other numbers too. All the same company...

813-374-0163

16 Report Long ago Unknown
Try to get my bird date and try to know if I used my credit card. This negro guy call three times. But good luck cause I give him the wrong information about my identification. I hope he will be under arrest.

813-374-0163

16 Report Long ago Unknown
Fake fraudulent call from Florida at 813-374-0163. Very mouthy negro worman advising we won a holiday to Universal Studios. At first it was a loser wimpy guy calling....then 5 times after that in 30 mins was this crazy woman. Also, my wife recently was contacted by MasterCard Fraud Dept to be advised they had found some suspected FRAUD related to her card and they have issued her a new card and nulled out the original card for her protection.

978-686-2255

456 Report Long ago Unknown
Thanks Jay for your commentary. But, from what I see happened to you when you did pay Zwiker, I wouldn't have paid them at all. I don't want the IRS consequenses from the 1099 you could receive from your "gain" on making a settlement. From what I see, you are what is called judgement proof. Everybody who makes under a certain amount of income per year depending on your state, or is living on exempt income which includes social security, ssdi, 401Ks, IRAs, welfare, unemployment, etc. has the power to stop a collector or creditors from obtaining the judgement in the first place. Check with your local Legal Aid society and they should show you how to write a letter and send it to collectors and creditors by certified mail. This letter has to state certain things, such as the account ID and the fact that you do not dispute nor validate the actual debt, but that you cannot pay because of the particular type of income you receive, and you have no idea when this will change, but you will let them know. I learned this from my own legal aid society and it has stopped all creditors from pursuing me. There are a couple I missed and I had a default filed against me, but I answered it immediately in justice court. People do your homework and don't let these employees of Zwiker or collectors like them tell you that you are trying to get a free ride like I saw in some of these comments. I wouldn't call them scumbags, as they are just trying to do their job, but when I see that they say they are making 100K a year, and they go online to embarrass those who have fell on hard times, I just figure, they will find, Karma is a bi***!

978-686-2255

456 Report Long ago Unknown
I just want to step in here. Even though I was laid off last year, and my wife reached stage four Breast Cancer which basically precluded me from working so that I could take care of her, I still continued to find ways to pay my credit card bills. BUT, all of the companies then, for no apparent reason other than greed, raised the interest rates sky high. At that point, it became nonsensical for my to beat my head against the way and continue to pay, as the principal never decreased, and in fact began to increase. I say, let them come. I am now on Social Security, which they can't take, and living off my small remaining IRA's, which I am pretty sure they can't touch, and live in Florida, with a Homesteaded house that they can't touch. Any other money I have, I keep in cash. OH, and by the way, I did settle one large debt last year, only to find that I am gonna get a 1099 for the amount the debt was decreased, which is gonna cause trouble at income tax time. Frankly, I would rather owe these guys than the Federal Government.Oh, the one settlement I made was with Zwicker. They JUMPED at 40 cents on the dollar. Anyone interested should offer 30 cents and see what happens.

978-686-2255

456 Report Long ago Unknown
your lucky if your debt relief company stepped in.  How did your case go.  I was working with a debt relief company and as soon as I told them i was given a summons -- they said they cant represent me in court -- even though they are a legal firm.  but they said they will continue to negotiate up until the court date.   Sort of upset with my debt relieft company because they were working this debt for 2 years.  I had cancer and because of medical bills and because I wanted to be out of debt before I passed away, i turned over some of my credit cards to two different settlement companies.  I did two companies because they settle one debt at a time.  I needed to sets of debts to be negotatiated in parallel so that I could get these paid off by end of 2012.   Just wanted to know how your case went.  I'm hoping they dont actually file....

978-686-2255

456 Report Long ago Unknown
I just received a phone call from them and told them that they need to contact my debt relieve company. I was paying my credit card bill with no problem and then the credit card company jacked up the interest rate and then I couldnt afford it. I always paid my bills, with the economic down turn things are tight. I sent countless correspondence to the credit card company explaining the situation and to contact the debt relieve company. I see that they never did. It is a loop that nevers ends. Even if this goes to court or settles out of court any judge will see that I handled it the right way. I have all the paperwork showing that money comes out of my checking acct and is put aside to pay the debt. I even have points of contact with the debt relieve company who will fight for me.

978-686-2255

456 Report Long ago Unknown
I applied for Capital One credit card yesterday and these guys somewhere hacking the phone information from them. I got a call from this number and they left a message asking for someone else for debt collection. just added this number to my screening list. So guys keep enjoying call my number..

978-686-2255

456 Report Long ago Unknown
WHEN YOU FILE COMPLAINTS WITH THE STATE ATTORNEY GENERALS - MAKE SURE TO INCLUDE THIS THREAD -The employees continued ILLEGAL HARRASSMENT needs to be brought to the attention of the Attorney Generals you report them to Your file with YOUR State Attorney General as well as Massachussets Attorney GeneralLink to all State Attorney General Websites www.naag.org

978-686-2255

456 Report Long ago Unknown
If you have a suit pending with them you should print screen shots of this to take to court.  WHAT THESE UNEDUCATED MORONS FAIL TO REALIZE IS THAT THEIR IP ADDRESS WAS NOTED WHEN THEY POSTED.  IF THEY WERE DUMB ENOUGH TO POST AT WORK, YOU CAN PROVE THEIR HARASSMENT TACTICS.

978-686-2255

456 Report Long ago Unknown
Why are employees of Zwicker & Associates allowed to post on this site?Disinformation is key to collection agencies ability to sign on new contracts and new clients.  Not being able to pay past due accounts which have been given to collection agencies is a fact of this economy.  This industry is very poorly regulated so false legal demands are a daily practice.  Do not waste your emotional energy on this collection agency's calls.  Simply note the number if you are fortunate to have caller ID, time and date and do not answer the phone call. In my case, they are trying to collect a debt from a stolen Visa Credit Card which the ring of theives are now serving Federal Time in West Virgina. The Secret Service and Federal Victims Notification was not enough for Zwicker and Associates to stop calling.  No documentation has stopped Zwicker from calling. No certified letters demanding the calls to stop has helped.  Simply do not answer their calls.  It is your phone  - not theirs!

978-686-2255

456 Report Long ago Unknown
You defend a collection agency because you work for them. If you truly are in the colection field then you know there are not many out there that are above board and follow federal and state laws. In fact if consumers do there research there are numerous ways to get JDB(Junk Debt Buyers) to stop calling by law. More cases are won by JDB by ther consumer not showing up in court. Send them a validation letter, make them prove you owe, the burden of proof is on them, 90% of the time they cannot either because it has been passed around to so many JDB's that there is no more paperwork or they are trying to collect on a debt that is out of statue of limitations. As stated below yes you may owe the debt but people can still be treated with respect, which is something that employees in the collection business do not know anything about. Defend them if you will but look at all the law suits filed and won against JDB's for violation of state and federal laws. So you may be one of the ones trying to do your job professionally but there are 1000s more whom skirt the laws and are disrespectful. Consumers please do your research, every thing you need to know and do is on the web.

978-686-2255

456 Report Long ago Unknown
Yay if they keep doing it file harasment against them. My son is 15 yrs old and says yal bicer more than a cupple of hens. I mean instead of argueing and bicering why don't yall just work together on finding resolutions for your problems. The lawferm shouldn't act like but to everyone, but on the other hand we have no idea what kind of a day each of them had a person can just take so much crap  before they blow up on the next person the call. Instaed of ignoring the harrasing calls and causing more tension answer the phone explain your situation pleed for simpathy and hope they'll work with you to solve this problem, if and only if after showing your kindness to them and asking for they're help they still act like snobs and refuse to work with you, then and only then do you have the right to bicer. Plaes dont complement on my spelling i know its atroshus, i hate it when eople have to coment on spelling and say something negative about it. It means that they have nothing beter to say to diffend their arguement they just have to complain about something, and make a negative statement.

978-686-2255

456 Report Long ago Unknown
it funny that employes of zig znd dig are on here posting to cover there a***s lolol.you must not be that good yea people owe and most people pay.but whem you harrass someone they will take there ever loving time to pay

978-686-2255

456 Report Long ago Unknown
hey mike. as for the calls zwa gives to you - what may be the case is the consumer we are calling had your number prior to you, therefore you may have many calls from alot of places for this man or woman. we have the last known number there is where you get the calls. what i do is take out the number while i am still on the phone being told it is the wrong number and we take it out of the system. if the individual has more than one file that later comesa in then it may happen again but not likely. but the number will get taken out. i get calls at my house all the time but i know that it is due to i have a recycled number. it sucks.

978-686-2255

456 Report Long ago Unknown
mike - 13 Jan 2009I have been getting threating phone calls from this agency for two months..And they are looking for someone else.. yet continually call me.......They are rude and refuse to take my phone number out of the file to stop calls....Anyone know what can be done?Don't forget that your number came from someone no one pulled it out of thin air.  Believe it or not, many people put in false numbers when they apply for credit.  Also depending on how long the card member has had the account opened, it may have been a number they had when account was open. More times than not if it is not you they are looking for it will be removed.  Also remember that a lot of people that owe money lie about numbers just to stop calls.  So when we do a reverse search if a phone company still has it listed as a number for the person they are looking for, it wont be removed.

978-686-2255

456 Report Long ago Unknown
I have been getting threating phone calls from this agency for two months..And they are looking for someone else.. yet continually call me.......They are rude and refuse to take my phone number out of the file to stop calls....Anyone know what can be done?

978-686-2255

456 Report Long ago Unknown
These loons have been calling me day and night for WEEKS. I dunno about Amex (I can't afford their credit cards haha), but I do have some defaulted student loans from the harpy known as Sallie Mae (who is in SO much crap from the government right now, they're panicking and it's hilarious!). All of my other debts are being paid slowly but surely, and their creditors are working patiently with me, even it's only $20 at a time. So I have NO clue what money they think I "owe" them. But I've gotten to the point with harassing phone calls that I've started getting mean right back. Isn't it funny how legit companies like NCO Financial will take my tiny payments and give me a pat on the head on my credit report, but scum like Sallie Mae has henchmen to harass you day and night? So I'm relaxing tonight, finally a night off (I work overnight), and the phone rings. It's this number -again-. I decide to answer it. Silence. More silence. "Hello? Helloooooo?"Finally,: "Yes, is this Sheeshawna?" (Can't say my name? Now I really don't wanna talk to you.)Me: "Who's this please?""This is Mr. Wilson." Very rude, very blunt."...Frooooom?" The number always shows up as No Name. "Zwicker and Associates Law Firm.""Ah, I see. You do realize that it's almost 9 o'clock, don't you?""So??""So unless you're a lawyer in Vegas, all other law firms close at 5. Good night!" -click-I'm not that dumb. I'm not going to give money to whatever nut calls in asking for it. I don't even do that to telemarketer "charity" programs. But I do know business hours and some basic laws. I live in a state where they can't garnish me, and I have no assets. I have no car, no home, and even my very modest engagement ring is just silver. They say they want to take me to court. I say go for it, babe. You can't be arrested for your debts, and unless they can prove I owe them money, they've got nothing, and all the people I honestly owe money to I'm working with directly. Not their henchmen. Should you be afraid? No. Nunzio and Guido can't do anything to you, especially over the phone. If you ask for paperwork, you'll never get it. If you ask for names, numbers and dates, you'll get mumbled answers and numbers that go in circles. You'll see fuzzy math. But all they can do is threaten and bully and pray that they scare you enough to get you to fork over your money. It's just like being mugged on a street corner, but over the phone. And your money will never go to the people they "represent" because of that fuzzy math. Should you be wary? Unquestionably. The best way to do this is to get a copy of your credit report, either online or from your banker. A good credit report will tell you who claims you owe them money, which companies have called in to say "good job! You pay your debts," even if it's a collections agency (not all of them are scum!). It will also tell you which collections agencies have looked in on your credit history and which ones are currently collecting from you, and the company they represent. Example, in college I was a dumb kid and ran up a small credit card. But I had no job and no money, so it defaulted. The bank that owned the account sold my file to NCO Collections, whom I make payments to to get it paid off. The credit report shows the bank and that their file on me closed, and that NCO collects from me to pay the bank back. See? Not so scary or hard as it seems. But look through carefully and you'll find nothing from this bogus attorney firm. So now that you're armed with the truth, remember that they are scum and will play dirty, so if you have assets, protect them. Is your car paid for? Are you the only one listed on your home's title? What are your state's laws on garnishing wages? These are important things to inform yourself about. If after looking on your credit report you find nothing to link you to them, ask your banker or family lawyer what is the best way to get them to leave you alone or to defend yourself from them. Not all problems will go away if you ignore them. But in those cases, arming yourself with the truth and being prepared for a fight will usually carry you through a lot better than it will them. Good luck and remember, don't be afraid!

978-686-2255

456 Report Long ago Unknown
I have several missed calls from this number on my cell phone. I finally decided to call it back, and after several rude employees, I got a supervisor who could not explain where they got my number or why they were calling me. I demanded that they remove it from their "list" and dared them to call me again. I'll be mailing my cell phone bill to them to pay!!

978-686-2255

456 Report Long ago Unknown
its against the law to call you at work even on your cell phone talked to an atty about this

978-686-2255

456 Report Long ago Unknown
I am not an employee with Zwicker. I hate these evil, wicked people. I truly believe they do the devil's work. I'm not overstating that -- they are truly wicked. There is only one thing they care about, and that is greed. Unfortunately, what several posters have said here is correct -- I was sued by Zwicker & Associates after defaulting on a credit card due to extreme financial hardships that I never expected could ever happen to me. I was a perfect customer for this credit card company for years, then they sicked these vile predators on me. Sued, got a garnishment against me without me even knowing what was going on, then sought garnishment for my wages. Were going to take three full paychecks, then 25 percent of every check after the fact. When they learned they couldn't harass me and terrify me, they started repeatedly called my boss. Truly devastating. I'm now fighting them in court and the court seems to be giving them a lot of breaks. I think the whole system is fixed by greedy civil lawyers. I'm in the process of organizing people to perform protests at their individual offices across the country. I'll post more when I get it all together. Someone has to stand up to these people -- they are literally harassing millions with no compassion and ruthless tactics. They are what are known as zombie debt collectors. Beware and as soon as you hear from them, I am telling you right now: hire an attorney, even if you can't afford one. I tried to deal with them within reason given my situation, and all they want is every dollar you make.

978-686-2255

456 Report Long ago Unknown
Your cant file bankruptcy on a student loan...You might want to seek legal advice...Best Wishes

978-686-2255

456 Report Long ago Unknown
you have 2 different student loans out federal portion and a private portion your federal taxes went towards your federal loan and not towards the private portion which is going unpaid so yes you do need to call

978-686-2255

456 Report Long ago Unknown
I had to change my number because they would call everyday.  I never pick up. I can only assume it is because of my messed up student loan thanks to my school.  I didn't know I had two student loans instead of one.  I filed for bankruptcy and finished paying off my chapter 13, and now they are calling me non-stop. The IRS went after me to pay taxes on the one loan because bankruptcy took care of that, and I am now paying my government loan. So why are these people calling me?  Should I worry?

