ZWICKER ASSOCIATES
Consumer Complaints
There are over 297 complaints on file for ZWICKER ASSOCIATES. Dated between 2019-12-16 and 2013-07-23.
Complaints Page 5
2017-07-10
Glendale, CO
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Seized or attempted to seize your property
Complaint: I am in the process of resolving all of my credit card debt. I employed XXXX XXXX XXXX to mediate the process. I make consistent monthly payments so that they can negotiate repayment of my credit card debt. On the outset, I was told XXXX XXXX do not settle debt. Therefore, I am not disputing my balance with XXXX. I am willing to pay what I owe to them. <P/>I was summons to court by Zwicker & Associates, P.C. regarding the {$3200.00} past due balance I owe XXXX. My court date was XX/XX/XXXX at XXXX XXXX. I checked in with the clerk at XXXX XXXX. By XXXX I was n't I proceeded to checkin with the clerk again and was told Zwicker entered a default judgment against me because I did not appear in court. That is a false statement. The ourselves did not call my name to discuss a resolution. <P/>The day prior to my court date, a arranged with XXXX or Zwicker collection department to make a {$300.00} payment on-demand and recurring $ 300 monthly installments via ACH through XX/XX/XXXX. The last debit from my bank account will be {$230.00} on XX/XX/XXXX ( confirmation # XXXX ). I called Zwicker & Associates office back to 1 ) inform them of the repayment arrangement and 2 ) to verify whether a court appearance would be necessary. Zwicker 's refused to verify my payment arrangement except to say they can not give legal advise. <P/>I feel deceived and harassed by Zwicker & Accociate. After the clerk tried to call the counsel to return because I was in fact in the courtroom on XX/XX/XXXX she would not return ; however she entered a default judgment against me. I received another summons to appear in court - a continued return date on Friday, XX/XX/XXXX at XXXX. Zwicker another cost of XXXX in addition to the $ XXXX monthly installment agreement between Zwicker Debt Collection staff and me on XX/XX/XXXX. <P/>I am willing to repay the debt I owe. I hired XXXX XXXX XXXX to assist me so that I can avoid numerous calls from creditors at my home. It is a huge inconvenience to me to travel miles to court and miss a half day of work because the collection agency refuse to verify and perform due diligence on this account in which I plan to pay XXXX the entire past due balance. The collection practices appears to be unfair, deceptive, misleading and abusive. Can someone help me with this matter? <P/>I attached documentation that refects Zwicker 's deceptive abusive practices along with payments they debited from my bank account {$600.00} to-date. The statement in Zwicker 1 attachment is not true. I was in the courtroom 15 minutes prior to my appointed time. The Counsel did not call for me and proceeded to file a judgment against me.
Company Response: Closed with explanation
2017-06-23
Jacksonville, FL
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with non-monetary relief
2017-06-20
Hialeah, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-06-09
Indianapolis, IN
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: Zwicker & Associates violated FDCP A 1692e. Zwicker & Associates filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees. Zwicker and Associates failed to pay fee causing Arbitration to be terminated. In XXXX arbitration, I am the Claimant and Zwicker & Associates are the Respondent. XXXX , clearly states the Respondent did not pay. Per XXXX ' Policy, they review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays. See Attachment. XXXX Zwicker & Associate knowingly lied on filed claim which clearly violated the FDCPA 1692e
Company Response: Closed with explanation
2017-06-06
Glendale, CO
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: On XXXX XXXX , 2017 my employer 's payroll department notified me that my wages were to be garnished by court order. The law firm responsibl e, Zwicker and Associates, PA, did n ot notify me of the lawsuit and I did not receive any court summons. Furthermore, the action was not brought in a jurisdiction where I resided at the time, nor in the jurisdiction where I signed the contract sued upon. <P/> I attempted to resolve this debt and put a stop to the garnishment by furnishing payment to the firm. I called them and was told to send guaranteed funds to XXXX XXXX XXXX , XXXX , MA XXXX by overnight shipping. I did this, and tracked the shipment. XXXX indicates that it was signed for by one XXXX XXXX . In spite of the fact that they have received payment, they are continuing with their attempt to garnish my wages, and are actively ignoring all of my attempts to communicate with them.
