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:06/27/2023

  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 contact today June 26th this company because a debt with Discover Card. I'm in ****** now because my mom had a stroke. I never received any form of contact from Discover about my debt before and today after my phone call they gave me this office phone number.I called and tried to do a payment arrangment but the company refuses to accept my payment.I need to pay.I dont need to go to court to pay something i'm interested to pay without any problem.I talked with lawyer ***** and felt disrespect was a consumer.I didnt fell any interest from this company to receive my payment.

  Business Response

  Date: 07/05/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  

  BBB Complaint No.: 20241592
  
  Dear Sir or Madam:
  
  Through this letter,Zwicker & Associates, P.C. is responding 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 credit card account issued to ********************** ending in 4907. 
  
  Although ********************** suggests that this firm did not send her any communications regarding her debt, our records show that we mailed her an initial letter providing information about the debt and notice of her rights under applicable law. That letter was not returned by the postal service. Our personnel have not refused to discuss the matter with ********************** or treated her with disrespect or in any improper manner. To the contrary, our records show that our personnel engaged in courteous and professional dialogue regarding the repayment options available. Our records reflect that ********************* has established a payment arrangement on her obligation and as a result we believe her complaint is resolved.
  
  Should ********************** have any questions about this matter, she may contact *************************, who is a managing attorney in our ******* office familiar with this matter.  Attorney ******* may be reached at ************************.
  
  We hope this response helps to resolve any concerns the Bureau or ********************** may have regarding this matter.
  
  Very Truly Yours,
  ZWICKER & ASSOCIATES,P.C.  

  Customer Answer

  Date: 07/06/2023

  I contacted  this office a several times and the agents didnt give me any options to pay.

  I suggested how much i can pay per month and did a payment arrangment.

  I received in the mail the receipt of the first payment and nothing else.

  i didnt received any contract to sign and return.

  I dont have any document about my payment arrangment and they refuses to sent or receives any email about it.

  I called again. I did one more payment and still waiting for the documents by mail they promissed to send me to sign and return.

  Regards,

  *** *****

   

   

  Business Response

  Date: 07/12/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  

  BBB Complaint No.: 20241592
  
  Dear Sir or Madam:
  
  *************** on behalf of Zwicker & Associates, P.C. to the rebuttal complaint submitted to the BBB by ***********************************. We note that this firm has substantively responded to the original complaint filed by ********************** on June 27, 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 ****.
  
  As noted in our substantive response to ********************** initial complaint, our records reflect that she had reached a repayment agreement with this firm that would satisfy her obligation to our client in full if paid as agreed. As part of that agreement, ********************* was informed that she would receive certain documents that she would be asked to review and sign to conclude the litigation against her. Our records confirm that this firm has sent to ********************** by mail the Stipulation setting forth the terms of the payment agreement to the mailing address that ********************* confirmed with our office. Our records further reflect that this firm initiated an ACH debit for ********************* June installment payment on June 30, 2023, consistent with her prior instructions, however we were later notified by our bank that the payment was returned for non-sufficient funds.
  
  ********************** did contact this office subsequent to the filing of her initial complaint, but prior to notice of the returned payment, to schedule further payments on her account, however, aside from the filing of her rebuttal complaint we have not received any further communication from her.  To the extent that ********************** may have additional questions regarding the status of her account, we encourage her to utilize the contact information provided in our prior response to facilitate further discussion regarding her debt.  
  
  We hope this response helps to resolve any concerns the Bureau may have regarding this matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES,P.C.  

• Initial Complaint

  Date:06/16/2023

  Type:Billing 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 had received a settlement offer letter for an old ************* debt, handled by ******************************************* stating that I had until May 31st 2023 to make arrangements. Around this same time I started receiving advertisements from lawyers offering to defend me, and eventually I was served. I called ******************************************* and set up a payment plan for their settlement agreement, received a Rule 11 settlement from their local offices which I signed and returned in a timely manner. They withdrew their first payment May 15th, but have not processed their June 15th payment or communicated with me in any way since. Today I received a judgement from the court for the full balance AND attorneys fees (minus my May 15th payment)! They just attached my signature from the Rule 11 agreement to this stating I agreed to it! This is reprehensible, and has to be illegal. Based on what I received today, they didn't even file the settlement agreement and likely never intended to.