978-686-2255

456 Report Long ago Unknown
They can not do anything if you do not owe them anything, ZA you are looking at the wrong place for the wrong person!

978-686-2255

456 Report Long ago Unknown
I was tryng to delete the material after "Please cite...." but didn't do it soon enough.  Text after that short paragraph may be confusing since I ran out of time to edit the comment.

978-686-2255

456 Report Long ago Unknown
I was tryng to delete the material after "Please cite...." but didn't do it soon enough.  Text after that short paragraph may be confusing since I ran out of time to edit the comment.

978-686-2255

456 Report Long ago Unknown
All debt collectors have the right to sue you for a debt, although corporations must use a lawyer after a mandatory wait time built into collections and banking laws, unless and action is taken in small claims court. It is a direct violation of the law that governs bill collection in my state , and lawsuits have  Most people who are legitimately unable to pay will be charged  little to nothing, although they may have extreme difficulty obtaining any credit for up to a decade.  If they take you to court it may be possible for them to apply to extend the time for collection beyond what is normally done, but the opportunity to do so is in only narrow windows.  But most offices don't even have a data system that will state uncorrupted for years in advance.It is best to assume nothing until you read your own state's laws, especially on garnishment, levies,  attachments., and bankruptcy.  In bankruptcy there is a choice between using the state or federal rules.  You cannot use both. The governing law binding debt collectors is the law of the debtor''s own state of residence not the law in the debt collector's state or the legal address credit card companies state.I strongly doubt your conclusion that an unsecured debt can be converted into a secure debt, other than we reference to recovering the items purchase on credit within the last year or two where they may exist a chattel claim.  Generally though lawyers don't bother with used goods.  It is not a profitable activity, especially with so many people in this economy trying to sell their own things to raise money.for living expenses, whether in a home, apartment, tent, or vehicle.Please cite the state and statute in your state that makes you thing the nature of a claim can be altered.in debt collection or related court hearings.I am curious.  Nothing like that is said in my state's laws.  I only researched the laws in my current state of residence and the one before that..Again please include the statute you think changes unservured  as opposed to one ripe for further action. The first court hearing merely establishes whether the credit has a debt at all.  Their may though be  may th first proceedng in court oes add weight, but thruthfully a credit card tha was approved over the phone may in some states ., beyond the time period, which I verofoed wotj a ;lawyer  fou .  The governningng law in collection is the state of residence of the debtor..  We don not currently have debtors prisons you k. depending on the state.ased depending on the state.I am reasonably certain the most damage a lawsuit in this case can do credit for up to ten years depending on the state, and a timely debt \\\\\\erious difficulty nothing, ddeending on the state who  and banking regulationsaThe payment plan nd banking  law.   but iall that enables is allowing the lawyer to request a separate hearing on what you can afford to pay.and ded  to pay after exempt income like Social Security is excluded upon timely application for the exclusions.  It doesn't guarantee payment of any kind.  There are even barriers in the banking system to protect two months of living exepnses nt of any kind, adn I am uaratee either the debt holder or the  seperate procedurbut what specific state are you referring to? I am nearly certain from having read my state's laws that yh\er except in small claims court, where neither side wants to pay the expense of a lawyer, often with uncertain outcomes.  .  typically has a lawyer.until the legal process has aged out, but in my state what you have said about that making it a secure debt is simply not true at least here is not really meaningful.  A second legal proceeding leaves it up to the judge and limits set in statute and federal banking regulations. Also any debt to the federal government takes absolute preference to private debt/znd federal banking regulations to whether or not the debt is collectible.  The maximum in my state is up to 25%% of income in excess of allowable living costs and child support payments. Only people who are not smart enough to fill out the exemptions form and prove supporting documents really need a lawyer in such matters for state courts, where the law is clear asupporting documents.  All of Social Security and a number of other forms of public payments are totally exempt from being incuded in that income calculation.  In most, if not all such cases where the

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They may have attorneys in every state, but for those on Social Security or other exempt incomes such as Workers Comp, civil service, and in my state any pension, with assets also exempt and all assets less than what your state exempts all a lawyer can to is get court acknowledgment of a debt, but actually collecting anything in money or property is entirely up to a judge in a separate procedure, and can't exceed a fourth of income collectively in my state and is a junior debt when the IRS or other branches of the federal government are owed money.  It is furhter limited by federal banking regulations and statutes that protect claims for until the money in the account is twice the monthly living expenses, etc.Check you state's Court website.  Bankruptcy costs so much now that it can be cheaper to default and simply block the phone numbers used..  If you negotiate debt reduction, what is reduced become taxable income the next year., which can create a much more serious problem, since the IRS can take up to 50% of your income.

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Shawn you are an idiot what turns what into a Judgment? "When they file suit against you for on behalf of the creditor it turns the judgment onto the debt making it SECURED and not unsecured." What "secures" this Judgment Go back to school and stop propagating fraud!

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456 Report Long ago Unknown
You my friend, are lying.  What you said is NOT true.  Look up the definition of secured/unsecured.  Simply filing suit does not make a debt secured, unless the defendant has pledged property against it.

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456 Report Long ago Unknown
very good reserch , a must to read the complaint , shows the corruption in the system of debt collection , i'm sure there is many more if not thousands of collection co. across the country screwing people like this . the time is coming for a revolution . power to the 99%

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RIGHT AND WRONG Yes they SUE --  NO THEY CANNOT PROVE THE DEBT IS VALID AND OWED AND ONLY WIN WHEN THE PEOPLE THEY ARE SUING DO NOT SHOW UP.  They handle JUNK DEBT COLLECTIONS only - OLD WORTHLESS LEGALLY UNCOLLECTABLE DEBT.  Its beyond the statute of limitations and LEGALLY THEY CANNOT SUE.    They RE-AGE old SOL DEBTS and then file lawsuits based on BS..  Their pleadings NEVER STAND UP IN COURT WHEN DISPUTED  - ONLY WIN NO SHOW DEFAULT JUDGEMENTS. ALREADY UNDER INVESTIGATION BY NY ATTORNEY GENERAL for using "SEWER SERVICE" that ensures NO ONE KNOWS they are being SUED, so they get an AUTOMATIC DEFAULT JUDGEMENT. NY AG Throws Out 100,000 Default Judgments Against Consumers! « on: July 22, 2009, 10:23:57 am »ATTORNEY GENERAL CUOMO SUES TO THROW OUT OVER 100,000 FAULTY JUDGMENTS ENTERED AGAINST NEW YORK CONSUMERS IN NEXT STAGE OF DEBT COLLECTION INVESTIGATIONhttp://www.oag.state.ny.us/media_center/2009/july/pdfs/5015%20Suit.pdf37 Law Firms and Collectors Named in Lawsuit for Failing to Properly Notify New Yorkers Being Sued for Owing Debt

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The previous reply was for sahs

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456 Report Long ago Unknown
WHO ARE YOU?? Do you work for this company? That is not true at all. Stop trying to scare people with your lies. Credit cards are unsecured debt and always will be. You cannot get it changed to secured debt, FOOL!

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456 Report Long ago Unknown
pllz call and tell me your going to garnish my wages i live in texas and thats a big nono down here so plzz call and tell me that lolololol

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456 Report Long ago Unknown
Sure we are all mad at the banks for receiving TARP funds. Shame on them for sucking up the taxpayers money.  Maybe they would not be in a world of hurt if THEY treated their customers with dignity and respect instead of changing the terms of our cardholder agreements whenever they feel like it.  They can still be profitable if they charged a 'reasonable' interest rate. By the time the collectors get the account, the interest is around 25% and most of the balance is interest.  When you validate why dont you break down what is principal and what is interest? Because its too embarassing for you to do so, that's why!!  We are taxpaying fools to vote the reps in that voted to give the banks the money and allow them to continue their unscrupulous acts against consumers.  The banks are profitable against the backs of consumers!!!

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Well,  I am aware of the Corporations, how hey got their money.  I know that they spend millions in to the Political Coppers.  Not to mention legal insider trading that when they leave office makes them millionares.  I have enjoyed your conversation and blunt honesty

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Lynn Shut the hell up!! "your President couldn't Exist if he didn't get His debt ceiling raised just two months ago" Genius YOU wouldn't exist if he didn't raise the debt ceiling...what was he supposed to do? Let the country DEFAULT on its debt..just because you owe 50k in credits have a first and a second mortgage under foreclosure and your car was just repoed doesn't mean every should not pay there bills! GET A JOB MORON!!! Would you work for free...that is EXACTLY what you are telling millions of Federal Employees by not raising the debt ceiling THE US HAS NO FUNDS TO MAKE PAYROLL! D***hit! Stop Obama bashing and use your head for more than giving head!

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What do you want to be when you grow up ?"Cause if it wasn't for Debt, you wouldn't have a job, your President couldn't Exist if he didn't get His debt ceiling raised just two months ago and NOW he says The Government can default again if Spending is held at bay !  WHO PREACHES BORROW BORROW BORROW ?  My Generation was taugh to pay as you go ! And kiddo, [people like you making $100,000 a year off other people misery}wouldn't have a job and would be standing in the unemployment line with the rest of us down on ou luck Americans !

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Gee if this were the ONLY BAILOUT Banks have takenYou Might have a leg to stand on  but the fact of the matter is, Banks do this Risky investing thing all the time and they have been bailed out repeatedly over the years  AND it had nothing to do with Bush, and this seems to be common practise for them . they Just can't seem to get it right and We like the Sheep that we are, Let Our Government keep doleing out money to these Crooks  and Probably getting Kick backs for their part in the SCAM ~

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Yeah but come on now if it wasn't for people and their debt you wouldn't be on that top floor. So it's not about some moral crusade to get those people that don't pay their bills. Let's tell the truth now and admit that's it's an oppotunity to take advantage of all that profit! It's smart business LOL

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You almost had me with your allegories and seemingly openhearted story.  All the way until you said “ I understand a lot of people are mad that banks have been getting government bail outs, they wouldn't need them if everyone paid their bills either”.  Oh boy!Now I see where you are coming from and how well you have been brainwashed!I do not know whether to pity you or ask that you be made to pay at the altar of society with total personal ruin and complete demoralization.What I am going to say next is going to meet your hardened resistance to anything in your mind that has been put there to make you the misguided and deluded person you are.  The economic disaster that we are trying to survive has been put there by the “corporate” “capitalist” organizations of the world.  I know that this is big, it certainly is!  This was accomplished through the machinations of these huge corporations in their endless enterprise to earn more, pay more, get more and have more.  The officers, directors and executives of these corporations were paid exorbitant salaries and huge benefit packages in order to amass “no holds barred” immense fortunes for their employers.It worked.  Well for some (few) for a while anyway. Then the “chickens came home to roost” and brought with them all the hardships and difficulties the corporations were so facially avoiding.  What eventually dislodged the “keystone”?   Hmm.  Okay, this is way beyond the scope of this missive, but does Enron, Worldcom, etc ring a bell.  The precursory missteps and stumbles of the corporate giants during the few years before the current disaster.  The 2001 events that seemed to propel the present economic downfall.The stock market tumbling and falling.  Finally, no longer could you “borrow from Peter to pay Paul”.  During these last few years, corporate heads were paid exceedingly high while the nation and the world was arriving at the present dreadful economic situation.  These corporate leaders even celebrated themselves and the benefits they derived during the approaching disaster.So now let us blame the poor sap in Sadsack, Alabama for the current financial disaster.  Yeah that’s it, the guy with the mortgage, car-loan, household expenses, etc.  He caused this, he is to blame.  After all, now he doesn’t pay some of his bills.  He tricked the corporate world.  He fooled the mortgage, credit, loan companies and banks.  That wily, clever guy, how did he do it?Okay, here goes, I worked for one of these huge corporations in NYC.  Ooops.  Yep, me and my cushy job on the 32nd floor office on Park Avenue, sitting in front of a plethora of computers and financial information delivery machines.  Did I see this coming, well to a certain extent, yeah.  Take a rubber band and try to stretch it beyond its means and see what happens.  Culpability on my part?  Well yes and no.  I was a mini-micro cog in this huge worldwide wheel.  I could object but my superiors were economists, lawyers, CPA’s, finance experts most with Phd’s, all put there by the guy on the top floor of the corporate headquarters.  True I could have quit or transferred, but I stayed on till the end.Well there you have it, sir!  I hate to tumble someone’s cheese barrel, but the facts are the facts.  So go on slam those indebted individuals.  Tighten the screws, torture and threaten them turn them inside out and give them a spin for good measure.  After all you are just doing your job!

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What's they lowest they will take on a settlement.

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456 Report Long ago Unknown
Rating: +1 Vera - 25 Mar 2009Although it is true you can be sued by a debt collector (such as Zwicker and Assocates who both buys debts and also directly represents creditors), they cannot turn an unsecured debt into a secured one. I am a legal assistant for my attorney husband who represents consumers in debt collection defense/violations in Florida. Judgements are neither unsecured nor secured and the ability of the holder to collect is completely dependent on the laws of state the suit was brought in. Some states allow garnishment, liens, forced sale of property, etc., and some do not. Florida, for example, disallows judgement collections against homesteads, retirement income, social security or disability, or heads of households. This might sound picky, but it's an important legal distinction. I would urge anyone being collected upon to seek legal advice and representation. There are often legal defenses available, and some lawyers will take cases on contingency since they often recover fees from the other side. See guys like Bud Hibbs (not an attorney but a plethora of great information) at www.budhibbs.com or National Association of Consumer Advocates at www.naca.net for an attorney in your state and area. Don't give up, seek advice and fight.Please if you are going to do research do it all.  Zwicker and Associates, P.C., is NOT a debt buyer.  Hired direct from clients. Also on a personal note.  Bud Hibbs in an idiot.  No offense to anyone.  Just like debt managment companies, anyone that just says to stop paying your bills, is misinforming consumers.  It hurts in the long run a lot more than it helps. Debts tend not to go away, unless balance/settlment is paid, very extreme hardship, or death.  Very few people in the view of how many people owe debts, are actually judgment proof, or even able to win in court against a debt that has been validated.  I do believe people should seek financial and/or legal advice on their debts.  I believe you should get it validated.  I also believe that no one should commit to making payments that are out of their financial ability.  Making payments you cannot committ to will make you look bad when they bounce.  Even if your creditors say it's not high enough, mail it in.  It only looks better on you when and if you are sued.  I'm not an evil bill collector.  I rather enjoy my job actually.  I have VERY many people that thank me, have cried on the phone, and wrote letters to my company giving me praises.  I believe people should be treated with some dignety and respect.  It is a very hard world right now in the sense of survival.  We have a job to do.  I can only try and help those that are struggling a little more than myself.  Remember though sometimes it is hard to want to help someone with 3BMW's, 2.5 MILLION dollar home, president or owner of one or more business', and claiming he can only afford 40% of his $90,000.00 dollar account.  Yet we set up the payment, and he has over $200,000.00 in their PERSONAL not BUSINESS but PERSONAL checking account.  I weed them out, and I am not mean.  Firm, state my business, what could possibly happen to these people, give figures that can resolve, work on an arrangment that works for them as well as my client, and they make the decision on what to do from there.  I am not mean but if you were to lend me $10,000.00 would you let me pay it back $50 dollars a month?  Didnt think so.  I understand alot of people are mad that banks have been getting government bail outs, they wouldn't need them if everyone paid their bills either. Remember that it's not just you.  If you want your creditor to forgive your balance, don't forget you are one individual asking, but so are the other Trillion people that feel the exact same way about their debts.  Thanks

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456 Report Long ago Unknown
Although it is true you can be sued by a debt collector (such as Zwicker and Assocates who both buys debts and also directly represents creditors), they cannot turn an unsecured debt into a secured one. I am a legal assistant for my attorney husband who represents consumers in debt collection defense/violations in Florida. Judgements are neither unsecured nor secured and the ability of the holder to collect is completely dependent on the laws of state the suit was brought in. Some states allow garnishment, liens, forced sale of property, etc., and some do not. Florida, for example, disallows judgement collections against homesteads, retirement income, social security or disability, or heads of households. This might sound picky, but it's an important legal distinction. I would urge anyone being collected upon to seek legal advice and representation. There are often legal defenses available, and some lawyers will take cases on contingency since they often recover fees from the other side. See guys like Bud Hibbs (not an attorney but a plethora of great information) at www.budhibbs.com or National Association of Consumer Advocates at www.naca.net for an attorney in your state and area. Don't give up, seek advice and fight.