Company Response: Closed with explanation
2017-06-02
Rancho California, CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Seized or attempted to seize your property
Company Response: Closed with explanation
2017-05-30
Fort Pierce, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Debt Collection complain : To whom it may concern : XX/XX/XXXX On XXXX XXXX , 2017 Zwicker and Assoc., XXXX XXXX XXXX XXXX ., XXXX XXXX , XXXX , Fl. XXXX illegally placed a garnishment on a checking account held by XXXX XXXX XXXX , XXXX XXXX XXXX Fl . in the names of XXXX XXXX and XXXX XXXX in the amount of $ XXXX .for a delinquent credit card account held by XXXX XXXX with XXXX XXXX as the sole debtor.
<P/>
The debt is acknowledged by XXXX XXXX . the undersigned, but, as Zwicker and Asoc. was unable to garnish my social security income, they chose to illegally attach my wife XXXX XXXX account for this amount.. I am a signator on this account, for safety purposes, but it has been totally and exclusively funded for some 15 years through payroll deposits from XXXX XXXX position as an XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX . Florida statute protects my wife 's account from garnishment by virtue of my non participation in the funding of this account. Additionally, I question by what means Zwicker obtained a court order as, had the court been advised of the facts, the petition to garnish would not have been granted, Additionally, I have received neither written notice nor any opportunity for a hearing in order to answer a proposed garnishment from Zwicker, either before or since this illegal seizure. I did receive a phone call approximately three weeks ago during which I stated that at XXXX years of age I was unable, at this time, to honor this indebtedness and thought, after approximately three plus years, XXXX would have charged offoff this credit card debt..
<P/>
On Thursday, XX/XX/XXXX , 2017, wh en I checked XXXX XXXX account and found a XXXX balance, I contacted XXXX XXXX of Zwicker, informed him of the illegality and received an unsympathetic, rude reply that he was not an attorney and payup was the only solution. Further, I advised him that I had not received written notice or an opportunity for a hearing, as was my right, and he indicated that this was not his problem.. I contacted XXXX XXXX XXXX and they informed me that legalities were not their pervue and had no choice but to honor the court order. XXXX , contracted with Zwicker directly to secure some repay. They did not sell the note. They expressed concern about Zwicker 's actions and are in the process of investigating this incident. The long holiday weekend has delayed their findings as of this writing As earlier stated, I am XXXX years of age, solely supported by social security. Zwicker 's actions were an obvious act of Elder Abuse. They capriciously and illegally garnished my wife 's account of {$1600.00} when my social security account was sacrosanct. They had to realize that this action would adversely effect our abilities to pay necessary monthly bills such as mortgage, electric, car insurance etc., as well as food and daily living expenses, yet they wontonly chose to take this illegal action, mislead the court by omitting full disclosure and cause my family undue duress and complicated financial peril. I personally am under constant care at the XXXX XXXX in XXXX XXXX XXXX , Fl. for XXXX XXXX and XXXX issues as well as normal old age problems. These capricious, cruel, purposeful and illegal actions by Zwicker, possibly without the consent of XXXX , have exascerbated my XXXX XXXX XXXX issues.. Elder abuse at its worst.
<P/>
I would humbly and respectfully entreat your agency, through its good offices, to order Zwicker/ XXXX to return XXXX garnished monies in the amount of {$1600.00}. and further sanctiom Zwicker and Associates for this illegal and cruel act. If XXXX knowingly allowed Zwicker 's action, then their involvement should be equally sanctioned.
<P/>
I thank you for this avenue of complaint and would hope that this advisement will prevent the Zwickers of the world from exacting their illegal measures on their helpless and uninformed victims, age notwithstanding.
<P/>
Thank you.