  Business Response

  Date: 06/22/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  
  BBB Complaint No.: 20194435
  
  Dear Sir or Madam:
  
  *************** on behalf of 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 ********************** & **********************., rather, this law firm represents ************* as its attorneys with respect to a judgment debt arising from credit card account issued to ************** ending in 2901. 
  
  This law firm initiated a lawsuit against ************** on behalf of our client in March of 2023. After the lawsuit was initiated, this firm sent an offer to resolve the debt for less than the full amount owed to **************,dated April 12, 2023, which he references in this complaint. Our records show that ************** contacted ** to accept the offered settlement arrangement and that he preauthorized payments that would satisfy the payment schedule that was part of the settlement agreement. ************** authorized those debits to automatically be initiated on the 15th of each month. ************** was also informed that as part of the arrangement he would receive certain documents that he would be asked to sign to conclude the litigation against him. This firm sent ************** an Agreed Judgment providing for the entry of judgment for the amount sought in the lawsuit and a Rule 11 Settlement Agreement separately setting forth the terms of the settlement and compromise on the full amount due. ************** signed and returned both documents and this firm filed both documents with the court on June 6, 2023.
  
  This firm did not alter **************** signature or misrepresent the purpose of the documents in any way. We have not charged ************** with attorney fees or required him to pay any amount over the settlement amount he and this firm negotiated. This firm initiated an ACH debit for **************** June installment payment account on June 15, 2023, consistent with his prior instructions. We also sent him a letter on June 5, 2023, in advance of debiting the payment, to inform him of our intent to do so. Our records show that he is currently compliant with the terms of the settlement agreement. Provided he tenders all payments as called for by the agreement, as we previously informed him, this firm will satisfy the judgment and report the debt as settled to our client.
  
  I hope this response helps to resolve any concerns the Bureau or ************** may have regarding this matter.
  
  Very ******************************************************************* Esq. *********** **************************************, Esq. ********************************** Senior Vice President of Legal Compliance 

  Customer Answer

  Date: 06/22/2023

  [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:06/15/2023

  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.

  They will not confirm receipts of any payments. No one is EVER in the office when I need to make a payment which is grounds for defaulting in court. They are putting me at risk for their own shortcomings. The website is a fake website. It won't recognize my log in credentials. When I did finally get ahold of someone, he asked me to tell him my social security number. All phone calls are on recorded lines. He said it was for verification. I asked if i can just give him my file number or verify another way because I absolutely will not give out my social on a recorded line and he responded with, "no."It is a shady organization that needs shut down immediately and needs to be audited. They *** me in court, and then they make it impossible for us to pay them. There is absolutely something wrong and it needs to be looked into. They have no email, no other way of contacting them. If you do decide to send an email to the lawyer assigned to your case, you will never get a response. The worst of all is, they ***d me for overdue payments that I was dealing with during a global, economically devastating pandemic. Disgusting

  Business Response

  Date: 06/23/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  

  BBB Complaint No.: ********
  
  Dear Sir or Madam:
  
  *************** on behalf of Zwicker & Associates, P.C. to the complaint submitted to the BBB in the name J Gdla. Based on the information included with the complaint submission,we have identified *************************** as the complainant in this matter.  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 ****.  
  
  In the complaint, **************** expresses that she has had difficulty discussing her account with our representatives and using our website. We believe Ms. ******* concerns may have been resolved, as our records show that she recently discussed her account with one of our representatives who clarified the status of her payments and was able to answer questions she had.Nevertheless, we will substantively address her concerns here.
  
