Complaints

This profile includes complaints for Zwicker & Associates, P.C.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Zwicker & Associates, P.C.

  80 Minuteman Road Andover, MA 01810-1008

• 

  Zwicker & Associates, P.C.

  PO Box 9043 Andover, MA 01810-0943

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/12/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Zwicker & Associates, P.C. I do not have a contract with ******************************************* P.C, they did not provide me with the original contact as requested.

  Business Response

  Date: 03/22/2024

  March 22, 2024
  
  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** 01752
  
  BBB Complaint No.: 21421977
  
  Dear Sir or Madam:
  
  This letter serves as the response of Zwicker &Associates, P.C. to the above-referenced complaint submitted to the BBB by ****************************** (Complaint). Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. ************** is neither a customer nor client of this law firm. Rather, this law firm represents ************* (Discover) with respect to a credit card issued to ************** ending in 3343.
  
  Ms. ****** Complaint generally asserts that this firm is attempting to collect a debt that is not hers. It appears that this assertion is based on her mistaken belief that we are collecting a debt owed to us, which is not the case. This firm mailed ************** a validation notice on her account dated November 21, **************************** her Complaint which included notices regarding her right to dispute the debt and request verification. As we stated in our initial letter to **************, we are collecting a debt that she owes to Discover, who is our client. This law firm does not engage in debt purchasing and we have no ownership interest in Ms.****** obligation, nor have we ever suggested otherwise to her.
  
  Although Ms. ****** Complaint asserts that this office did not provide her with the original contact as requested, our records reflect that the Complaint is the first communication we have received from her. As noted above, this firm mailed ************** a validation notice on her account dated November 21, 2023. Although that letter was presumptively delivered to her, our records do not show that this firm received a response or dispute. The Complaint is our first notice of any dispute or desire for verification. Although the time to request validation has passed under applicable law, this firm will mail to ************** validation of the account we are collecting on behalf of her creditor as a courtesy.
  
  Lastly, Ms. ****** Complaint to the Bureau also requests removal of this debt from her consumer report, however, this law firm does not furnish information to consumer reporting agencies and we have not furnished any information regarding Ms. ****** debt to any consumer reporting agency. Therefore, any requests related to the removal of information which she states appears on her consumer report are not properly directed to this law firm.
  
  I hope that this response adequately addresses any concerns that the BBB or ************** may have regarding the matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.

• Initial Complaint

  Date:03/12/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Greetings,I recently reached out to PNC about a fraudulent account on my file. They informed me that I had to reach out to you all because you all have purchased the debt at this point. This account is fraudulent and should be treated as such. Furthermore, in the email- it stated how you all are a debt collector attempting to collect a debt. Per the law, it is a violation to state that you are a debt collector. I am also requesting that you all submit your errors and omissions policy number proving that you are in fact a debt collector, and the original contract proving the agreement is sufficient. A statement or account summary is not acceptable per the law. I am also requesting the chain of title between you and PNC proving that you are in fact a debt collector. If you cannot provide the following documentation, delete the account listed below. Account Number: ************ Last 4 digit SSN: 7398

  Business Response

  Date: 03/21/2024

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********,** *****
  
  BBB Complaint No.: 21421247
  
  Dear Sir or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by **************************************.Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. ********************************* is neither a customer nor client of this law firm. Rather, we formerly represented PNC ***** ******************** as its attorneys in connection with a credit card issued in her name ending in 4210. Although her account is no longer being handled by this law firm, we will nonetheless substantively respond to ************************* claims to clarify the facts.
  
  As an initial matter, we wish to note that this law firm does not engage in debt purchasing and we have no ownership interest in **************-Donaldsons obligation. Additionally,although ********************************* requests that this law firm delete the account from her credit report, this firm does not furnish information to consumer reporting agencies and has not furnished any information concerning the above-referenced account. As such, we are unable to provide her any relief with respect to the content of her consumer report. This law firm has not violated the law in our attempts to recover the obligation owed to our client. This complaint is the first notice this firm received of ************************* claim that she has been the victim of fraud. In fact, our records show that despite mailing her a validation notice as our sole written communication to her, in which we accurately disclosed our status as a debt collector in compliance with applicable law, we had not received any contact from ********************************* prior to receiving the instant complaint concerning this matter or otherwise disputing the debt. Upon receiving notice of her dispute, we immediately notified our client, who requested that this firm return the file to them in light of her claims, which we have done.
  