<P/><P/>
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ., Fl . XXXX XXXX XXXX XXXX cc : Zwicker XXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief
2017-05-30
Freeport, NY
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation
2017-05-25
NC
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from XXXX could not be collected by any other means. On XXXX XXXX I received a call from Zwicker & Assoc 80 Minute XXXX XXXX, XXXX MA XXXX trying to collect the XXXX debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.
Company Response: Closed with explanation
2017-05-23
Indianapolis, IN
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: XXXX violated their arbitration clause. XXXX put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by XXXX . O n XXXX XXXX XXXX , Zwicker & Asscociates PC on behalf of XXXX XXXX filed a claim in Small Claims Court against me for approximately {$3500.00}. Zwicker & Associates hired local attorneys XXXX and XXXX to r epresent XXXX XXXX . XXXX XXXX XXXX , I filed a Motion to compel Arbitration. XXXX XXXX XXXX , the Court Ruled. Ruling states, Arbitration filed with XXXX ( # XXXX ) ; Matter continued indefinitely in order for Arbitration process to complete. Documentation attached. XXXX XXXX , Counsel for XXXX files a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on XXXX XXXX XXXX .
On or about XXXX XXXX XXXX , I received a letter fro m XXXX and XXXX c/o XXXX stating their client may be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. '' XXXX XXXX XXXX , XXXX closed the case. Case terminated because XXXX failed to pay and participate in Arbitration. XXXX XXXX XXXX , a Motion for Joint Stipulation f or Substitution of Counsel was filed. XXXX and XXXX was no longer representing XXXX and Zwicker & Associates. Year Later , XXXX XXXX XXXX , Zwicker & Associates files a motion to return case to active docket. Zwicker & Associates KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT. Zwicker states, As of XXXX / XXXX / XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the XXXX XXXX ( XXXX ). THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM XXXX . The Plainti ff ( Respondent ) w ho is XXXX failed to pay case management fee. XXXX sent the counsel for XXXX several letters requesting payment but they failed to respond. XXXX XXXX XXXX , Court dismisses case without prejudice. Judge writes t he following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial. XXXX XXXX XXXX , Zwicker & Associates c/o XXXX files a motion to vacate dismissal to refile a new arbitration case since the first one can t be re-opened. Zwicker & Associates c/o XXXX failed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.
Company Response: Closed with explanation
2017-05-16
Plano, TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Company Response: Closed with explanation
2017-05-10
Alafaya, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-05-10
Warren, RI
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: XXXX /17 - This company has been calling my Mother 's home repeatedly. I have several different numbers for them : XXXX XXXX XXXX They are Zwicker and Associates www.zwickerpc.com XXXX XXXX XXXX XXXX XXXX MA XXXX I have sent letters to all companies I owed debt to explaining I do not live at my Mother 's. I am currently ill, filed for XXXX and have no job and no income. I have asked many times that they not call my Mother due to the fact she is recovering from XXXX XXXX XXXX and still undergoing treatment. These calls are harassing and I have no means in which to pay them right now so I can not resolve this until I have income.
Company Response: Closed with explanation
2017-04-17
IL
Taking/threatening an illegal action
Debt collection: Credit card
Attempted to/Collected exempt funds
Complaint: My name is XXXX involved in a debt suit with XXXX XXXX handled by Zwicker and Associates, PC. I do n't deny the debt exists as it was/is in my name. The charges that put it into it 's current state stemmed from my spouse while we, and are, separated and in the process of divorce. However, I have been able to work out arrangements with another creditor and my student loans without incident or going to court. There are debtor rights and I believe mine are being violated by Zwicker and Associates, PC.