  Our records show that **************** used our website to authorize a payment to her account on or about June 5, 2023. This firm was notified by our bank that the payment was returned for non-sufficient funds. As a result, we are no longer able to accept payments through our website from ****************, which is why her credentials do not allow her to access the site. As we have explained to ****************, she may still call or mail payments to us.
  
  **************** also indicates that she does not wish to provide her social security number on a recorded telephone line. Our personnel ask for limited personal information in order to verify the identity of callers so that we do not inadvertently release information to unauthorized individuals. Our records do not show that we requested Ms. ******* entire Social Security number, but rather only the last four digits. Our records also show that **************** provided that information when she spoke with one of our representatives the day after this complaint was filed, and she was also provided with the extension of the representative she spoke with, which should facilitate her reaching a representative who is able to discuss her account should she need to contact us in the future. 
  
  
  I hope this response helps to resolve any concerns the Bureau or **************** may have regarding this matter.
  
  Very *********************************************************************************** Esq. ************************************************** Esq. **********************   Senior Vice President of Legal Compliance 

  Customer Answer

  Date: 06/23/2023

  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. 

  She is wrong. *****************************, "Yours truly". Thanks for your cold and disgusting response to my complaints. I've been dealing with zwicker's EMPLOYEES just like you for over a year. Upon reading your reply, I am wondering if I even need to respond anymore.
  
   
  
  Everything ****** said, and the vitriol fueling off of that message from my complaints and frustrations is further proof of how exploitative and nasty they are. 
  
  No accountability. Look at these reviews? You think we all made this up?
  
  
  
  Adding personal details about me in your reply.
  
  Fully knowing this will all be public. 
  
  
  
  You are putting my life and security at risk. 
  
  How is that not confirming everything I just complained about? 
  
  Yes. It is unethical how far you will go.
  
   
  
  Actually, since you are a lawyer, you would know better than to expose my personal information like you have. Since I am sure you must be aware that I have been a victim in tax identity fraud. 
  
  That would be a weird thing for you to do as a lawyer. I have to report your little expose to the *** now. 
  
  
  
   Zwicker tells you immediately over the phone that they are not attorneys. Its really funny how I could only get a response from *****************************, after complaining about her and her department. 
  
  By the way ******, I have sent you many emails, since you were the lawyer assigned to my case. 
  
  Thanks for finally showing up, but your response is not appreciated. I did say in court that I wished to not be contacted by your minions if not via email. So tell me why you were calling my mother after that court date?
  
  
  
  
  
  I only had a pleasant experience with the designated bank agent, AFTER I had posted this complaint on BBB. AFTER I called so many days in a row and no one was "at work" in the ONLY department that "might" help me. Every. Single. Month.  Why on earth would I go this far and complain untruths on you for pennies?  You are threatening me for pennies. This business is corrupt. Zwicker is a corrupt institution. 
  
  ******, your reply accomplished only one thing.
  
  You just threatened my life. 
  
  
  
  Thanks for proving my point. 
  
  
  
  Not yours truly, 
  
  J 

  Business Response

  Date: 06/29/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  **********************************       BBB Complaint No.: ********
  
  Dear Sir or Madam:
  
  *************** on behalf of Zwicker & Associates, P.C. to the rebuttal complaint submitted to the BBB in connection with the above-referenced matter.  As noted in our prior response, the Complainant is not a customer or client of ********************** & ******************, P.C.
  
  The Complainants rebuttal was submitted in response to this law firms substantive reply to her prior complaint in which this firm addressed her concerns and explained why, among other things, she was unable to utilize our online payment portal. We respectfully disagree that our prior response failed to address the Complainants concerns expressed in the complaint or that our response was inappropriate in its tone or content.
  
  Very *********************************************************************************** Esq. *********** **************************************,Esq. ********************************** Senior Vice President of Legal Compliance

  Customer Answer

  Date: 07/05/2023

  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. 