  I hope that this letter resolves any outstanding concerns the Bureau may have with respect to the complaint.
  
  Very Truly Yours,
  
  ZWICKER &ASSOCIATES, P.C.

• Initial Complaint

  Date:03/04/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This collection company offered me a 70 percent settlement on my $21,000 debt in my online account with them . I have already paid the 70 percent and they are still asking for more money. This is an absurd and highly unethical practice and it needs to stop.

  Business Response

  Date: 03/13/2024

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********,** *****
  
  BBB Complaint No.: 21385748
  
  Dear Sir or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by *******************************. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. ****************** is neither a customer nor client of this law firm. Rather, we represent ******* ***** Bank *** with respect to a judgment debt that arises from a personal loan issued to ****************** ending in 8945.
  
  We respectfully disagree that this firm has acted improperly in connection with our handling of Mr. ******** account and we respond for the purpose of clarifying the facts. Mr. ******** account is not settled. Our records reflect that ***************** established an agreement with our firm in July of 2021 which called for ****************** to remit a series of thirty-six monthly installment payments through June 2024 to satisfy the obligation due to our client in full. That agreement was memorialized in a Consent Judgment signed by ****************** and filed with the court and expressly outlined the terms of repayment agreed to by the parties.  ****************** failed to pay as agreed and defaulted on the agreement.
  
  Our records do show that ****************** has accessed our payment website in the past for the purpose of making additional payments against his debt. He has not, however,accepted any settlement offers through our website nor were the offers we did present improperly calculated or misleading. Those amounts were calculated based on the remaining unpaid balance due and any payments that ****************** has made have been properly credited to his account balance. ****************** is welcome to contact our office to discuss repayment options that *** be available and our agents would be happy to speak with him.  
  
  I hope that this letter resolves any outstanding concerns ****************** or the Bureau *** have with respect to the complaint.
  
  Very Truly Yours,
  
  ZWICKER &ASSOCIATES, P.C.

• Initial Complaint

  Date:02/12/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was served with a summons to appear in court, which I did and was ordered to make a monthly payment of ******, I made my first payment on Jan 5th, according to them it was due on Dec 28th. In court I wasnt given anything other than the words of the judge. They ten levied my bank account, which has no money in itI called them and they said the payment didnt get to them until feb5th, something I have zero control over as I was advised by the judge to make payments to the court, as they could keep tract of them. Upon calling them, they were beyond RUDE! Zero compassion for people that have fallen behind, I went to court, made arrangements and this form had NO record of it, even though they had someone appear in court on their behalf. All I was looking to do was get back on the payment arrangement that was ordered by the judge, but these women in the ** office could Have cared less and treated me like trashI am human, as I ?? agree I owe the money I will not sit back and allow this posse to treat people the way they do. They also told me a bank levy is a one time thing, which is a LIE! Trying to get me to deposit money in the future for them to take. I have a household to run and kids to feed and I wont put a dime in the bank for them to take! I was trying to come up with a resolution but again the girls in your ********* ** office are RUDE and UNPROFESSIONAL! The owner should train this wild when to be kindnot rude as if they are better than the rest! They will not honor the ****** the judge granted, I have nothing for them to takeits really unfortunate that they can treat people this way!

  Business Response

  Date: 02/21/2024

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** 01752 
  
  BBB Complaint No.: 21284294
  
  Dear Sir or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by ***********************. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. ************** is neither a customer nor client of this law firm. Rather, this law firm represents ****************************** with respect to a judgment debt arising from two credit card accounts issued in ************** name ending in ***** and 61005.
  
  In her complaint, ************** states that this law firm has garnished her bank account despite an agreement with our office to repay her debts in monthly installments. Our records confirm that ************** entered into a payment agreement to resolve her obligations to our client in monthly payments beginning December 28, 2023 which was memorialized as an Agreed Judgment entered in favor of our client.  Although the agreement she established called for payments to be made on the 28th of each month, our records show that we did not receive ************** initial payment for the month of December. Because our records reflected that ************** failed to pay as agreed, this firm consequently took steps permitted by applicable law to recover the outstanding judgment balance by execution. As noted in her complaint narrative, ************** did not tender payment to this firm directly nor did she notify us that she paid the court and therefore we were not aware that ************** had tendered a payment prior initiation of the garnishment. 
  