On Thursday, XX/XX/XXXX, I received notice that I am due in court to disclose assets and income. As well, I will have the right to declare exemptions to that income. That is set for XX/XX/XXXX. Part of the notice says in bold caps, " THE JUDGEMENT DEBTOR HAS THE RIGHT TO ASSERT STATUTORY EXEMPTIONS AGAINST CERTAIN INCOME OR ASSETS OF THE JUDGEMENT DEBTOR WHICH MAY NOT BE USED TO SATISFY THE JUDGEMENT IN THE AMOUNT STATED ABOVE : '' On Friday, XX/XX/XXXX a garnishment and freeze was put on my bank account without having had the hearing that will occur on XX/XX/XXXX. I received no notification of this garnishment, and on top of that, there was a {$100.00} fee associated with it from my bank. My account now sits at {$0.00}.
I have been in the midst of separation and divorce for some time and have not lived with my spouse or XXXX for a year and a half. However, I still pay for their domicile, all their utilities, and maintenance support even though we are not officially divorced. She is on XXXX and has been since the XX/XX/XXXX 's due to having a XXXX. The money I use to pay for these things should be exempt as it will be seen as alimony and child support, but I have n't even had the chance to make that case.
I called Zwicker & Associates to explained this situation. They said I needed to forward them the bills I pay and why I think those funds are exempt. I did so because I need to regain access to my account as soon as possible to pay their current set of bills, as well as ensure that my next paycheck gets deposited so I can continue doing so ; as well, start to budget what I can afford to pay XXXX XXXX. I sent them a number of bills and accounts with varying pieces of personal information they should n't have the right to have just so I can regain access to the account I never should have lost. My separated spouse 's HIPAA rights are also in jeopardy as I 've had to disclose some of her health information so that the law firm understands the severity and implications of freezing the account without notice. Again, the hearing is XX/XX/XXXX.
How is it that my account can be frozen and garnished before I even have the hearing to establish what my assets and income are? I was not even notified that my account was in jeopardy. I only found out because I had my son for the day and I was trying to buy him lunch, only to have my debit card denied.
I do not and have not lived with my separated spouse or my XXXX and if she has to use any of her XXXX income to pay for these items, her health will be at risk as she wo n't have money to pay for her own medications and living accommodations, including travel for doctor visits. This is a major priority. I still have not heard about the status of my account after two phone calls and two e-mails. I can not wait until XX/XX/XXXX to have access to that account. I live paycheck to paycheck as it stands. I do n't even have access to get gas to go to work. This is worsening the problem of me being able to pay them at all. I am trying to be a responsible parent, ex-spouse, and debtor, but Zwicker and Associates is making the problem worse for myself, my XXXX and his mom, and ultimately, them. I have a XXXX in XXXX and had good credit up until this point. Please help me to find solutions to this dilemma and help end this dishonest practice
Company Response: Closed with non-monetary relief
2017-04-06
Jacksonville, FL
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: My wife and I planed to have a screened in room built in XX/XX/XXXX, a man came out to my home from a company XXXX and went through everything with us the cost was {$10000.00} we signed paperwork for a loan from XXXX, we never heard from the bank or XXXX. 30 days later we received in the mail a bank statement for the amount of {$5000.00} to be paid to XXXX We called XXXX but could get any answers to why we own money come to find out XXXX went out of business and somehow had gotten money from XXXX ( scam ) and the bank is trying to collect money from us we hired a lawyer to look in to the matter but its been so long ago we though the case was done and free of the bank until it showed up on my credit report judgment XX/XX/XXXX
Company Response: Closed with non-monetary relief
2017-04-04
Brooklyn, NY
Payoff process
Credit card:
Complaint: I would like to re-address this complain because the law firm Zwicker and associates has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the XXXX Court of the XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from zwicker and associates regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because zwicker and associates have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from XXXX. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact zwicker and associates to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact XXXX and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with Zwicker and associates in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.