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EXACTLY, they have done all the work for you , you have no wer to go but " UP " they have already screwed your life up and that way YOUR attorney will keep them from getting your head  all screwed upas well as your bank accounts ! ~ leaches ~

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I work,  60 plus hours per week.  Thank you for your Christian judgments.

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456 Report Long ago Unknown
Kate  I  Hope you never get in the situation of having No income and using everything you have saved for 20yrs to keep it all together. Rarely is anyone Proud of filing Bankruptcy. Granted There are a few who would do it over and over again, Thus the "reform" that made it really hard for those that need to file. I must be a Dead Beat, Cause I own a Business and Will have to file Bankruptcy, because Creditors think that theirs is the Only debt and that it must be paid before all else. Told couple of them sell the equipment and Force me to file Bankruptcy, May take them about 2 to 6 months to get their equipment. File bankruptcy and put 4 other people on unemployment and watch them go down the tubes because they can no longer make their bills. By the way, do you want to loan me the $1000+ that it costs to file Bankruptcy, I'm a little short on money.

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Kate,You sound like you have a pole up somewhere. You are quick to judge & comment, is your life perfect? If so you're the only one. Though not in debt I struggle everyday to have the finances to pay bills & enjoy life. For 1/3 of the country that is laid off or otherwise not working it is not so easy. You need to back off & quite accusing people of being deadbeats for not paying bills. For some people it maybe down to do I eat or do I bill my bills? I think the choice in that case is obvious. Life throws curveballs that you can not plan for no matter how much you think you are prepared. Most people would not like to be in the situation they are in but that is what was handed to them. As you said those who live in glass houses. So unless you have never made a mistake in your life, you have no need to make such comments. Some day forbid, you may find yourself in a similar situation & so may I. Pray that day never come but you never know. If it does I hope you remember how quick your were to judge others & that you do not post looking for sympathy.

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I am in the same boat.  I am trying, trying, trying.  To no avail.  Just when I think I've got my head above water... down again.  I swear, if it's not one thing, it's another.  And the bills just keep rolling in.  My gas line has a leak this week, what's next?  Another 400 bucks down the tube.  That was my car payment.

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I am right there with you BROKE! I too am one of those deadbeats that can't pay their credit card debt. I never set out to not pay back my credit card debt, but that is where I have found myself. Jobless, and unable to pay the debt owed. Now I have to file bankruptcy.

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FUUUUUUUUU tooooooo why should we have to sell something beacuse we are trying? have you? all the complainets are for the practices that you do not beacuse we have to pay the bill but beacuse you have the odasity to tell us that we re dead beats you have not walked in our shoes and have not gone throught the nasty practices thet you sink to so again shut the Fuuuuuuuuuuuu up

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456 Report Long ago Unknown
Why do you think you have the answers?  What do you suggest for the person who has already lost their jobs - one due to 911 because it was a job in the aerospace industry, next one because it was in the construction industry as that industry started going south and next one because the economy went south.due to house, who has sold everything they own, including any clothes off their back that is not absolutely necessary, has lost their home and was lucky enough that someone allowed them to put their bed in their unfinished basement (one small window, no bathroom, no kitchen, lots of spiders and bugs), spent ALL of their savings- which was btw arrearages from child support that took 18 years to get  - and not all of it was collected - on paying bills, most of them exceedingly high because it was catch up from the divorce and having lost jobs (see above) AND because the CREDIT CARD COMPANY WOULDN''T APPLY THE CREDIT CARD INSURANCE THAT I HAD PAID SO THAT I _WOULD_ BE COVERED IN THE EVENT THAT I HAD THE MISFORTUNE OF LOOSING MY JOB!!!! There's more but unless you are really dense - or maybe if you are King Solomon (which you aren't), you have no business judging people or telling them what to do or how to do it unless you have walked in their shoes.  No one does.

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well to the employe of zick an dick whos having a hard time,1 of your fellow workes posted he or she makes 100k a yr why you not making that much,my wife and i make over a 100k a yr but i was off work 2 yrs due to surgery 3 of them,trying to catch up best we can,but when you call hear and make threats i laugh cause your trying to be a phone tough guy lolol.i pay what i can when i can ill get it done in time but it will be on my time ,not yours

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Hey there employee of Zwicker and ASSociates, I have(NO) sympathy for you and am thinking that it should be you who is going to school in addition to your wife - elementary school that is, to learn how to spell. Thanks for your post though, since if you are a representative employee of this "law firm", then I for one, am not concerned one bit. They obviously hire poorly educated individuals such as you to do their phone harassment. I hope you are never in a predicament like many people here. Shame on you.

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AMEN TO THAT. THE RICH PEOPLE IN THIS WORLD FORGET WHO SUPPORTS EVERY BODY.THE MIDDLE CLASS SUPPORTS ALL!!!! THIS INCLUDES THE GREADY RICH AND PEOPLE WHO ARE POORER THAN US. WE MIDDLE CLASS TAKE THE BRUNT OF EVERYTHING.

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456 Report Long ago Unknown
First of all. This is unsecured debt, that was given to you based on wages that people use to make. Selling a house in this market doesn't work, then you certainly couldn't qualify for another one. If bankruptcy is the way to go - then let all the creditors go down with it. The RICH RICH folks love to steal, cheat and lie. Don't be deceived....

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im an employee at zwicker and associates broke. i sympathize with the people i call. i try to set them up on low monthly payments.i try to educate them on the importance of getting something set up on there accounts in a timely manor before the do possibly get sued. sometimes people just dont get it. maybe you need to sell your house move into something a little cheaper. maybe sell a car. thats just the way the cookie crumbles. hey, im having rough times myself i have kids and my wife goes to school. thats is exactly why i dont live above my means. i suggest you people that dont want to or even at least try to pay there bills better sell something or pick up a second job and quit crying about the economy. i could be calling you next. talk to you soon.

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Well, I'm one of those scumbags that can't pay my credit card bills. I am paying my mortgage, car and utilities though. Oh! and my attorney, because I am declaring bankruptcy. So Zwicker and Associates will have to write me off.  If I had the money they want paid in full I would have paid it before it ever got to this. You all sound so harsh, it just confirms; to me anyway, that I have made the right decision. I understand responsibility but sometimes in this life you're hit with problems that are beyond your control and not everyone has money to save for a rainy day because most families live from paycheck to paycheck. To those of you in the same boat, you have my understanding and sympathy and to those of you who aren't God bless and I hope you never get here.

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456 Report Long ago Unknown
sounds like you have done this your self. I am sure you are very proud as well as your family. Bankruptcy should be for people who need real help not dead beats.

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456 Report Long ago Unknown
It is a private student loan and can be discharged.  If it is a government back student loan then it can not.I have an attorneys appoint ment,  This is what I have read.  I will make clarification.

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456 Report Long ago Unknown
Unless it is a student loan...You cant file bankruptcy on a student loan

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456 Report Long ago Unknown
I'm sure someone from Zwicker wrote this unsecured debt can't be changed to secured debt. The best way to go is Bankruptcy then no-one can do anything.

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Let me know about the class action lawsuit too!!! I have been harrassed by these scums for several months on a Discover card issue.  I, too, lost my job over a year ago and have not been able to pay bills the way I did when I actually had an income.  So I want in on the class action lawsuit, as Zwicker is claiming that I have failed to respond to their threats, when I have copies of all of the written correspondence to them.

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I have a loan with sallie Mae  unfortunately, And I have an account with Zwicker and associates.I am thinking about filing bankruptcy.  Sallie Mae said they can not be discharged.  I don't think so.Let me know who do I contact for the class action law suit.sheldon

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I have docs that third party debt collectors can not answer and always default on. If you need further assistance I can help... thanks!

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You really should tak a look at the banking institution dear, we have already bailed these DUDES out~ what you mean we are deadbeats ? how about  Chase, Bank of America, Darlin you are unreal ~ calling the people out when Banks have been bailed ot repeatedly for over 50 years Do your Homework we have given more to the Banking industry than they could or EVEN CARE TO EVER REPAY ~ YOU WANNA TALK ABOUT SLUS ? WHY DON'T YOU DO A LITTLE READING ON YOUR OWN AND STOP EMBARASS-ING YOURSELF !

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456 Report Long ago Unknown
You are pure scum for not paying what you owe.

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456 Report Long ago Unknown
I agree.. they just took $8150 out of my checking account for a credit card debt.... i bounced a bunch of checks and i have 4 kids to feed... i'm unemployed and these jerks took my last $8150.... now i'm getting kicked out of my apt. and my car is going to get repoed cause they took all my savings.... i'm screwed... i'm so mad at them... this isn't fair.. it's unsecured debt... what's up with this country that some scum bag lawyer can do this??? this isn't fair.....peace,Scott

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Amen!! They were bailed out for sure! And we pay all these high taxes, high gas prices, our homes aren't worth anything and we can barely put food on table for our families. But these creeps hold special training to learn how to get every last penny out of those less fortunate. Where is Obama now with spread the wealth?

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you must work for them , your stinkin paycheck written with our tax $$$ after your bail out . Let this stinkin gov. bail out us , after all that s*** head pres. and this corrupt corporate controlled gov. bailed out you .

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YOU SNAP OUT OF IT KATE ~ when you lose your job and you hae to pay your bills out of thin air, we'll see who cries the loudest. Its really ruff on you guys who are so pampered with the Entitlement attitude that YOU DESERVE the finer things in life, When your world falls apart, I'll try not to laugh, KARMA is a mutha, remember that ~ I see you with Geitner's snarling sniveling face ~ you are one ugly woman ~ inside and out ~

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snap out of it joe...you sound like a typical non payer, looking to blame everyone else for your poor financial management. Sallie Mae services millions of loans each year and a small percentage ends up in default and nin out of ten time it is the borrowers (meaning you)that has made the error, if you had paid on time like I do on my loans you would not be where you are. The co signer is not you, and it is your job to protect your good name and your finances not anyone else. Stop belly aching and pay up.

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456 Report Long ago Unknown
We cant be like the government either withour own personal money printer, now can we?!

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456 Report Long ago Unknown
you must be talking about citi bank , their scum sucking pigs , if you accept the program and if you don,t have the amount in the bank when they " auto withdraw " because of financial problems they charge back interest at a what i call an loan shark rate and late charges from the date of the agreement , and if you call to postpone the payment they tell you they will cancell the agreement . F*** them we " the taxpayer " bailed out their a***s and as far as i'm concerned were even and not paying any more to these government sponsered gangsters and i hope to start seeing some of them in the headlines " found on road DEAD !!!!!

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456 Report Long ago Unknown
You're responsible for balances charged, late fees, interest, finance charges, penalties.Yep, agree I am responsible for the money/items I bought, Yep I have no problem paying a Late fee, I'm Late, so there fore I owe the fee. But oops, I was late twice, Because it's hard to come up with the money to make the payment when I don't get a paycheck anymore.  Still willing to pay the late Fee. But, NO the Creditor now will Up my rate to 29.9% to punish me for being late, and paying a late fee. All of a sudden my payment of min:$45. That I always payed Double on goes up to Min:$125 Which I really find hard to pay with NO income. Did I mention, No Unemployement because I own my own business and only get paid if there are profits, Therefore no Unemployment insurance for me. By the way, did talk to the creditor many times and explained the situation to them. They would get a small amount, freeze the account, and no more interest or penalties. They agreed. But wanted $360. a mounth to to come out of a checking account automatically. I did not agree to that because there would be no way of knowing how much would be in the account at any one time.  They still went ahead and started taking money out of the account which over drew me and cost me even more money with the bank. Closed account, told company I will pay when i can or I will file bankruptcy.. Choice:  some money as I can or NO MONEY EVER! Guess they get NO MONEY EVER!  Hate to be that way, but just trying to keep an 80 yr old service business in Business and several people employed.  Nothing is Black and White in Today's World.Thanks for letting me Vent!

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456 Report Long ago Unknown
Joe - 25 May 2008Either way they are scumbags they are coming after me for a mishandled loan that sallie mae screwed up from the get go...Instead of doing some actual work other than harrassing myself and the co-signer (who paid Sallie Mae to get off the loan).  These dopes are setting themselves up for a counter suit and I am jumping with joy the more and more I find out about them....Companies like this should be wiped out.  Especially in times like these when people can barely afford to get to a job!  Just pure scum!************So this makes you what?  Any better? Running up thousands of dollars and not paying it back? Also your co-signer much like mine is just as responsible ... sucks for them ... but you put them in that position in the first place by NOT paying it... also if Sallie Mae messed it up in the first place .. is not any debt collector's (attorney or collection agency) direct account.  They have NO information on the accounts other than who opened it, address of party (or parties) responsible, social security numbers of party (or parties) responsible,when it was opened, when the last payment was made, when the debt charged off, balance, and interest added. This is all to protect us as consumers.  If for example they knew what consumers purchased on a credit card, could form a bias opinion, which could effect whether they feel you deserve a settlement or need to pay balance in full.  Times are hard on everyone.  I have been on both sides of the phone as a collector (back in the day) and as a consumer trying to pay off my own debts.  It's not an easy job, and as a collector in the past, it was never my fault why someone else didn't pay their bills.  You're responsible for balances charged, late fees, interest, finance charges, penalties, attorney fees, and court cost.  Don't like it, quit taking loans, lines of credit, and/or student loans out.  That will solve ALL the problems you're complaining about.  Suck it up, pay the bill, stop ruining collectors lives because you're a "scumbag" who can't pay your bills.  They call and do what is asked/requested/told to them to do because you owe a client of theirs money!!! DUH NOT THEIR FAULT!!! MAYBE IN YOUR CASE WAS SALLIE MAE'S FAULT BUT NOT THEIRS. GET OVER IT.  THEY HAVE A JOB TO DO OTHERWISE THEY COULD GET FIRED, THEN THEY'D BE NO BETTER THAN YOU, SCUMBAG FOR NOT PAYING THEIR BILLS.  WE'RE ALL JUST TRYING TO MAKE A LIVING.