  ************** initial payment tendered to the court in connection with the judgment against her, which she acknowledges was not made until January 5, was not received by this firm until February 5. This firm did not receive any funds as a result of the garnishment of ************** account and we have not received any additional payments from the court with regard to the repayment agreement.  Although we respectfully disagree with ************** assertion that this firm has engaged in any improper activity in connection with our attempts to collect the judgment debt, we have since filed papers with the court to dissolve the garnishment against her bank account and have updated our records with ************** installment agreement in anticipation of receiving her payments through the court system. Should ************** wish to submit her payments directly to this office, she is welcome do so.
  
  To the extent that ************** may have additional questions regarding her accounts, she may contact *********************************, who is a managing attorney in our ********* office familiar with this matter.  Attorney Moghadom may be reached at *************************. 
  
  I hope that this letter resolves any outstanding concerns ************** or the Bureau may have with respect to her complaint.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  

• Initial Complaint

  Date:01/25/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not sure what this law office wants....but I see after googling them that they are a collection agency. They keep calling and not telling me who they are collecting for and for what alleged amount if any. I want the calls to stop immediately and if I see that they have accessed my credit report I want whoever they are collecting for removed. Today. I will not be harassed.

  Business Response

  Date: 02/02/2024

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** 01752
  
  BBB Complaint No.: 21199104
  
  Dear Sir or Madam:
  
  *************** on behalf of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by ****************. Ms. *** is neither a customer nor client of this law firm, however, we have reviewed her allegations and have taken steps to address her concerns as set forth below.
  
  This law firm is not attempting to collect any payment from Ms. *** and our records reflect our personnel have not interacted with her in the harassing or unprofessional manner she describes in her complaint. Upon receipt of Ms. **** complaint, we searched our records for instances in which the telephone number she supplied with this complaint (ending in ****) was dialed. Our records show that this firm called that number on a single occasion. Ms. **** complaint is the first notice that we received from her indicating that our firm placed a telephone call to her in error. We have taken steps to block the telephone number she provided from being dialed by our personnel, to ensure that she does not receive any further calls from our firm. We have not placed any further calls to the number. Further, Ms. *** is not the person we were attempting to reach and we have not accessed her credit report.
  
  I hope that this response adequately addresses any concerns that the Bureau or Ms. *** may have regarding the matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  
  

  Customer Answer

  Date: 02/09/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ****************

• Initial Complaint

  Date:01/24/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have no relation or past history with this company. I've googled their firm and found out they're a "collection firm". I have no debt whatsoever, but they continue to call me during work hours, leaving messages, and harassing me over the phone when I do answer. I'm not even the person they're looking for. I've told them many, many times to remove me from their "call-list" as I'm not the person they're looking for but I continue to get calls from them. The most recent call was from "*****************************" who verbally harassed me when I politely told her "wrong number, wrong person" and asked to be removed from their call list.

  Business Response

  Date: 02/01/2024

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** 01752 
  
  BBB Complaint No.: 21192631
  
  Dear Sir or Madam:
  
  *************** on behalf of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by Minwoo ****. ************ is neither a customer nor client of this law firm, however, we have reviewed his allegations and have taken steps to address his concerns as set forth below. 
   
  ************ provides a telephone number of ************ and complains that he has received telephone calls from our firm in error.  This law firm is not attempting to collect any payment from Mr. **** and our records reflect our personnel has not interacted with him in the harassing or unprofessional manner he describes in his complaint. At no time has this law firm indicated to ************ that he was associated with any list as suggested in his complaint and as we noted when we spoke to ************ on January 24, which was the first notice that we received from ************ indicating that firm had placed calls to the above-referenced telephone number in error, he was not the person we were attempting to reach. Following that conversation, we promptly acted to ensure that he does not receive any further calls by blocking the telephone number he provides with this complaint from being dialed by our personnel and we have not placed any further calls to the number. 
  
  I hope that this response adequately addresses any concerns that the Bureau may have regarding the matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  

• Initial Complaint

  Date:01/17/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got a Message from someone called *********************** Phone ************ on December 12, 2023, about a debt I had with Kabbage (debt that is over 7 years old, when the limitation in ******* is 5 years). I told her that I wasn't able to pay since the business that got the debt closed and I am not able to pay them. Also I am living in another country so communicating with them about those old debts were impossible. Yesterday, I found out they got $63.87 out an old bank account I have on ***** Fargo, that says Legal Order Debit Contact Zwicker and Associates PC ************ Case #*******. I don't understand how is that even possible that they get into you account and get out your money (even if they are only $63.88)? without any litigation or order from a judge. Specially when I was never even served or notified: so they do that without any order from a judge. And they could not even *** me from a debt that is so old. This people are really violating users rights: and I'm not contacting them directly because they are people that treat you aggressively (that ****** did), rude and I don't need it. Do I have to close that account? How is is possible that they can do that? Who protect them and allow them to invade people's lives that way. How is it possible that a legal firm use those sick and illegal tricks? I need answers through someone else. I don't want to deal directly with that ****** or anyone from this firm.