Company Response: Closed with explanation
2017-03-28
Salton City, CA
Improper contact or sharing of info
Debt collection: I do not know
Contacted employer after asked not to
Complaint: zwicker and associates has been calling my employer leaving messages about me in voicemails. I have not received any collection letters from them. We are not allowed to receive personal phone calls here and they will not stop
Company Response: Closed with explanation
2017-03-23
Yelm, WA
Disclosure verification of debt
Debt collection: Credit card
Not given enough info to verify debt
Company Response: Closed with explanation
2017-03-01
Hoard, TX
Disclosure verification of debt
Debt collection: Credit card
Not given enough info to verify debt
Company Response: Closed with explanation
2017-02-24
Carol City, FL
Disclosure verification of debt
Debt collection: Credit card
Right to dispute notice not received
Company Response: Closed with explanation
2017-02-15
Macclenny, FL
Problems when you are unable to pay
Consumer Loan: Installment loan
Complaint: I have been making monthly payments since XXXX/XXXX/2015 to a debt collector for a debt I incurred on a Credit Card. I misunderstood that at the end of each year I had to contact them to arraign payments for the next year. I noticed that they were not drafting payments any longer and had not contacted me and I received in the mail a letter from a Attorney and a copy of a Case Inquiry the collector file in Court so I contacted the original Debtor ( XXXX ), they in turn referred me to the debt collector. I spoke with the collector and ask why they had not called me. They said they tried on many occasions and got no reply, The number they had on file was NOT my number and i ask where they got that number, their response was " I do n't know ''. Now because they have filed the Case Inquiry they are unwilling to resolve this in a reasonably manner. My only option from here is to file bankruptcy.
Company Response: Closed with non-monetary relief
2017-02-04
Burkburnett, TX
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt resulted from identity theft
Company Response: Closed with non-monetary relief
2017-02-01
Desert Hot Springs, CA
Communication tactics
Debt collection: Non-federal student loan
Called after sent written cease of comm
Company Response: Closed with explanation
2017-01-21
Lewisville, TX
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt was paid
Complaint: I received a citation/lawsuit threat from a company I have never heard of or dealt with named Zwicker & Associates. They have not contacted me before now but yet claim they are suing as XXXX XXXX. XXXX XXXX informed me that they charged off the debt in XXXX XXXX. My husband was speaking with a company known as XXXX and negotiated a settlement with them in XXXX XXXX for the debt they had purchased from XXXX. I 'm not sure why this other company says they are now DBA XXXX XXXX - or if they are even affiliated with XXXX XXXX. They sent a plain clothes man to my house after XXXX on XXXX/XXXX/XXXX. He looked through my window and waved at me which I found quite disturbing, considering that it 's just me, my elderly mom and kids left at home. I cracked the door and he said he had something for XXXX XXXX. I thought he was dropping off something for my ill XXXX year old mother ( named XXXX XXXX - who I am caring for ) but then I saw that it in fact had my name on it, and it was referencing collecting for XXXX - and not the $ XXXX settlement that my husband negotiated in XXXX with XXXX , but an amount exceeding {$20000.00}. I knew that XXXX ( my late husband who died suddenly last XXXX ) had negotiated with XXXX years earlier. A search through his office files shows notes and a check copy to XXXX - not this " Zwicker & Associates ''. I have not been contacted by XXXX or XXXX since he settled the debt in XXXX. I assume XXXX bought the charged off debt from XXXX in XXXX of XXXX. Did XXXX or XXXX " sell '' this account AGAIN to another debt collector?? If so, who has the $ XXXX of the original settlement from 2 years ago? Does this company know of my husband 's sudden death and now they are trying to threaten me into double paying it because my husband 's last name is n't on it? I am a new widow with XXXX young sons to raise, huge bills, IRS installment payments from my late husband 's now defunct business ( which died with him ). I can not afford to hire an attorney to fight a threat that has no explanation or details attached to it, or accountability on the part of XXXX or this " Zwicker & Associates ''. There are a ton of complaints and legal issues online all against Zwicker & Associates, so I do n't know if they are legitimate or a scam. What are my rights to protect my family? I do n't understand how companies can legally file a suit or judgement against a person without ever contacting them before, let alone having no proof of a claim. Can you please help me or direct me to someone who can?
Company Response: Closed with explanation
2017-01-13
Lake Grove, OR
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt is not mine
Company Response: Closed with explanation