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456 Report Long ago Unknown
Michelle, you have fallen for the company line.  First of all, the amount of money you make has ZERO relevance to your value as a human being.  If you don't realize that, then you must be completely soulless.Second, not all debts are legitimate in the first place, either because the creditor misled the debtor and got him in over his head, or because the creditor is simply fabricating charges in order to increase the value of the bad debt when they sell it to a company like yours.  Third, the conditions that existed when someone took out a loan or made a major purchase can change overnight -- a spouse dies, a lifelong career is lost in the Bush/Cheney crash of 2011, an accident or illness leaves someone disabled and out of work.  So stop pretending that everyone your company harrasses is some kind of deadbeat!  Most of them are good, decent people who scared, desperate, and doing the best they can under the circumstances.  Your contempt for them reflects far more on you than on them.Okay, so you HAVE a job.  Good for you!  But I'd much rather be unemployed and homeless than make my living as you do, by twisting the knife in people who are already in pain.

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456 Report Long ago Unknown
You never know the circumstances surrounding a person's inability to pay their bills.  I have been struggling for months and the constant calls don't make it any easier to pay the bills.  I understand we all have jobs to do but the constant harassment isn't going to get the bill paid any sooner. More than one call a day is just plain obnoxious. The economy has had a huge affect on a lot of good people and other just trying to get by.

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456 Report Long ago Unknown
You're an A$$

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456 Report Long ago Unknown
Just because you "WORK" for them doesn't in any way make you "BETTER" than anyone else!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!  You don't know everyone's situation and you should think before you speak.

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456 Report Long ago Unknown
There have been Americans who are disabled, missing limbs, fighting cancer, single moms, etc etc etc...that have no job or income - that your precious company bleeds dry!! Please spare us the holier than thou attitude or that your company is like a Church! It's evil. Plain and simple!!

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456 Report Long ago Unknown
Calling people to collect on a debt is fine however calling 5 or more times a day is rather stupid, you cant find a job and get xnumber of dollars in 30 to 45 min unless you do something that is against the law, but then again you dont give a damn about anyone or the reasons they cant pay a debt  because maybe they lost a job  , i am just glad you dont call me because i would walk into your place of work and yes i would take the phone out of your hand and crush it under my feet and then your desk would be on the other side of the room, still intact would be debatable and then hope i get arrested and put in jail , so that would make the statue of limitations would run out and you loose!!!!

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456 Report Long ago Unknown
you're an a***ole...some people dont have a control why they dont pay their bills. Due to lay off, disabled or some other good reason..get off your high horse f*** bag.

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456 Report Long ago Unknown
YOU WONT GET A DIME OUT OF ME AND I SLEEP BETTER THAN YOU DO.. IT WILL BE A SNOWEY DAY BELOW BEFORE YA GET A DIME,,,CAUSE I WILL LIVE WITH YOUR LIENS UNTIL I AM DEAD AND THEN YOU CAN GET WHAT I NO LONGER HAVE...A BIG FAT ZERO....AND I SCAN ALL MY CALLS SO IT CAN CONTINUE TO RING A DING DONG LOL.....YOU HAVE A GREAT DAY NOW YA HEAR....RING A DING A DING BAT,,,LOL

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456 Report Long ago Unknown
I am reading this post because I too am getting calls from this place and would like it to STOP! I called and took care of the issue with the actual people that I had the debt with and I am NOT going to be bothered by people that claim to be " above" others and that have a so called job to do. If you are making so much money and sleeping so well at night you would not be so upset when someone who is trying hard to make it day to day wants to make a comment about how they are treated. I am glad to know that you sleep well at night being that you play the role of the devil to make all this so called money that you are making. If you have so much money, why not donate it or help someone else out that may not have it! Are you really as happy and you say you are? Is your life really as fullfilled as you would like it to be? MONEY IS NOT EVERYTHING! How's your health? Your life?  I get so tired of people trying to justify doing wrong. Not all collectors are wrong... but many are because all they care about is all this money they are making and not the lives and families they are destroying! I think I too will just get a lawyer because I can see the evil forces working are not worth my time. Thank you to all that did post on this site because now I see that these people have some MAJOR issues. I just pray that God (if you don't know him you need to) allows you to stay in this good place because if the shoe was on the other foot and you did not have this grand job making others life bad, you would not be so quick to be rude and hateful. It would be a shame for you to have a major life issue that causes you to not be able to pay your bills. Michelle, I really hope you get your life right now because honey you are headed down the wrong path and that smack in the face is going to be painful. P.S. I pay my bills on time too and did you think that maybe the company can have some information wrong and that everyone that you collect from is not running from bills? And Michelle... you would prob do better at your job if you had a better attitude because if you called me I would not give your rude behind a penny just because you are you! AND HOW DUMB ARE YOU FOR POSTING INFORMATION ON A PUBLIC SITE TO SOMEONE THAT SAID THEY ARE GOING TO SUE YOUR IDIOT BEHIND!  I hope they take you down with them and you can go find you a new job in this rough economy! You may be doing your job and you better hold on to it because you may not be able to get another one. I own a business and I would NEVER hire you or anyone else with your NASTYTUDE.

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456 Report Long ago Unknown
YOU WORK FOR AN SCUMBAG COMPANY!!!! They have no balls to leave a proper message...all scammers

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456 Report Long ago Unknown
get a real job and one that teaches you grammar and sentence structure.

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456 Report Long ago Unknown
Good grief, the least you could do is spell out words rather than talk like a sixteen year old text addict.

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456 Report Long ago Unknown
Scumbags, right, threaten people for a living, to take more of what they haven't got, while these low life's charge 30 % on these accounts so you CAN'T pay them off, adding late fees on top of late fees until you are paying nothing but late fees and over account limit fees and the fees attached for each day the account is not brought up to date, right ~ we are scumbags.  we work every day of our lives until we lose our jobs in this Crappy Obama economy, and its OUR FAULT. if you had a real job you wouldn't last a day, I wouldhate to havea " JOB " that required me to take money from people in the manner in which you conduct yourselves ~ thats right you mke $100,000 and you think that makes you better than us ? if you weren't leaches you wouldn't make a dime would you blood suckers !

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456 Report Long ago Unknown
Your employer should see your posting and fire you on the spot! No employee should have the right to make statements like you have in this post. YOU think you are better than everyone else? Think again oh holy one.You could loose your job just as easy as anyone else in this world. Everyone is replaceable and that includes you. Then you might find yourself having to deal with "scumbags" as well and being called a "deadbeat".  Compassion, do you know what that means? Ethical - look it up. Zwicker and Associates, PC abids by unethical collection practices. Congratulations for working for a firm that instills these values into their employees. This is also a reflection on you as a person. Considering the fact that you defend this employer tells me that you too have and practice unethical values in your personal life. So tell us, what gives you the right to judge people that have fallen into hard times? Just the fact that you have a job? The answer is not important just as you are not.  I guess even unethical people can justify their deeds so they can sleep soundly at night.Oh and btw, this is posted by someone who also is fortunate enough to still have a job but with a company that practices good ethics. Nighty Night.....Sweet Dreams

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456 Report Long ago Unknown
Please, no one would pay someone with the lack of grammar and knowledge of the english language 100k. If they did, I wonder what this poor world is coming to. I agree people should be responsible for what they owe, however, the creditors who are not obeying the laws need to have consequences as well. I have been called at all times of the night and received multiple letters in the mail after legal actions had already taken place because of identity theft.

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456 Report Long ago Unknown
@Michelle "Some of us make up too[sic] $100k a year."Liar liar pants on fire!!! According to this chart most of you bottom feeders only make between $23 to $30k per year. On top of that you have no formal education so you have no student loans like the rest of us either. That salary wouldn't even make a dent in my student loans. But I was told . . . NO WAIT PRESSURED, that if I sought a formal degree that it would fare well for career prospects. WRONG! I would have been better off getting a demeaning job where you work, but I want to have a job that upholds integrity, values, and a professional atmosphere that contributes to society-NOT THE BANKS Also keep in mind that it's somewhere of an oxymoron for banks to expect a free charge-off on tax payer funded bailouts yet THEY continue to harass the little people that became victims of a sluggish economy. I find it interesting that you delineate whenever anyone raises this question. . http://www.simplyhired.com/a/salary/search/q-debt+collectorYou were in a desperate situation and took that job. Call it what it is. Don't lie to yourself and others about how respectful of an income you earn when you know its scummy and that's why you lurk related message boards. If you firmly believe that borrowers signed onto the debt via a binding legal contract then you should have the sense to know that Zwicker, et al. is breaching legally binding laws with many of its debt collecting procedures. You are a sellout! Instead of seeking respectable employment you scraped the bottom of the barrel and now you're pretending to be proud. Don't kid yourself. NO ONE would wake up going to work every day and feel GOOD about making other people miserable. Unless you're the spawn of Satan of course?

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456 Report Long ago Unknown
how the .uck yo 100K a year making them phone calls eh? .uck you and people you work for, you are scumbags, let see you make 100k working a real job like us

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456 Report Long ago Unknown
if you've gotten calls from these a***oles and they hang up on you their auto dialing or harrassing you , either way i call the # back and let these a***oles know for every time they call and hang up i'll call and hang up on them 10 fold . let the a***oles record your # because their doing the same thing so f*** them ...

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456 Report Long ago Unknown
The words its hiding is B_I_T_C_H       and   A_S_S_H_O_L_E  Quite Fitting Dont you Think

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456 Report Long ago Unknown
your garbage plain and simple....If you do happen to make 100k your over paid by 80k.......Bring it on bi***....Your persistent calling all hours of the day doesnt bother me.....We know where the dirtbags of the world reside.One such place is Zwicker and A***oles....you just wait ill have all your lines tied up before long....Ill be calling you....Harassing you ....Do you understand?? ...I hope you do

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456 Report Long ago Unknown
Your message is a little harsh and if you represent this firm I hope you dont call my house.  If your making up to (not too) 100K then offer to pay this guy's bill since you just loved putting him in his place when he's obviously already down on his luck.  Nice compassion for your neighbor there girl.

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456 Report Long ago Unknown
Do NOT judge until you have walked a mile in someone else's shoes. Bad things happen to GOOD people in this economy. I pray something like this doesn't happen to you. You need a lesson in human compassion.

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456 Report Long ago Unknown
actualy mam make sure the product paid foractually works i need to sue you for harrassment

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456 Report Long ago Unknown
well f*** u and your employer,u cant make me pay...bi***.

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456 Report Long ago Unknown
you do not make 1100.00a year r .you real collage graute or a mutt. i hope mom & dad are proud of you

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456 Report Long ago Unknown
you are scumbags and you know it.  it's not always about people not paying their bills. it's about people NOT BEING ABLE TO PAY THEIR BILLS or do you just not get that SCUMBAG.  why don't you go rot in hell where you belong??? and, we ARE ABOVE YOU! get that through your head

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456 Report Long ago Unknown
God bless you.

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456 Report Long ago Unknown
Michelle theyt didn't really mean scum bags, they meant doushe bags. You act as if you were born to royalty and you are diserved to be treated as such. You have no clue why people may have fell on hard times! A husband may have passed and left his wife with 4 mouths to feed. Get it??? Not everyone makes purchases and than decides not to pay. There could be many reasons things happen. Hope your mother and or father don't get ill in the hospital racking up thousands while dying of cancer but still have outstanding bills they didnt pay. Some douche like yourself that would take such a job which pays crap not 6 figures which you only wish you were getting will hound your dying father and belittle him as he withers away to nothing! lol Its people like you that think your owed something that havent yet had a catastrophe in your life but bank your day is comming and i can only hope that someone you helped to screw will be there to laugh when you fall.You are as low to take such employment and even lower to help to hound that elderly individual that is on hospice with cancer and you want to take the air he breathes from him. You troll, i hope your day comes sooner than later because you need a lesson in human kindness!

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456 Report Long ago Unknown
I have been called twice at inconvenient times and you guys asked for people who don't and never have lived here.  When I asked how you  could have gotten my number the collection person said " they may look at the person they wants phone number and see who they have called and call them to try and contact this person."  Is this legal?  I didn't know you could do such a thing legally!!!!!!! What has this country come too?!  I know for a fact that most people want to pay their bills.  I know someone who wanted to just pay interest on a mortgage this month to get over a tight spot and the bank said they could not just pay the interest or have the payment moved to the back of the loan because they have never been late with a payment.  So that is how our government/banking industry treats people who are trying!  Who are the deadbeats! Not the person who has never missed a payment until now.

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456 Report Long ago Unknown
If you really work for Zwicker, your message may violate the Fair Debt Collection Practices Act

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456 Report Long ago Unknown
I have always paid my bills on time but 2 years ago I got really sick and had to have kidney transplant.  Money was no longer coming in from my job and disability does not pay well.  I have never treat anyone they way Zwicker treats people.  I pray to God that you never get really ill.

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456 Report Long ago Unknown
michelle i'm so glad for you that you can sleep soundly at night and have such a cushy job. i hope you never have to go through what i did or maybe you should so you can fall off your high horse and see what it's like and not throw it in our faces that your life is so perfect. cancer sucks and a lot of the treatments and prescriptions aren't covered by insurance. so meanwhile you people took every last penny that i had so maybe you can have a nice steak dinner and some expensive wine with that while i can't afford to get prescriptions that are needed and have to go to a food pantry to get some food to live on. i hope you still sleep well at night knowing that. at one time i was able to keep up with my bills but then cancer happened

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456 Report Long ago Unknown
FUUUUUUUUUUUU we are not dead beats we have come on  hard times and are doing what we can to pay back some ofwhat we owe as for i i have  been paying the cc company so we dont have to deal with you and as long as they take my payment i will continue to work with the cc company do you have a home I maean own it? i thought so. Until you or your souce looses his/her job shut the F up and then you get to pay the mortage and the uilites then you tell me what is more important......

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456 Report Long ago Unknown
It must be nice to be paid 100,000.00 - the problem here is some of us had jobs and now do not because of the ecomony or fell ill, etc and had no intentions of getting into this situation but have. To talk to us like we are scum is not right. If we did not have the 50.00 per month before how can we have the 2000.00 now??

