Well, well, well....received a call from Zwicker & Assoc.

[DownNotOut]

Got a voicemail on Saturday from this bunch. I don't know who it's for yet as I haven't talked to them. I'm going to wait for a letter and then DV. I don't know when I'll be filing yet, more than likely next spring. We've just got soooooo much going on right now. I know these are bottom feeders - anyone else have experience with them recently? I found a couple of threads from last year.

[calgirl67]

Oh yeah we have had experience with them. They lay on the whole "we are a LAW FIRM" bit... designed to sound like they are going to sue you in a minute if you don't pay.

Call them back, confirm their mailing address and tell them you will be sending a DV letter including a request for no further contact by telephone at work, home or any manner whatsoever, in writing only.

You will probably never hear from them again. If they can't harass you they generally can't collect ie: won't waste any more time on you.

Don't worry if they threaten you. Just hang up.

Here's their mailing address:

Zwicker & Associates, P.C.
80 Minuteman Road
Andover MA 01810-1008

REMEMBER TO SEND IT CERTIFIED MAIL

[Snickers]

They do a lot of work for Amex. Google them...nasty and a reputation for suing, but they lie an awful lot. Amex sent our account to them once but we called and got it pulled back (they have an office about 50 miles from us so it would have been toooo easy for them to sue us).

[DownNotOut]

I don't have an Amex account. I'm thinking it's for HSBC. They have yet to send me a letter and I will NOT answer their calls. I'm too emotional right now as I am 36 weeks pregnant. I'm afraid they may be able to get to me and make me say something I'll regret. I wish they'd just send me a letter so I can DV them.

[albacore44]

Funny you should start this topic. I just checked my home voicemail call log, saw a # i did not recgonize, so i googled it. sure enough, it's Zwicker. not sure what card, i'll run my voicemail tonight, but they left a 45 second message

[DownNotOut]

Funny you should start this topic. I just checked my home voicemail call log, saw a # i did not recgonize, so i googled it. sure enough, it's Zwicker. not sure what card, i'll run my voicemail tonight, but they left a 45 second message

Yeah, it's a stupid message. They won't say anything but "This is a message for XXXXXXX. If this is not XXXXXXX you have three seconds to hang up. Blah, blah, blah and to call them regarding an important business matter"

I just checked the docket for my district and they have 3 lawsuits in my state - 1 in my city. I googled them and they also have an office right in my city - this doesn't look good. But, if they decide to sue, I have nothing that wouldn't be exempt anyway.

[albacore44]

Yeah, it's a stupid message. They won't say anything but "This is a message for XXXXXXX. If this is not XXXXXXX you have three seconds to hang up. Blah, blah, blah and to call them regarding an important business matter"

I just checked the docket for my district and they have 3 lawsuits in my state - 1 in my city. I googled them and they also have an office right in my city - this doesn't look good. But, if they decide to sue, I have nothing that wouldn't be exempt anyway.

yeah, i just checked my court docket, the only thing I found was someone sueing them.

[DownNotOut]

yeah, i just checked my court docket, the only thing I found was someone sueing them.

Ha, ha! When I read this, I went back to the site and checked and it is THEM who is being sued! I just glanced over it before. They are the defendant in a FDCPA suit. The other two cases in my state are the same - they are the defendant. This might not be so bad after all!

[albacore44]

Ha, ha! When I read this, I went back to the site and checked and it is THEM who is being sued! I just glanced over it before. They are the defendant in a FDCPA suit. The other two cases in my state are the same - they are the defendant. This might not be so bad after all!

I have a theory about this though. I have checked several law firms/C'a's with the same result. I think they file the suit under the name of the original creditor, so it makes it difficult to tell how many of these firms are actually filing.

[albacore44]

Ohh these Azzhats are ruthless. They just called my home phone, mother-in-laws, and my Cell # within a span of 5 minutes, starting at 6:30 am. just send me your first contact letter dammitt so i can DV.

[DownNotOut]

Ohh these Azzhats are ruthless. They just called my home phone, mother-in-laws, and my Cell # within a span of 5 minutes, starting at 6:30 am. just send me your first contact letter dammitt so i can DV.

Nice. I'm still waiting for a letter so I can DV them. They call twice a day, but don't always leave a message. All my cards but one are with a CA now. Let the "fun" begin!

[albacore44]

Nice. I'm still waiting for a letter so I can DV them. They call twice a day, but don't always leave a message. All my cards but one are with a CA now. Let the "fun" begin!

Yeah, mine too, about 20 of them. I started a spreadsheet to keep track of who has what

[albacore44]

They called today a 5:07 am...........sheesh.

[calgirl67]

I thought they had to wait until 8am....

I swear, there outta be more laws protecting consumers against these sharks. I cannot believe they get away with what they do.

Could you imagine doing that for a living? Could not imagine you would go home every day feeling good about your day.

[liz417]

Yeah, I had them for one of my cc accounts too (I think it was my AMEX acct). Anyway, they are relentless, they will call, threaten and bug the heck out of you!! I never picked up the phone, but I would listen their messages One message at the begining did have me a little scared (male voice)...it went something like this: "Okay, Ms. Liz417, the GAME IS UP, YOU NEED TO CALL ME @ xxxxxx by 8pm tonight, I will be waiting for your call...if you decide NOT to return my call, I will have no other choice but to file the paperwork I have in front of me with the courthouse on Feb. 2nd (which was that Monday). We are done with your games and want to speak with you personally!"
I ignored the call....went another year without paying...nothing happened