  Business Response

  Date: 01/26/2024

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** 01752 
  
  BBB Complaint No.: 21157184
  
  Dear Sir or Madam:
  
  This letter serves as a response from Zwicker & Associates, P.C. to the complaint submitted to the BBB by ***********************. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. ************** is not a customer or client of ********************** & ******************, P.C., rather, this law firm represents ****************************** as its attorneys with respect to a judgment debt arising from a Business Gold Rewards corporate credit card account ending in ***** which was issued to jointly to ************** and Roccan Corp. 
  
  As an initial matter, our records indicate that this firm has already filed papers with the court to dissolve the garnishment against ************** bank account. Accordingly, we believe her complaint may be resolved. Nonetheless, we respond substantively to clarify the facts and address ************** concerns. 
  
  Although ************** suggests that this firm is attempting to collect a time-barred debt, we respectfully disagree.  Our records reflect that this firm filed a lawsuit on behalf of our client well within the applicable statute of limitations that resulted in the entry of summary judgment against ************** in January of 2020.  ************** was personally served with notice of the lawsuit; appeared in the action through counsel; and filed an answer and affirmative defenses with the court.  The judgment remains unsatisfied and valid and the time to enforce that judgment has not expired under applicable law. A garnishment was initiated because ************** had not made arrangements to pay the judgment balance or contacted us for nearly four years since the entry of judgment against her. The garnishment was conducted in conformance with applicable law and local rules and was directed at assets in ************** name which were not protected by law or otherwise exempt and could be applied to satisfy the judgment. 
  
  Shortly after we received notice that this complaint was filed with the Bureau, we received an answer from ************** banking institution and filed a dismissal of the garnishment instructing ************** bank to release any funds held against her bank account back to her as a courtesy. 
  
  Contrary to the assertions in her complaint, our records do not reflect that this firms personnel have ever placed any phone calls or spoken to ************** directly given her prior representation status. We understand that she is no longer represented in connection with the debt by her prior counsel. Because ************** has indicated in the complaint that she does not wish to receive communications from this firm, we will maintain an instruction on her account that will inhibit outbound telephone calls and letters to the extent required by applicable law.  We would, however, welcome the opportunity to discuss resolution of the judgment debt with ************** and we encourage her to contact us for that purpose. 
  
  Additionally, ************** asserts in her complaint that she is located outside of the country, however has also indicated in another complaint filed contemporaneously with the ************************************ that she resides in *******. If her contact information has in fact changed, we ask that she provide this office with that information so that we can update our files appropriately.
  
  We hope this helps to resolve any remaining questions that ************** or the Bureau may have concerning this matter. 
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  
  

  Customer Answer

  Date: 01/29/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  *******************

• Initial Complaint

  Date:01/13/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was sent a letter from the county clerk at the beginning of last year that a lawsuit was filed against ** for a discover account that was past due. After contacting zwicker they provided a settlement of $4336.70 with arrangements that we pay a down payment and carry out a monthly payment of $149 until the settlement was paid which we have been doing. We have not missed a single payment since, and received a letter a few months after stating the court filing was being dismissed. Fast forward almost 10 months later we have paid $1836 continuing our monthly payments and we just received a letter for the county clerk that the owners of this debt account are asking for the judgement of $5712.69 and even stating we have paid $1836, but they are saying we havent kept the stipulations of the agreement. We have not missed a single payment. This company is crooked. They make agreements and dont hold up their end.

  Business Response

  Date: 01/23/2024

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** 01752 
  
  BBB Complaint No.: 21140990
  
  Dear Sir or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by *******************************. A review of our records reveals that ******************** is not a consumer or obligor on the debt, but has submitted this complaint to the Bureau in connection with a matter relating to his spouse, ******************************  Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. The ******** are neither customers nor clients of this law firm. Rather, this law firm represents ************* with respect to a credit card issued to ******************** ending in 9673.
  