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456 Report Long ago Unknown
Not if we declare bancruptcy!!!!!!!

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456 Report Long ago Unknown
Not the collector , but would like to see on the news about some of the millianare corporate execs. being found in an alleyway with some of those collection notices stuffed in his silanced mouth !

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456 Report Long ago Unknown
if i knew where you lived i would wait for you to come out of your house and beat the crap out of you

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456 Report Long ago Unknown
I feel that your message has proven my point of the games being played at the expense of others.  Buying account balances for pennies on the dollar appear to be more of an desire to punish and harass someone than to collect an honest believed debt.Brief story.  My husband became ill and had dementia.  His neurologist instructed me to contact his card holders and insist they close his accounts due to the circumstances.  Only one card was closed, all others refused to close his accounts.  I was kind enough to make payments until near death.  Now I get calls from collectors that think I should want my dead husband to have good credit.  His accounts were solely his and he had nothing at his time of death.   Good credit?  I don't think he'll be back to pay my debts do you?  Whoever bought his debts could not have been well informed or perhaps are very foolish and deceitful, hoping simply to gain by harassing others.  Quite frankly, I do not owe his debts and I have been advised by my attorney to pay nothing that "he owed."  I have a former friend from Stone Mountain, Georgia who has taken a job collecting "bad debts."  Rest assured she filed bankruptcy and had hidden debts ie., a Harley bike, and now is anticipating reaping the rewards of others misfortunes.  Prior to my husbands death she even commissioned him to make a basket for her to give as a gift to a minister, her significant other.  My dying husband was never paid but the gift was given to her significant other and at my dying husbands expense.  And this person is now in the business of harassing others?By the way, what is your profile?

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456 Report Long ago Unknown
Yes you are right-you have a job.  Really- is that the best job you can get?  I think I would rather scrub toilets for a living than try to make commission money by calling up people who are in financial hardship and harassing them-AND HARRASSING THEIR CHILDREN!-which I understand is one of your company's tactics.  But kudos to you for going the extra mile.  Yes you have a job-which is a miracle for you-judging by your spelling and vocabulary skills-I can assume that you have no other valuable business skills, so good for you that you are able to have a job where you can use your obnoxious personality to your advantage. Sleep well and God Bless.  Just remember-what goes around always comes around.

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456 Report Long ago Unknown
Did someone call a whaaaaaabulance?

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456 Report Long ago Unknown
why dont you get a job with michelle? sounds like your kind of job!

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456 Report Long ago Unknown
well michelle did lose her job, and let me guess you must be the fool who is sleeping with her or who has maybe slept with her reguardless she should never act like that with no one and michelle if you read this go fudge yourself, I think you both are pieces of s***, and I worked for Zwicker they are s*** also they treat people disrespectfully, even the employees!

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456 Report Long ago Unknown
Leo,Why should consumers who have lost their jobs continue to fork over money to the very banks that caused them to lose their jobs?  NO!  YOUR CLIENTS DESERVE TO BE IN JAIL, NOT THE SO CALLED DEADBEATS YOU CLAIM US TO BE.Or should we use our incredibly diminished savings to pay you?Or should we use our unemployment checks to pay you?Or should we use our short sale of our homes we're losing to your client to pay you?IDIOT.  You get what you give, and when you lay down in bed with a client who is a criminal...what does that make you?  Either or a criminal or a 'lawyer'...these days there's no difference.

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456 Report Long ago Unknown
Michelle,Don't sweat these people.  Maybe they aren't all scumbags for not paying their bills, but they are scumbags for jumping all over you in an online message board.I love how everyone that gets "harassed by Zwicker" are never at fault.  It's always the economy, their boss's fault, etc.  Bottom line, debtors - you signed an agree to pay with the original creditor.  You defaulted on that agreement with your creditor.  We at Z&A are now handling the account and the debt (per the agreement you signed!) is due in full.  In most cases we work with debtors to settle and make payments - do you realize we don't have to do that????In most cases, Z&A is the second or third party to call about the debt!  Times are tough, but it's not like you missed one payment or were late one day.  The accounts are usually six months behind.  Be accountable for your actions and handle your business and Z&A won't "harass" you.

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456 Report Long ago Unknown
You debt collectors are nothing but low lifes, taking shots at people who are in tough situations. No one expected to be out of a job, no one expected to have a loss in business, no one expected to make a decision in either pay bills or feed your family. I hope you collectors face the challenges we face, turn the table and maybe you scum bags will get a dose of our situations. We all paid our bills before, how the fu*k do you think we got credit? PEOPLE, don't let these scum bag bill collectors ruin your day. Record your phone calls, (makew sure you let them know you are recording them). Look up then fair credit act ( Info is on the internet, use fair credit as keywords) Sue them if they violate your rights, make them pay for their sleazy tactics. Don't let them intimediate you.Better days are ahead for all of us, stay strong, this too shall pass. You will rebound,

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456 Report Long ago Unknown
Real intelligent, calling someone a dead beat, you know nothing about, a very ignorant statement, common among scum bags, (not saying you are one, I don't know you.)  I'm really glad you are able to sleep at night....just not so sure I'm glad you wake up!(Good luck with the $100K thing, something tells me you're not one of them that make that)

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456 Report Long ago Unknown
I am in the same boat as you.  20 years with a company and BOOM, nothing.  Looking for a job was a job.  Luckily am employed but am making a pittance of what I used to make.  Trying hard to keep up, but falling behind none the less.  Prayers to you.

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456 Report Long ago Unknown
Hey there Michelle.  Before you go bashing us for not paying our bills I just wanted to let you know something.  I've been in the work force for the last 27 years without missing any payments on any of my bills.  I worked for the same company for the last 15 years as General Manager of the entire corporation.  I made extremely good money for a long time.  I never expected to lose my job.  Had it not been for the extreme downfall of the economy and how it affected the company I was working for, I would still have a job.  However, my position had to be eliminated.  I was the last one to go and I am thankful for that, but here I am a year and a half later unable to gain employment.  I hear everything from employers such as, "Your overqualified, we can't pay you anywhere near what you were making, you're not what we had in mind."  I can and will do any job that someone would give me.  I WANT TO PAY MY BILLS.  I AM NOT A SLACKER.  Just because you are currently employed don't take it for granted!  You never know when you will be in the same boat as the rest of us.

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456 Report Long ago Unknown
Who died and left you king?  You are nothing other than the same as everyone else...remember that.  You, however, have just a simple job; in fact I would classify your employment as an abusive, underhanded, uneducated, let's hire off the street, give you a script, harassing, telephone canvasser.  What is needed for a job where someone can talk?  Who really cares what you make?  It is blood money-money you threaten people for...that is nothing to be proud of or pick up a check for.

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456 Report Long ago Unknown
Keep getting called at my number for a Paolo for over two years...Keep telling them this is not their number, but they continue to call...I think that companies need to check the numbers they call before the start calling two and three times a day about someone who is not even listed at that number...

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456 Report Long ago Unknown
MichelleI hope lose your job. You do not know how to spell and you are misrepresenting this company.

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456 Report Long ago Unknown
Maybe when you lose your job with Zwicker you'll be hounded by another parasite like you when you cant pay up a***ole!

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456 Report Long ago Unknown
You're "above us"?   Why, because you're paid jackals picking at the skeletons of those who've lost their jobs in a bad economy?That doesn't make you "above" us -- that makes you a vulture, nothing more.The fact that you go after people for debts that were already resolved, AND call numbers that are no longer owned by the person you're trying to collect from speaks for itself."This call is for Greg deSilva"... "you have a wrong number"... "well who is this?"none of your damn business who this is, it isn't Greg daSilva and I don't know him.   Take my number off your list.3 hours later "This call is for Greg de Silva".... what part of you have a wrong number are you idiots too damn dumb to comprehend?

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456 Report Long ago Unknown
First of all smart a** you and  your company of worthless people who myself and many, many others look at as a viral infection that needs to be cured  buy paper and you try and i stress the word TRY to get someone to pay you.This is simple contract law the person who you are trying to collect from owes you nothing and never will. That person did not contract to do business with you. Your company took a chance on the hopes they could get the person to pay them money freely even tho its not owed to them. It's just simple contract law. You must produce documents signed saying that the person in question contracted to do business with you. Your company can never do that because they dont exist. The fact your company bought discounted paper and took a chance is irrelevant. Anyone that is being harassed  by these people  should send them a cease and desist letter certified with the request to provide any and all proof that you in fact contracted to do business with them. Also tell them not to contact you ever again by phone or at your job and keep accurate records of all calls so you can get them fined and sue them.Oh and you make commission off of the people you swindle into paying money they don't owe you.That is how some of you make 6 figures and more.I wouldn't be to proud about having a job doing that.It makes you scum like i said earlier a virus that needs to be eradicated.

978-686-2255

456 Report Long ago Unknown
It's good that you have a job, but as you make over 100K a year & have life style based on that what would you do when you lose that job?You can't get a nother job making no way near 100K may be 25K?How would you feed your family?Do you buy them eggs & milk or do you pay your AMX bill first?I don't like calling people a "scumbags" but from the sound of your email youreally are one. just becuase some one does not have the ability to pay today, it doesn't make them a "deadbeats"I hope you sleep well

978-686-2255

456 Report Long ago Unknown
That was pure poetry my friend.

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456 Report Long ago Unknown
Hey Michelle,No wonder you're in collections.  You have no knowledge of proper spelling, grammar, or how to structure a sentence.  That's OK, today I logged a complaint with the FTC, tommorrow I'll call my state's attorney general, and I look forward to telling our story to a judge. And stick your holier than thou attitude where the sun doesn't shine.

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456 Report Long ago Unknown
I work for Sallie Mae as well and I feel sick to my stomach that this girl is calling borrowers "below us". We are all people regardless of our financial situation. Sallie Mae reps are not there to tear you down. We are there to prevent you from defaulting. I feel awful for every single borrower that I talk to knowing they have no where to turn. Granted, we can only do things for borrowers that our policies will allow. To Michelle..you need an attitude adjustment! I highly doubt your making 100k a year. Treating people like trash isn't going to get you anywhere with them. Put your feet in their shoes for a half a second. How would you want to be treated? Reps like you are why I spend most of my day fixing mistakes and trying to truly help people. We have a goal that we have to resolve, yes. I however am able to reach my goal with kindness and compassion. I feel sorry for people who have to speak with you upon calling in.

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456 Report Long ago Unknown
Michelle, don't talk to fast, because you have a job today you can be out of a job tomorrow, even today.   Things happens in life you can get sick or anything can happen to you at the  twinkle of an eye.  So don't wear your pants so big, what will you do if you lose all of your benefits and your job, what if you lose your home or your cars, your 401K, your retiring money.  What will you do? Can you live off of unemployment, your are so smart and proud, but this big company that you work for can fold up anytime and WHAT WILL YOU DO?  ASK YOURSELF THIS QUESTION? GOD BLESS YOUR ARROGANT, SELFISH, AND ROTTEN CHILD?  YOU WILL SUFFER FOR BEING MEAN ONE OF THESE DAYS AND YOU WILL WONDER WHY?

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456 Report Long ago Unknown
THEY NEED TO GET RID OF BONNIE AND MICHELE THEY ARE SO IGNORANT LOW LIFES HA HA THIS HAS TO BETHE ONLY JOBS YOU CAN GET, EVEN MORONS CAN DO THIS JOB ,YOU DONT NEED A EDUCATION TO CALL PEOPLE AND HARASS THEM   PEOPLE ARE WILL ING TO PAY  BUT NOT TO ANIMALS LIKE YOU TWO REMEMBER WHAT GOES AROUND COMES AROUND, YOU THINK YOU  HAVE JOBS NOW AND YOU ARE BETTER THAN US, WELL WITH ALL THE LAW SUITS  AGAINST THIS FIRM  WHO KNOWS HOW LONG YOU WILL HAVE A JOB AND WATCH OUT FOR kARMA>

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456 Report Long ago Unknown
I have a question regarding your post:Hasn't anyone ever been told that it is illegal to pursue collection of a debt once it is in a status of being NON-COLLECTIBLE????   i.e. discharged debt, bankruptcy, statutes expired, person deceased without estate, write-off's etc.  It is also illegal to pursue when the original creditor wrote the account off and reported it to the credit bureaus as such.If my credit report shows items "charged off", can a collection agency continue to try to collect on this debt?  I am confused.  Thanks!

978-686-2255

456 Report Long ago Unknown
People may not be living beyond their means.  It could be an account as described below...Additionally, -People are human.  Respect the person on the other side of the phone and employees for the collection company may receive in kind treatment.  I did work for a skiptracing company on defaulted student loans.  I was admonished for speaking to a mother in a kind voice.  My boss did not hear one word of the mother's conversation.  Looks were daggers, thrown in my direction.  Yes, I treated the person with decency and received same in kind.  I was reprimanded from this demeanor of conversation held.  I let the boss open the trap to discover how big he could use it.  Thereafter, I proceeded into the company president and chose to disrupt his day by filing a grievance against the manager.  I used decent tones as I have always been taught to treat others as you want to be treated.  Reason I chose to be extra kind.... the debtor had just passed away and the mother was in tears over her son's death.  I got reprimanded for being kind to a parent that just lost her child.  Go figure.  In the long end.... my boss was reprimanded, I received a thank you note from the mother with a certified copy of her son's death certificate and closed the file and rendered my resignation.  ATTENTION high and mighty collectors... Be kind and open your ears before making demands for money.  The person on the other end of the phone just may not owe the money after all.  Until you allow the party to comment on the alleged debt, you will not get the full picture.  For the public:  Collection agencies - by law - must identify themselves and provide information on the debt.  They must also follow up the phone call with formal correspondence from their company providing account information, original debtor, their contact, and your rights under law, etc.  Also, for those not in the know....   State of California Consumer Affairs Department requires all collection portfolio managers to be licensed by the State.  They apply for their license under an assumed name.  So, the person you are speaking with is an alias and is not using their own name.  This is for their protection - - Guess it comes from the attitude that they give to people on the phone and the threats they make against those that may possibly owe money.  One last thing... where do you get off collecting money on debts that the creditor has issued a ZERO balance owed letter and choose to proceed despite the creditor writing such a letter?  You are not proceeding to collect the debt, you are proceeding to collect the salary for the wasted manhours that your legal staff has spent in pursuit of a non-collectible debt.   Gotta love the ingenuity of the legal offices in these hard times.  Hasn't anyone ever been told that it is illegal to pursue collection of a debt once it is in a status of being NON-COLLECTIBLE????   i.e. discharged debt, bankruptcy, statutes expired, person deceased without estate, write-off's etc.  It is also illegal to pursue when the original creditor wrote the account off and reported it to the credit bureaus as such.  So, definitely keep your credit reports to prove what was reported to them on your social security number.  The credit card company received a tax benefit from the IRS for writing off the debt.  They cannot collect on a debt that they already received credit for. AND it is ILLEGAL to discuss matters with a third party regarding the collection.  so... if family, friends, neighbors or others are told that they are trying to find you because you owe them money, take the information they give you to pass along and report them to the State Consumer Affairs Bureau, the FTC, and or other appropriate agency for your state of residency as many have different titles for oversight.  It is ILLEGAL TO DISCUSS ANYTHING WITH A THIRD PARTY regardless whether they are trying to track you down.  Banks and creditors are currently digging up bad accounts from over 10 years plus.  Speaking with community support offices has revealed that many people will pay an offer of settlement to rid them of this debt.  Problem seen by many visiting office, is that they receive another letter several years after the fact for this same debt.  The collection agency did not close the file for destruction after being paid. Instead, they include the file when sold to another collection company.  In this case, the company bought back a file that went a full circle and actually received duplicate payment and has refused to refund the money for the overpayment thus far.  Keep your paperwork on any arrangement that is made along with copies of cashiers checks or other means of payment with these documents.  Many people throw these out after payment is made and cannot prove later that this was done.  Better yet, most recent situation included the reduction in amount owed being pursued by another collection agency for the balance as the original office did not accurately close the file to avoid being sold to another party. (example:  debt owed is $3,000; settlement amount is $1,800 which you pay. Collection agency did not  zero out your account.  It shows that you made a payment of $1800 and owe $1200.  Guess when the clock stops on collection... when the statute expires from the very last payment made which was the $1800).  KEEP YOUR RECEIPTS KEEP YOUR LETTERS KEEP YOUR PAPERWORK FOR YEARS TO COME.  Nowadays, they are pulling many unscrupulous means to make a buck.  I know I got off course, but information is important.  I know you as a person would like to have your account credited for the amount you paid.  I know I would.  Please consider the golden rule of "do unto others....".... when you make that call.

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456 Report Long ago Unknown
as a zwicker employee all i have to say is "dont live above your means" you never know what the future has to hold

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456 Report Long ago Unknown
I feel so sorry for you.  Such a superior attitude.  But just remember the higher you feel you are on that pedestal the longer the fall.  I just hope you don't get hurt like everyone else.  No excuse for rudeness by anyone...even debt collectors.  You get more with honey than with vinegar!  You're an employee.  I doubt you make that much unless you are one of the partners.  So sad.  Keep praising yourself because you are the only one that is.  May you enjoy your holidays and sleep soundly knowing you have made others suffer.  Remember that debt isn't all about pleasures.  It's also about doctors, hospitals, medications and laboratory fees, heating and food.  You know they are called necessities.  Maybe you are the picture of health.  Good for you...but the mighty do fall!!!

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456 Report Long ago Unknown
Michele is the rudest person, this has to be her only job and she she is tryin so hard to get points with the zwickers  she is uncouth and very ill mannered, she is so sarcastic Im hurung a lawyer to sue he what low lifes at zwickersr

978-686-2255

456 Report Long ago Unknown
Who do you think you are God?  You have laws and bylaws to follow and most of you do not.  If I were you I would get an education and find a real job.  Then and only then can you sleep at night collecting a real check at the end of the day; otherwise you are just a piece of nothing harassing people.  Got it?

978-686-2255

456 Report Long ago Unknown
Some people can pay their bills, but as people lose their jobs they cant pay their bills anymore.

978-686-2255

456 Report Long ago Unknown
Who do you think you are God?  Doing any job doesn't make you one iota better than anyone.  Most collection companies fly under the radar, including this one, and you ought to be ashamed of yourself for speaking the way you do; and, when you have an education, find a real job.

978-686-2255

456 Report Long ago Unknown
People like this are so secure and sure that they will have their jobs forever and nothing major will happen in their lives that will cause them to go bankrupt. What comes around, goes around.

978-686-2255

456 Report Long ago Unknown
Who do you think you are God?  Doing any job doesn't make you one iota better than anyone.  Most collection companies fly under the radar, including this one, and you ought to be ashamed of yourself for speaking the way you do; and, when you have an education, find a real job.

978-686-2255

456 Report Long ago Unknown
Way to go Michelle, your so proud you have a job, lets just rub it in the face of all those who don't. Just don't ride around too high, for when you fall it will be hard. I am absolulely appalled that in this day and age a grown adult would be overjoyed at the misfortunes of so many. I can see why you work for the type of company you do, an attitude like that won't get you far any where else. You sound like a child who is bragging to another nah nah nah boo boo I have something you want. Grow up and remember Karma is a b***h.

978-686-2255

456 Report Long ago Unknown
Actually the lowest pay rate is 11 dollars an hour and I do have a college degree.  The economy is bad like everyone keeps stating and it is hard to find a high paying job, but the different is I have bills to pay and I will do what I have to so they dont go into charge off status like everyone else.

978-686-2255

456 Report Long ago Unknown
Michelle,Why don't we all just stop using credit cards so you don't have a job?  You sure sleep soundly making $10 an hour because your sorry a** education won't land you a better job.

978-686-2255

456 Report Long ago Unknown
Hey collector......I am disabled and I am judgement proof.....have fun trying to collect! Your client used practices to destroy my credit when I did nothing wrong. They lowered my credit limit and put me in a high debt to credit ratio. I have never been late nor had I missed a payment. When your client lowered my credit limit for a second time I contacted a lawyer and was told to stop paying your client........they can not collect........and if your client does manage to get a judgement against me they can not collect and I'll file bankruptcy........then I will work to rebuild my credit and my good name! Your client did this to themselves! I was a good customer for 8 years!

978-686-2255

456 Report Long ago Unknown
Sometimes is it  in your best interest to file bankruptcy which is fine. Although if your comment was to make Z and A employees mad, it wont happen.  Actually it makes our job easier, because we know who has the ability to pay and who doesnt and we can move on to an account that might actually recover money for our client.

978-686-2255

456 Report Long ago Unknown
I love it

978-686-2255

456 Report Long ago Unknown
I owe money but I am higher then you because I won't pay it I am filing bankrupcy.. Times are hard and jobs are gone. But people like you are as low as you can go. You can't get anything if we don't have it to give.. Good luck with your so call JOB.... It is harassment.... Let us alone..

978-686-2255

456 Report Long ago Unknown
Correction. We can call you on any number we can find for you. The only point we cannot call you on that number is when you tell us you would not like to be contacted at that number.  You can tell us that you dont want to be contacted at all which is fine, the only difference is that we will not be able to call you an notify you the status you are in with collection process.  If you dont want to talk on the phone, its not going to stop our process, it only stops our ability to contact you and give you a better option than civil suites.

978-686-2255

456 Report Long ago Unknown
Your a bunch of Over zealous morons.......Lawyers, Debt collectors and lets not forget politicans

978-686-2255

456 Report Long ago Unknown
What idiot posted this?

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456 Report Long ago Unknown
After your told them to not call you at work and they call again, you can sue them for harassment under the Fair Credit Act.

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456 Report Long ago Unknown
It is harrasment, that has been proven in court and giving us the knowledge on reprecutions, in other words threatning you with consequences, please, you can do all that in a nice letter that goes in the mail....you know, the legal way. I have asked your company to not call me during work hours all 3 times you have called, the last time my boss threatened me with my job, that is not helping.

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456 Report Long ago Unknown
your 'client' already stole my money in a bailout.  I don't owe you a thing.  Bank's already been paid.

978-686-2255

456 Report Long ago Unknown
Im sure she is a rocket mutt

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456 Report Long ago Unknown
Yeah, we can see you are "highly trained and educated", graduated the sixth grade - if you weren't doing collections you would be at NASA, right? Yeah, sure thing.

978-686-2255

456 Report Long ago Unknown
This is harassment!

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456 Report Long ago Unknown
If you are so educated - perhaps you could go back and spell your repsonse correctly so you didn't look so STOOOOOOPID (yes, I know it's spelled stupid - but I am guessing you couldn't spell REPERCUSSION with a gun held to your head) .... lol

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456 Report Long ago Unknown
Highly trained...hardly.  Recieved a call today about my ex wife (10 years ago) who must have debt, I wouldn't know, don't even know where she is.  The caller hung up first on my wife, then on me when we didn't provide any information.  What an unprofessional organization.

978-686-2255

456 Report Long ago Unknown
thank you for not becoming corpate american

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456 Report Long ago Unknown
I worked for zwicker and you are right most of them don't have a lick of sense. If you think they treat you bad, you should see how the managers treat the employees.Zwicker is a joke 90% of the suits don't even make it anywhere, it's a scare tactic, I tried to treat everyone i spoke with, with respect and full knowledge of what i was doing and as far as training they only train us to work the system and how to be treated like crap they have several suits pending against the company for sexual harrassment and misconduct not to mention the drug usage there. I have seen several accounts go untouched for alot of years most are uncollectable, my advice seek an attorney and don't get bullied by Zwicker, I lost my job because of the crap they allow. And only 1 person makes 100k there and yes it can be all taken from you and I hope it does!!!!!

978-686-2255

456 Report Long ago Unknown
Trained???? What world are you living in? Everyone I have talked to had the conversational skills of a 6 year old! YOU have no people skills and your not lawyers! You’re nobody! Your common folk just like everyone in the world. When one person gets one the phone and get no where they pass it to the next person in the office. Your company is a joke and they are going to end up in many court battles and then out of business. So enjoy your job while it lasts.

978-686-2255

456 Report Long ago Unknown
so you can spell can me make you zwicker partner!

978-686-2255

456 Report Long ago Unknown
Highly trained and educated people use proper punctuation and capitalize the first letter of a sentence.

978-686-2255

456 Report Long ago Unknown
actually it is not harrasment to call you to pay your bill,neither a threat to give you knowledge on what reprocutions may be done. It is actually helpful.would you rather us not tell you then to later be served and then you ask why?? we are truthful and are here to try and resolve it with you. harrassing is to call you 8times a day scream at you etc...but we do not we are highly trained and educated to where it is all about communication.sorry if you do not like to be told and asked to help work with you to resolve it to switch it up like you are being harrased. maybe you should listen instead of hanging up because it will effect you and your well being not ours. it is a hard job we are not here to harm you we are case managers that call you to help.

978-686-2255

456 Report Long ago Unknown
not for nothing michelle but it actually illegal to harass someone regarding collections.  You can not call them at work and you can not harass them.  When I hear "just pay it" in a rude voice I hang up.

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456 Report Long ago Unknown
Their lawyers are retarded, they rely on the fact that most people won't file an answer and they get an automatic judgment.  File an answer!

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456 Report Long ago Unknown
Zwicker has lawyers in every state and the states they dont have any they hire independent lawyers to show up in court so good luck with that.........

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456 Report Long ago Unknown
Very good advice.  Don't be a chump; if you get sued, file an answer.  But long before that, demand they stop calling you and that they produce a certified copy of the contract under which their demands are made bearing your signature and a statement (not summary) of the alleged charges or purchases you made.  In most cases, they cannot do this.  If they try to file suit, and they often will, this alone will get their case dismissed, and gone for good.  Demand a jury trial, call the creditor's managers, people that called you on the phone, subpoena their phone recordings - when they refuse to comply, case dismissed.  Most people who have a judgment against them simply did not file an answer to the suit and make an effort to find out what to do.  They count on the high cost of lawyers and their "target" being out of work and broke and will try to get away with all manner of illegal stuff, like calling late fees and interest "purchases" (fraud, and illegal in almost all states), etc.  Use the web.  Read.  Fight back.  If you are out of work you should have the time to do this!  Once you get working again, get help from an expert at rehabilitating your credit rating.  If you plan to need loans, you will have to settle your debts, but in the meantime, don't let people lie their way to a judgment against you because then it is too late.  If a judgment seems inevitable, bankrupt and start over.  A garnishment will lose your new job for you, do not let that happen.

978-686-2255

456 Report Long ago Unknown
You are an idiot.  The lawyers suck and are afraid of any trial because they know that a witness for their client probably wont show up. Send a cease and desist letter to stop the calls.  File an answer and notice a witness for trial.  Odds are, your case will be dismissed.

978-686-2255

456 Report Long ago Unknown
You can get Legal Sheild for $17 a month and have a top rated attorney to talk to anytime for any reason. I am a Legal Shield associate and have already used them for advice on my collection problems. You can go to my site if you are interested. No contract. Month to Month. www.legalshield.com/hub/richardlburge. It will be one of the best decisions you can make. Blessing to you and your situation.

978-686-2255

456 Report Long ago Unknown
my mother had dementia and I had to work a debt with citibank - she had an original debt of $5K that grew to $38K because of them raising her interest to 38%.  She too was also on SS -- but was married to a scumbag, my dad -- who just stuffed his money away and was living off her SS and my disabled borther's SSA/SSI moneyWhen she got dementia my sister and I took over -- i got her POA and worked on settling her debts.  She passed away before I got her debt settled, but since she died - they agreed to settle for $5k.  her original debt - without all the interest and over the limit fees... they can not come after your property just because you are POA -- they can only go after her - but since all she has is SSA -- it will be very hard to get.  I know you wrote this in nov of 2010 - just want to know if you ever got the debt settled  I hate these companies taking advantage of people on fixed income.  My father sold the house when she died and moved back to the phillipines.... he sold the house for $800K and had saved $400K by living off my moms SS.... Needless to say - I hate him for making my mother get so worried and depressed over her debts...

978-686-2255

456 Report Long ago Unknown
I have tried to work with Discover on a hardship program which they gave me for 1 yr. I calledand asked them to continue but the refused. I am now working with Everst Debt Solutionsand I understand the process they have me go through(this by the way is my Mom's Debt butshe now has dementchia and I have poa). If this all works out this debt of just over 18,000can be paid in 3 yrs. I did get a letter though from Zwicker attempting to collect the debtand have as of today refered them to Everest. My concerns are if they sue do I need anattorney?? We just can't afford one. My mothers owns nothing and her SS is very limited.I worry they would come after me the poa and take my home or garnish my ss which isvery very low. This all is making me crazy.I want to continue with Everest as I dotrust them and this was my only option.

978-686-2255

456 Report Long ago Unknown
Since when has any company abid by the law!!  This is why the world is in the mess we're in today!! Don't be niave!  or think we are stupid!

978-686-2255

456 Report Long ago Unknown
STOP PAYING THE DEBT SETTLEMENT COMPANYAll they do is toss your money in a savings account every month, take their fee off the top, and when there is a decent amount in there they call your creditors and try to low-ball a settlement. Mail the collectors something to revoke the power of attorney you signed with this company. Then call the creditor and tell them how much you can pay a month. Cooperate with the collectors, answer all their questions as honestly as you can (remember they are bound by law and wont try and take advantage of you). They will ask why you stopped paying and work out a hardship arrangement for you.