  As an initial matter, this firm has not directed any prior correspondence to ********************, nor have we filed a lawsuit against him. Upon receipt of the allegations set forth in this complaint, this firm conducted a review of our records which confirmed that ******************** negotiated an agreement with our firm on behalf of his spouse in April of 2023 that would satisfy her obligation to our client in full if she paid as agreed. Part of that agreement included dismissal of the lawsuit against ******************** spouse. Our records further reflect that ******************** scheduled her December 2023 payment in accordance with that agreement, however, due to an internal error, that payment was not processed. Our records reflect that following receipt of this complaint, a payment was subsequently authorized on ******************** behalf which was successfully processed to her account.  
  
  ******************** account is now up to date and we will reinstate ******************** settlement agreement in our files.  The lawsuit remains dismissed and we have not sought further intervention from the court. Accordingly, we believe the concerns expressed in the complaint have been resolved. Should ******************** or his spouse have any further questions, they may contact *****************, who is the managing attorney in our ******* office familiar with this matter.  Attorney **** may be reached at ***********************.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  
  

• Initial Complaint

  Date:11/28/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This collection agency does not follow standard practices. As you can see by the many complaints from other consumers. They don't want you to pay your bill, in fact, they ask the impossible of the consumer. Send a money order, Thank you but that is an additional cost, certified check are you kidding me. I think that all consumers who have filed a complaint should contact a Civil Law Attorney (which I have). I can't wait to go in front of the judge in March and let him see the responses from this agency. I have documented everything. If the Fair Collection Debt Practice does not address this agency, I will not stop until I get to the top. They continually lie about the customer service as well. I have read former complaints and THEY ARE LYING when they reply that the phone reps are ******************* and nice. This agency must stop. Please, other consumers let's do this, CIVIL ACTION TIME

  Business Response

  Date: 12/05/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  
  BBB Complaint No.: 20926446
  
  Dear Sir or Madam:
  
  This letter serves as the response of Zwicker &Associates, P.C. to the above-referenced complaint submitted to the BBB by **********************************.  Zwicker & Associates,P.C. is a law firm that represents its clients for the purpose of debt collection. ******************** is neither a customer nor client of this law firm.Rather, we represent ************* with respect to a credit card issued to ******************* ending in ****.  
  
  Ms. ********* complaint concerns her repayment history in connection with the above-referenced matter.Our records show that five of Ms. ********* prior payments drawn on her personal account have been dishonored by our bank after we attempted to negotiate them, including two consecutive payments tendered recently. As a result, our personnel did request that future payments be tendered in the form of money order or certified check. Despite this, our records show that we spoke to ******************** shortly before she filed this complaint and agreed to resume accepting personal checks from her as a courtesy. Our records show that we have since processed personal check payments that ******************** has mailed to us. Accordingly,we believe that Ms. ********* concerns have been resolved.
  
  I hope this letter resolves any outstanding concerns that the Bureau may have concerning this matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  

• Initial Complaint

  Date:11/22/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a credit card account with Discover. Due to health reasons and the covid epidemic, my income was reduced and I was unable to keep up with payments. I received notification that my account was referred to Zwicker and Associates. I set up arrangements online to make $50 payments each month for 6 months because that is the time limit I was allowed. I began caring for a terminal family member and did not reach out to extend the payments, but I was also not contacted by Zwicker. I called in July to make further arrangements and was advised of a settlement offer but I was unable to afford the upfront payment requested. I was advised that civil action had begun, but I never received anything further. I again went online and set up arrangements to pay $100 per month. I am now unable to access my account online with the firm, but the payment is taken from my checking account each month. I want any civil action stopped and a settlement reached that I can afford. I want this in writing.

  Business Response

  Date: 11/30/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********,** *****
  
  BBB Complaint No.: 20904896
  
  Dear Sir or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by *********************************. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. ******************** is neither a customer nor client of this law firm. Rather, this law firm represents ************* with respect to a credit card issued to ******************** ending in 4902.
  
  ********************** complaint requests that the lawsuit against her be dismissed and that our client agree to settle her debt. ******************** also complains of difficulty accessing her account through our website.  As an initial matter, we would welcome the opportunity to resume settlement discussions with ******************** and we encourage her to contact us for that purpose.
  
  Our records confirm that ******************** has made two temporary payment arrangements through this firms website since December of 2022, the most recent of which was made on July 7, 2023.  As stated in her narrative,shortly after mailing our initial communication to her in November of 2022, ******************* established a temporary payment agreement through this firms website in which she authorized an initial series of temporary payments. Because no further payment arrangements had been established with respect to this debt after the initial temporary agreement expired, and we had not been contacted by ******************** to make such arrangements as she acknowledges in her complaint, this firm took further action to recover the amount owed by filing a lawsuit on behalf of our client.
  