978-686-2255

456 Report Long ago Unknown
So what about ppl that lost their jobs and were unable to keep up with their bills and this is where they are at now?  The ppl that want to resolve the debt?  What could a person do that lost their job and was unable to continue making payments, but did try to resolve it and make the payments then sought help with a credity agency to help settle out? What can we do now?

978-686-2255

456 Report Long ago Unknown
interesting, DO YOU WORK FOR THEM?  NCO SUED ME.I COLLECTED OVER 90,000.00 like ZWICKER, STELLER, THEY ARE SUE HAPPY AND THEY REFUSE TO ISSUE A LETTER OF VALIDATION, SUE YOU W/O INFORMING YOU OF A COURT DATE AS REQUIRED BY LAW. there problem they called me up to and over 18 times a day for someone who never had this number. they demanded my SSAN and they demanded my bank account and CC. number. I never owed them and they never told me whom they represented.  they robo called Since this is in violation of federal law to ROBO call or leave a ROBO call on a cell for someone else who is not yours, I won. They point is they don't care. they went in court and lied, they never did it. I played the recor4ed messages off my Voice mail. I told them 60x this isn't the correct number, sent cease and desist letters. Quit trying to make out they are so misunderstood. ZWICKER does the summery judgment and never informs you so you are a no show. No wonder for the president as been disbarred from practicing law.

978-686-2255

456 Report Long ago Unknown
U might get paid with stolen  money

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456 Report Long ago Unknown
get off the web site if all is so good for you. it is great to live in your utopia but not all of us are jjust losers trying to get a free ride.but at some point i question the banks ///how much do they think they should make on loans. lets just go bach to organized crime and the loan sharking rates of 45-50%

978-686-2255

456 Report Long ago Unknown
i am a collector and i used to work for citicards, which is a very corrupt company. (doesnt send first statement to default interest and charge late fees.) Most people dont look at the contract or what they are signing. So in all its 50 percent company for creating a contract that will charge alot more that is owed, and 50 percent consumer for using a product that will get goods and services before you can actually afford them. Credit can really work for you and credit can destroy you. It is this wonderful free world that we live in that allows this to happen. Advertising makes you believe u can have great life moments bc of credit. (Discover commercials- watchin your first child at her opening act: priceless.) dont be suckered in by corporate america. take responsibility and learn from mistakes. "Those who do not learn from history are destined to repeat it." We are all human and mistakes are made. Dont continue in the same path. Put back 20 percent of your paycheck and forget about it. The collector who thinks he or she is high and mighty needs a slap in the face. That is rude to say to your fellow man. we all need a break every once in a while and if you owe something, that break will come. Just have to get the right collector(I WILL HELP YOU)I would say dont procrastinate bc you can be sued. AND depending on the state, wages garnished, lein on property, etc. Not to offend anyone but be responsible you did sign a contract. But once your paid up, forget about credit. It will be worthless in 20 yrs any way.

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456 Report Long ago Unknown
great post... a crash course in how the all americkan money game works and how the sheeple allow it... through their ignorance and submitting to seductive sublime measures... let us all remember that we vote with our money... thank you

978-686-2255

456 Report Long ago Unknown
What the credit card companies don't tell you about are the sweet deals they get from our government officials.Google 'fractional reserve banking'. Google the 'federal reserve'. The entire thing is setup someone to fail. Under government rules, your bank only needs $1000 of actual money to create a $100,000 'digital loan' thats a 1/100 ratio. Imagine if you could do that? Plus they can loan money from other banks to leverage it even further! If they actually had to use their own hard earned money to loan it to you thats one thing, but to collect three times the amount with interest should be criminal. Our own government also loans money from banks which 'create' the money. Google it if you don't believe me. Then we pay interest on that through our tax dollars. Our country has just a few years left of playing 'the game'. Billions of interest paid to bankers. Then its having the IMF rape of financially(or physically as we've seen the head of the IMF do in the news) or let the government do what our citizens need to do. That's default on the debt. The we can start fresh. What does 10% of the world have 90% of the money?Because we let them.

978-686-2255

456 Report Long ago Unknown
Why do so many people think that they can have anything for free. When you use a credit card the is a legal binding agreement between you and the creditor. These companies take large risks lending people unsecured debt. Unsecured debt comes with high intrest rates. This is due to the fact that there is nothing that the company can repo if you do not pay. Credit card companies are not a charity. They are not in the business to give money away because you fell on hard time or because you just don't want to pay. Yes it is unfortunate that bad things happen to people and they can not continue to pay. Does job loss or illness give you the right to walk into a supermarket fill a cart with groceries and walk out without paying? No. Is it o.k. to fill your gas tank up and drive off without paying? No. Why is it that credit card companies are the bad guy. Did you complain when they paid for all of the goods and services that you used the card for? Probably not. When you get a credit card in the mail and open the envelope there is a sheet of paper included with the card that states the APR and all of the charges that can be applied. Its not like they didn't tell you that you would have intrest and fees. You used the card. You agreed to the terms. Why isn't it important to repay a debt that you owe?Lets pretend it's pay day. You go to pick up your check from work and they tell you that you don't have a check. When you ask why they say "Sorry, we have had some unexpected expenses and unfortunately we do not have the money to pay you right now. We had to pay the bill for the lease and utilities. We understand that you came to work every day and that you worked your full 40 hour shift but times are hard. we just don't have anything to give you right now." I bet you wouldn't be understanding. Then you ask when you can expect a check and they tell you "We want to pay you but we can't be sure when we will have the funds." A couple of weeks go by, you continue to go to work because they promise that you will get paid. After you go several pay periods with out getting paid you approach them again and ask where your money is and this is the response that you get "We have good news, revenue is up and we can pay you now. The only problem is we don't have all of the money that we owe you. Would you be willing to accept 50% of what you are owed and call it even?" Is this fair? Would you agree to this? No. When you took the job you expected to be paid for all of your work, right? Do you think it is any different you credit card company? These companies lend people money to make money. Yes they do make money. That is their sole purpose, they are a business. If you don't want to pay your debt that's just too bad. You have too. If you choose not to you can be sued. Don't think that the courts will side with you. You agreed to all of the terms of the card the first time you used it. If you can't pay go see an attorney. You might qualify for baknruptcy. If you think you are too good for bankruptcy you can just get sued. If you choose to work with a Debt Settlement/Consolidation Company you are just stupid. These companies charge you a fee to save money in an escrow account. Then when you have enough money saved up to offer a settlement on one of your accounts they contact that creditor and ask them to take a smaller amount to consider the act paid. If you can't pay your bills why are you paying a company to hold your money for you, Have you ever hear of a savings account. You can get one at your local bank. Most of them will pay you intrest. It might not be much but it's better that paying them to save money for you. Don't forget that while these companies save your money they will not be making any monthly payments to your credit cards. The last time I checked it didn't cost anything to stop paying your bills. Is everything really going to be ok if you pay a company like that.If you want to bad mouth collectors and collections companies go ahead. They didn't put you in the situation that you are in. If you want change something you should start bad mouthing the companies that take advantage of people who are having financial difficulties. Debt settlement companies are the real problem. Collectors want you to pay the debt you made. Settlement companies want you to create another debt to pay your debt. How much sense does that make?

978-686-2255

456 Report Long ago Unknown
Ok, I just pay, but it might not be my money I'm paying with! just sayin

978-686-2255

456 Report Long ago Unknown
im sure there were iron workers who built ovens for the Germans to burn Jews that were doing their jobs. Because you have a job at a piece of dog squeeze law firm doing business for opportunistic clients like discover card with infinite pockets to shake down people using nearly criminal tactics others should give you a break? I paid my bills, i'm not going to give a creditor 30% interest over the next 30 years and pay $30,000 dollars in interest on a 5,000 dollar balance that never seems to go away. Your "clients" are scum, and so are you. expect  the abuse. p****off

978-686-2255

456 Report Long ago Unknown
I hope if you are still employed thru this company you have realized Ziwicker and Associates purchases these debts and cannot represent the original creditors because they have charged off the debt and sold it to your current employer.  You are the debt collector not the representative for these creditors, they make money off you.

978-686-2255

456 Report Long ago Unknown
100 grand a year you can feed a few families I would say.What about us poor b*****ds.

978-686-2255

456 Report Long ago Unknown
what the amazing thing is that we are complaining about Zw and assc, but the fact is I pd Bank of America for years. Realizing that the balance was getting too lrg I cancelled acct. In response B of A jacked the int rate so the balance went from 20k to 28k quickly w/o even using the card and paying 700.00 a month. I went back and looked thru the bills, and if you add up what i pd B of A the last 2.5 yrs far exceeds what i spent. So all of you zwick people that say we are deadbeats who do not pay our bills....screw u...the bank got all the money they lent me plus....they sent u and zwicker to try and collect the ridiculous fees and interest they charged.

978-686-2255

456 Report Long ago Unknown
What you don't seem to understand is that there is something called a "global" rate in which if you are late on your mortgage payment, your interest on your credit cards can go up per the contract. And as far as Zwicker and Assoc., they ARE NOT lying about working directly for the original creditor. All guidelines are set based on the client (whomever it may be.) Zwicker doesn't buy the debt. They are a collections law practice, not a debt-buying company. Typically, debt-buyers do not gain access to purchase debts until after it has been through a collection firm and deemed "uncollectable."  As for the way you all have been treated I am sorry to hear about it. I understand that these are hard times and it is extremely hard to meet your commitments once you've had a hardship. Please though, do not make it out to be the collector's fault. We are not to blame. I am simply there to do my job and feed my children. I treat everyone I come in contact with, with the utmost respect. I understand having been in these situations myself. I have been in accidents, laid off, took pay-cuts, so I can definitely relate. My only advice that I can give is that if you try to make and honest effort, whether it is small payments until income tax time, than they will see you are making and effort. I understand that some people you may have dealt with have been harsher than what is necessary. Please don't turn this into a stereotype though. Not all of us are bad or hateful or even dishonest. We are simply doing our jobs so that we are able to maintain ourselves and no, we are not ALL making 100 grand a year. I still struggle to pay my bills but as long as you work with the creditors as best as you can, they most likely will work with you. I took my job to help, not hurt. I make the calls to help set up arrangements for before litigation begins. I don't want ANYONE to have to go through what litigation can bring. And yes, I am able to go home and get a good night's sleep because I know that I abided by the laws of FDCPA and that I may get to help atleast one person a day (as long as they pickup the phone.) I wish you all the best of luck and I know you will get through your hard times. Just make and effort to do what you can, that is all that is asked.

978-686-2255

456 Report Long ago Unknown
So what you are saying is, it really doesn't matter what the creditor does, (in some cases the creditor does illegal things to lock you into paying much more than you originally agree to, or have a payment due on sunday that they recieve on saturday yet charge you late fees because they can;t process it until monday, or flat out change your account from a fixed rate to a variable rate) you are responsible and a deadbeat for not just paying it? All of the above are illegal, and they should not be able to do it, yet they do over and over than hire firms like Zwicker to collect when the debtor fails to pay. Most people can't afford attorneys to fight a credit company that has millions of dollars and law firms on retainer, and if they don't, they get money from the government to take care of their mismanagement of funds (just because all of their debtors don't pay them does not give credit companies the right to not pay their bills either, yet they did....and taxpayers bailed them out, they did the same thing the people they are going after did.) You are not trying to collect to pay the original creditor...you are a liar. Your firm (or the collection agency it works for) has bought the debt for pennies on the dollar, the credit company charged off the debt (in most cases) that is why you don't introduce yourselves as from the original creditor but as an employee of a collection agency and not an employee of (blank) bank or credit card company, furthermore we could not go to the orginal creditor and negotiate a payoff, they will refuse to talk to debtor and refer them to the collection agency, . We are not fools, nor did most take on the debt with the intention of defaulting...sometimes it is the change in the creditors policy or an amendment to the agreement that causes the default. Other times it is a late payment that prompts credit agencies to raise interest rates to an out of control amount. It should be illegal and there is legislation now making it such, but do not think that any of that gives you the "right" to pass judgement on the people you are calling, try listening to the reason there was a default maybe you will gain some insight as to what is going on. Maybe you will change your mand about the "deadbeats" you are going after and realize that there are usually good reasons why someone fails, not always that people just want something for free.

978-686-2255

456 Report Long ago Unknown
first off i would like to say i just started at zwicker and a**. i had no idea what it would involve. you people must understand it is the creditor that wants the money not us. they hired our firm to collect the debt. why should you get things for free. i understand the hard times believe me and have been behind but at least i know it is my responsibility to pay the debt. trust me it is a job a hard job. we know times are hard but our creditors want their money as they deserve. i have found that zwicker really does try to work with the debtors and of course there are a few employees who take advantage of that but for the most part we are there to do what we were hired to do and make a living to feed our family. so give us a break and pay your bills

978-686-2255

456 Report Long ago Unknown
I cant spell. why do creiet cards go  to  kids in collage  befor the have a job.

978-686-2255

456 Report Long ago Unknown
Are you mental? First things first, learn how to spell. Secondly, the only thing a collector is doing is making a living by enforcing the contract that a consumer signed. Regardless of what your situation is, you are in it because of your financial irresponsibility. The economy has cut many people down to size and hopefully with many people having nothing they will learn from their mistakes and start a budget to manage their finances instead of binge shopping and running up 1000's of dollars in debt on credit. I was always told by my grandfather, if you can't pay for it with cash you probably don't need it. I understand that there are some things that do require financing but credit cards are not to be used to buy a bunch of stuff that you knowingly couldn't afford otherwise. If you make the debt you will have to pay for it at some point. The only decision you are left with is will you pay it now at the current balance and on a voluntary basis or later with a bunch of fees that you WILL HAVE TO PAY on an involuntary basis.

978-686-2255

456 Report Long ago Unknown
Yea!!! you earn 100K well lucky you!!!..that doesn't give you a right to constantly call and threaten people, I would hate to know you in person if you sleep soundly at night by harrassing people!!!!!!!!. I would sooner be broke and sleep soundly at night with the knowledge of knowing I don't teach people like scum because they have fallen on hard times. People want to pay their debt but CAN'T because they don't have the money right now, why can't you just be patient and wait a while while people try and get back on their feet? Then you can get your greedy little hands on their money. LOOSER

978-686-2255

456 Report Long ago Unknown
Gee Kate that is great, you are a wonderful person and did a great job...by the way when you planned for that rainy day did you plan to lose your job for a year and a half, struggle to keep food on the table for a family of 4 while keeping all of your bills current? Were you too experienced in YOUR job that potential employers would not hire you because they knew they could not afford your salary (even though you specifically said you will work for half?) I doubt it...you had to have some kind of steady income while doing what you did, some are not as fortunate and the jobs they had for many years disappear because of the economy and no fault of their own. They are not able to find work that even comes close to paying the salary they had made for many years. It does not take long for you to get behind even if you planned for that rainy day when you suddenly have no income.