  The filing of the lawsuit against ******************** was not improper and the lawsuit was initiated in conformance with applicable law and procedural rules. Despite efforts by this firm to reach *******************, we were unable to communicate with her to resolve the lapse in payments prior to initiating the lawsuit against her and our records do not show that ******************** had ever previously provided us with any information about her personal hardship or ability to resolve the debt. In fact, we had not received any information from her regarding her financial position until directly after the lawsuit was filed, when ******************** contacted this firm by telephone to discuss a possible payment agreement with regard to her account.  
  
  Although our personnel discussed settlement options with ********************, she indicated she was not in a position to take advantage of those settlement options at the moment. Though ******************** indicated that she intended to contact us again with respect to the settlement offers we had extended, she did not do so. Rather she utilized our website to pre-authorize six additional payments of $100.00 on her account to be debited from her bank account through December 18, 2023. The payment functionality of our website only permits a single series of payments to be authorized at one time, which is the reason ******************** is unable to access her account through our website.******************** of course can call or write to us if she wishes to discuss her account.
  
  There is no basis to discontinue the legal action against ******************** at this time, however, we understand that she wishes resolve the matter through mutual agreement. ******************** is welcome to contact this firm if she wishes to resume discussion of a formal repayment agreement. ******************** is also of course free to send us additional information regarding her financial situation and we will review that information with our client to determine whether we may be able to extend other repayment offers which she may be able to accommodate.
  
  I hope that this letter resolves any outstanding concerns ******************** or the Bureau may have with respect to her complaint.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  
  

  Customer Answer

  Date: 11/30/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  I am not satisfied with the response as I feel that reasonable attempts to reach me after the first payment arrangements expired. I was taking care of my dementia ridden mother in law who passed on May 29, 2023. I was one of the primary caregivers for her and can provide documentation of her obituary. I can have my physician to provide documentation of my health issues and that I cared for my mother in law. I am not wanting to get out of said debt without paying at least a settled part. I just want any legal actions dismissed and a settlement reached that I can afford since I have made attempts to pay toward the debt. Due to my own health and the passing of my mother in law, I was unaware the arrangements had expired. I feel as though the business is not willing to acknowledge that I have attempted to pay for almost a year now through arrangements and automatically jumped into legal action even after attempts have been made by me to pay what I can afford. 
  
  FAQ
  
  Regards,

  ******

   

   

  Business Response

  Date: 12/07/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********,** *****
  
  BBB Complaint No.: 20904896
  
  Dear Sir or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the rebuttal complaint submitted to the BBB by *********************************. We note that this firm substantively responded to the original complaint filed by ******************** on November 30, 2023.  Zwicker &Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. ******************** is not a customer or client of ********************** &******************, P.C., rather, this law firm represents ************* as its attorneys with respect to a credit card account issued to ******************** ending in ****. Although this firm has substantively responded to the original complaint, we nonetheless respond to ********************** rebuttal complaint to clarify the facts and further address her concerns.
  
  Although ******************** suggests that this firm has not acknowledged her attempts to repay her obligation and has refused to work with her toward resolving her debt, in our initial response we both acknowledged that she had tendered payments toward a portion of her debt and explained that our personnel extended several settlement options to her once she contacted us after the lawsuit had been filed.
  
  As we have explained to her previously, the lawsuit was filed because she did not commit to any formalized repayment arrangement or otherwise apprise us of her financial situation or intent to resolve the debt. Only after the lawsuit was filed did we have the opportunity to discuss those matters with ********************,although as we explained, she indicated she was not able to accept any of the offers we extended.
  
  Although there is no basis to discontinue the lawsuit at this time, we would welcome the opportunity to resume settlement discussions with ******************** and we encourage her to contact us for that purpose.  To the extent that ******************** may have additional questions regarding her account, or would like to provide information about her personal hardship which our client may consider when evaluating any potential repayment offers on her account, she may contact *********************************, who is a managing attorney in our ********* office familiar with this matter. Attorney Moghadom may be reached at *************************.
  
  I hope that this letter resolves any outstanding concerns the Bureau may have regarding this matter.
  
  Very Truly Yours,
  
  ZWICKER &ASSOCIATES, P.C.