978-686-2255

456 Report Long ago Unknown
come on, why are you on this site commenting?  If you have such a perfect life and no one is calling why are you responding to these messages?

978-686-2255

456 Report Long ago Unknown
Come On, Come On, get off your high horse!I was just like you, had a great job, paid my bills, had full life/disability/health/auto insurance, saved my money and kept to my budget.  And you know what happened?One day on my way to my wonderful job, some bi*** in an SUV decided the stop sign didn't apply to her and T boned my vehicle.  I spent a year in physical therapy and now live with permanent disability.  I can't work anymore.  And all that insurance I had?  I'm still fighting with lawyers to get.  Over three years have passed, my savings are gone, my IRA is cashed in and gone and I get food stamps and medical for my kids now.  I went from upper middle class to welfare in a millisecond.  ALL THE PREPARATION IN THE WORLD STILL LEFT ME DESTITUTE.  IF IT HAPPENED TO ME IT CAN HAPPEN TO YOU!SO GET OFF YOUR HIGH HORSE, WE AREN'T ALL THE IRRESPONSIBLE DEADBEATS YOU SEEM TO THINK WE ARE.

978-686-2255

456 Report Long ago Unknown
plan for a rainy day and do not expect to have what everyone else has. That is the best way to stay financially aflot in these times. good or bad economy it is a good rule of thumbGood advice, not always easy to follow, if you are fincially sound to plan for worst case senerio good for you. Most people even with excellent planning can not plan for everything. Example I know a family member that lost their job, got divorced & then was in the hospital extremely sick for 2 weeks, in that order. Granted that is an extreme case, but how do you plan for something like that. You can't. Some people have been laid off for almost a year because they are looking but are "over qualified" for the positions they apply for. In this day and age with the way things are going, you can not make open generalized statements, they just don't work. As a tax payer who is single and has managed to put her son thru 4 years of college I am glad that there are ways to collect money from people. Why should I have to pay for your mistakes as well as my own bills?As for this statement, I hope if anything ever happens to where you are in the same situation as the other people are here, you remember this & don't complain when collection agents start calling you. Not that I would wish that on anyone. But once again you never know what could happen & a generalized statement like the above can turn around & bite you.

978-686-2255

456 Report Long ago Unknown
actually you are in correct federal guaranted student loans like Tgslc (texas gaurantee student loan corp) can attach social security. And rightly so in some cases. Not everyone is a deadbeat true but many people do attempt to slither out of thier bills if they can find a way. As a tax payer who is single and has managed to put her son thru 4 years of college I am glad that there are ways to collect money from people. Why should I have to pay for your mistakes as well as my own bills? live within you means, plan for a rainy day and do not expect to have what everyone else has. That is the best way to stay financially aflot in these times. good or bad economy it is a good rule of thumb

978-686-2255

456 Report Long ago Unknown
Not everyone is a deadbeat.  Some people have become extremely ill and can't work anymore.  You are not above anyone all you do is harrass and become rude.  So get off your high horse.  Just like your message here. Also you can't touch peoples social security.  My mother found that out and your company lost.  So it is possible

978-686-2255

456 Report Long ago Unknown
OK I have now dealt with these nasty folks directly. They have zero regard for humanity or the decency of a situation. They are rude, ornery and frankly think they are simply 100% correct. The reality is that by the time they are calling you...they have purchased a debt from xxx creditor......so if you owe an amount.....the company you owe has probably written you off already. So, you are now negotiating with ZWICKER....they are on the hook for whatever they bought the debt for........NOT WHAT YOU OWE.Yes, they will serve papers and take you to court......if the amount is enough.....so be prepared....but in the end you are in negotiations here folks......and its not for what you owe  any more.......and its not with the credit card company. So, verify with whomever they say you owe money to. I wouldn't trust these guys at all. Then if the company has NOT written you off, tell them you want to work out a settlement. If they have written you off then your deal is only with these guys.........and they try to play hard ball because they have no regard for you or your situation. NONE.

978-686-2255

456 Report Long ago Unknown
right on go for it i'm sure the 99 % will be behind you . may i suggest starting a FB group to spread the word about those scumbags and others like them .....

978-686-2255

456 Report Long ago Unknown
They have to personally hand you the summons. Otherwise don't worry about it. I had a number of lawyers trying to get me to use them since they get these notices of a court number. I called my legal shield lawyer and he told me that they may be taking me to small claims court in the future. Until I get a legal notice from the court, I don't have to worry about it. He said when I do get a notice from the court, to tell the collector to prove the debt. That buys you time. He also said to call him when I get the official court notice and he will tell me my options.

978-686-2255

456 Report Long ago Unknown
I have been with a company for two years working on getting everyone paid.  Now Zwicker & A**. has sent a "summons" to appear. I got it a month after it was dated. No court seal, no clerk signature.  What do I do to fight this?   My consolidation company doesn't want to help me any further on this one.

978-686-2255

456 Report Long ago Unknown
I recently received an order to appear in a civil lawsuit with Zwicker & Assoc. on behalf of Discover so they claim. I understand when I called for the fax number that the message I heard is that they are a debt collection company, so this tells me my debt that Im sure Discover has written off, has been purchased by Zwicker as a means to make money. I DO NOT owe Zwicker & Assoc. My debt has been consolidated for the past 2 yrs, and all my creditors have been paid off and Im down to the final 2, which Discover is one of them. I have been getting offers from other creditors that they would like for me to come back as a customer because I have taken control of my finances and have been doing Good. My question is, Why so late in the process do they want to sue, Discover was put on notice a long time ago. DO NOT be AFRAID to fight for your rights, especially if you are doing what it takes to get your debt under control.

978-686-2255

456 Report Long ago Unknown
There you go. Good for you  All these people get their bail out monies and we get crapped on as usual. everyones debts should all be erased...Then given x amount of money to start over just like monoply.  14 trillion + in debt. Let Zwicker go collect that or chase an ambulance.

978-686-2255

456 Report Long ago Unknown
If they are suing you,  you must appear in court, take all your documentation with you to show the judge you have been paying the card company directly. This case will be thrown out, you may counter sue and may or may not collect money from them. Also before you go to court make copies of everything and send one copy to the Law firm & one copy to the Judge's asst. I asure you the law firm will call to work things out and will even try to get you to agree to a consent judgement - DO NOT CONSENT!

978-686-2255

456 Report Long ago Unknown
I'd like to know more about any class-action suit against Zwicker. I have a Discover account that has been kept current it's entire life but mysteriously ended up in Zwicker's hands in 11/2009 (--I've been trying to get documentation that shows how I am in 'breach of contract' ... I don't know if I expressed some hardship or some forbidden frustration for their reducing my credit line, or what...) Anyhow, I kept paying Discover directly, online, on time, and month after month; always over the minimum due, and sometimes over $500 at a time (on a less than $5K balance). Yet despite this I just received a summons from Zwicker; I am being sued for $7,500. They've done nothing more than make personal attacks and threats in the months leading up to this, and they have been unwilling or unable to provide me with any information on how my account ended up in their coffers. Discover will not speak with me directly either.

978-686-2255

456 Report Long ago Unknown
I totally agree with you...people do not get behind on debts because they are lazy or irresponsible... they get behind because the economy hits the skids, one or more people in the home have lost their jobs, and then the credit card companies stick it to us lowering our credit limit to LESS than what we already owe, then charging over the limit fees and then late fees when you can't pay!  Get over yourself, whoever the person is who works for Zwicker!  You should be ashamed of yourself!  It could be YOU on the receiving end of this crap!  These people ARE scumbags and I will not deal with them!  If they want to take me to court, I am loaded for bear ... let them bring it!  I have kept extremely precise notes of all the calls and threats.  If they take this any further, I will join in the class action lawsuit that has already begun against Zwicker!

978-686-2255

456 Report Long ago Unknown
To the girl or guy that thinks they are so high and mighty you should know that I along with alot of other people were once so high and mighty.  My company folded and I lost my job and that is why I can't pay my bills.  People don't choose to not pay bills on purpose and ruin their credit.  To be harrassed because of this misfortune is just plain crazy.  You should be thankful no no you should be blessed you have that cushy job of yours making over 100k a year and you should pray no one or yourself causes that to go away.

978-686-2255

456 Report Long ago Unknown
i work for zwicker....all u say were scumbags but were just doing our jobs. calling you guys who dont pay ur bills. if you cant afford it dont buy it. I know the economy is bad but that doesnt mean u dont have to pay your bills so before you go off on us remember we HAVEEEE jobs and we pay our bills so dont speak to us like we are below you because were actually above you...some of us make up too 100k a year just calling you deadbeats...whether you pay or not we sleep soundly at night.and good luck with your countersuit...you owe money you have to pay if you do get any money out of the suit itll be used to pay me for doing my job

978-686-2255

456 Report Long ago Unknown
If you need further help, let me know, especially if you get a presentment in the mail. You have to respond within 30 days or that gives them jurisdiction over you. I have they don't have an answer for.Let me know if you need any further assistance...Thanks,Scott

978-686-2255

456 Report Long ago Unknown
Don't get Snippy ~ works both ways. I have been hounded for a debt belonging to  a man that Died over a year ago. I was not maried to him did not live with him, and most assuredly did not have any joint bills,  accounts or properties~ I was advised to settle the account before further action was taken agaisnt me ~ All I did was send the mail they kept sending here BACK to them marked Deceased left no address~ From then on they kept mailing his mail and Threats to my address and then the phone calls started ~ That Is just plain wrong ~ you people are twisted, I had to pay a lawyer to write them and threaten them before it stopped ~ it took a year ~

978-686-2255

456 Report Long ago Unknown
Just so people reading this in 2011 and beyond are aware, this skank works for Zwicker and is full of sh*t.When your unsecured debt, ie. credit card, is "written off" by Visa, MC, etc, you are no longer bound to their terms.... meaning, that the original credit card company wrote off your debt and sold it to this scumbag's boss...and this filthy little rat will call and harass you and your family members for money you no longer owe. Remember, when it's charged off you are no longer legally responsible for the debt because it no longer exists... Your credit rating will be tanked but that's life, right?  What you don't need to do is pay or even acknowledge dirtbags like this because they have ***no legal right*** to collect!!They're just hoping you're stupid or scared and will pay them money to get them off your back... you don't owe them anything!  And paying them *does not* repair your credit!!  You will still be shown as charged off on your credit report which is almost as bad as bankruptcy.  So whether you pay this scumbag or not your credit will still be tanked.  If you really owe money and someone really wants to collect it, they'll sue you...

978-686-2255

456 Report Long ago Unknown
I disagree with your suggestion.  When an account is turned over for collection and the bank has already been made aware you have an attorney who has contacted them, the banks obviously have that information.  It appears to me that someone is less than honest handling the accounts for collection.  Do you think the banks should be held accountable for failing to turn over all the information pertaining to accounts and representatives when they write them off, then sell them off to collector's for pennies on the dollar?  Or perhaps Zwicker and other agencies of sorts should be held accountable on the same level?  It is amazing how little collectors claim to know.  My opinion is that many the banks have created their own problems.  Minus of course, their bail outs at our expense. I'd prefer to hear someone well experienced in how this system of collections really works, disclosing their earnings and terms of employment, etc.  I can only assume no one mentions it because it stinks like "a rat."

978-686-2255

456 Report Long ago Unknown
That is true, but the collection agency must have the means to call your attorney to verify this. Either you did not give Zwicker & Associates the name and telephone number of your attorney, or your attorney is not doing his/her job and contacting Zwicker to update them.Basically, don't get snippy with the collectors when they ask for your attorney's information.

978-686-2255

456 Report Long ago Unknown
Why do you call someone who has legal counsel, which is against the law in all 50 states. You can ONLY contact the attorney representing the person, not the client once legal counsel has been obtained. Stop treating people like they're stupid and don't know the collection laws and their rights according to the Fair Debt Collection Act. If they have legal counsel, you need to call them not the person.

978-686-2255

456 Report Long ago Unknown
this is true - if you do have a dispute with your account that may not have been resolved prior to our firm the best thing to do is to fax over the dispute asap as well as the documents backing up the dispute and why you are not responsible for the ongoing debt. It does happen, there your dispute will be on file and referred to the creditor but keep in mind it has to be prooven that it is not your debt and with that the fax will have to contain as such. if not a dispute the best thing to do is to call in and speak to a rep and try to come to an agreement to resolve.

978-686-2255

456 Report Long ago Unknown
Zwicker former employee...All you have to do is call and get the fax # and send them in your proof..Once you have sent in the proof the support team will note your acct for the fax and contained information...Good luck

978-686-2255

456 Report Long ago Unknown
They are calling and harrassing me about a loan from Sallie Mae also. My name isn't even on the loan anymore and I told them that I had paperwork to prove that, they said they didn't care "the paper in front of me has your name on and that is who needs to pay for it!" After going at it for about 15 minutes she actually got irritated enough with me that she hung up!

978-686-2255

456 Report Long ago Unknown
Either way they are scumbags they are coming after me for a mishandled loan that sallie mae screwed up from the get go...Instead of doing some actual work other than harrassing myself and the co-signer (who paid Sallie Mae to get off the loan).  These dopes are setting themselves up for a counter suit and I am jumping with joy the more and more I find out about them....Companies like this should be wiped out.  Especially in times like these when people can barely afford to get to a job!  Just pure scum!

978-686-2255

456 Report Long ago Unknown
Unfortunetly Zwicker and Associates can sue you.  The correct statement is that the debt is unsecured but Zwicker and Associates has attorneys in almost every state.  When they file suit against you for on behalf of the creditor it turns the judgment onto the debt making it SECURED and not unsecured.  Once they judgement is in place and this is now a secure debt they have the legal right (state laws prohibiting of course) to garnish wages for this debt, lein your property and levy your bank account.  In some states (Michigan especially) they will actually repo cars and other property and sell them at a public auction.Not to mention kenneth zwicker is not paul zwicker so they are different people but there is a zwicker and associates office in the state of california with a practicing attorney licensed there to litigate on their behalf.

978-686-2255

456 Report Long ago Unknown
According to the company's profile (http://tinyurl.com/3plwm9) there's at least one workable lawyer on staff: Robert W. Thuotte. As for the president, ...PRESIDENTPaul W. Zwicker admitted to bar, 1979, Massachusetts. Education: American International College (B.A., 1975); New York Law School (J.D., 1979). Practice Areas: Civil Litigation.There's more about him elsewhere, such as news for the California Bar Association:http://tinyurl.com/3rhwq7KENNETH D. ZWICKER [#116486], 46, of Chatsworth was summarily disbarred Aug. 21, 2005, and was ordered to comply with rule 955.Zwicker was convicted of one count of mail fraud in 2003 and placed on interim suspension in 2004. Because the offense was a felony that involved moral turpitude, he was summarily disbarred.

978-686-2255

456 Report Long ago Unknown
Zwicker & Associates collection agency.

718-427-4466

1 Report Long ago Unknown
This number has called my home several times.

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