  [ MRS.Very Truly Yours,**** /s/ ********************************* *****************************, Esq. ******** cc: **************************************, Esq. ****       Senior Vice President of Legal Compliance******** Thanks for replying.****It's a relief to know someone will respond to me once I complain to the BBB.**** Interestingly however, I did not read an apology in your reply. ******** I disagree with everything Mrs. ***** Truly Yours" had to say. You did not resolve any complaints or feelings I had towards this fraud organization or how they/ and yourself have tremendously mishandled almost every aspect in my case. If you don't accept excuses, why would I accept this TIHS.********  The tone present in your second response reflects in itself a stiff coldness so very typical of your gross telemarketing phone scheme called a lawfirm.  Yes, please seek help.******** I reject all of ******************************* excuses. My case has been closed. ******** This is on record. We have made a settlement. It is over and completed. Quoted as you will find in the recordings. Any retraction of this oral agreement, after this posting -July 5th 10:27pm 2023 EST, will be handled with the appropriate consequences. ************ Youre welcome, **** J ]********Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.********FAQ********Regards,

  J

   

   

• Initial Complaint

  Date:06/11/2023

  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.

  Someone used my information to get a loan. I never received it and I'm getting harassed a tacky looking man showed up to my house with all my information and court papers on a Sunday the papers wasn't in an envelope out I'm the opening.

  Business Response

  Date: 06/21/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  

  BBB Complaint No.: 20172111
  
  Dear Sir or Madam:
  
  *************** on behalf of 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 ******* ***** Bank *** as its attorneys with respect to a personal loan disbursed to *************** ending in ****.  
  
  In her complaint, **************** disputes the debt and claims it is the result of identity theft.  This firms records show that we received prior communication from **************** in which she asserted that the debt was the result of identity theft and that she should not be liable for the balance. Upon receiving notice of her claims, we promptly alerted our client to her concerns so that they could be investigated directly by ******* *****. Our records show that, after investigating her claim, our client determined that the debt was valid and owed by **************** and notified her directly of the results of its investigation by letter dated April 11,2023. Our records reflect that this firm also previously mailed to Ms.  ****** verification of the debt as requested in response to our initial correspondence to her. Although nothing in our records suggest that this firm has harassed *************** at any time, we have confirmed that an instruction is in place on her account which will prohibit outbound calls and letters to the extent required by applicable law.
  
  With respect to this firms attempts to serve **************** in connection with the lawsuit filed on behalf our client, this firm engaged an independent process server to serve **************** with the legal documents related to the lawsuit.  Although this firm does not yet have the process servers report, Ms. ******* allegations in the complaint relating to the manner she states service was made are not in violation of applicable law and rules regarding service of process in her jurisdiction.
  
  We have notified our client of Ms. ******* concerns as asserted in this complaint, though she has provided little information to support her claim and has not responded to our clients request for additional information to review her allegations. Although our records show that our client has already determined that the debt was valid and owed by ****************, she is welcome to send us any additional documentation supporting her assertions and we will promptly notify our client so that they may re-investigate her claims.

  
  I hope this response helps to resolve any concerns the Bureau or **************** may have regarding this matter.
  
  Very *********************************************************************************** Esq. ************************************************** Esq. **********************   Senior Vice President of Legal Compliance 

• Initial Complaint

  Date:05/16/2023

  Type:Order 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 received only ONE letter from them stating that they were handling my debt. No phone calls. Nothing. So I received a letter in the mail from a law firm advertising for me to retain, due to them SUEING ME. First of all, I was only contacted once via mail, not by phone or email. I called to set up my payment plan and all was well. Then today I go to check on my account and I cant even access the portal since I agreed to a settlement. Not to mention they dont send any formal documents. I want my documents in the mail or my email so I can keep them for purposes such as this. The customer service is pleasant, but the company itself is not very responsive. Only ONE letter in the mail and absolutely no phone calls regarding this? Not really professional.

  Business Response

  Date: 05/26/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  

  BBB Complaint No.: 20067631
  
  Dear Sir or Madam:
  
  *************** on behalf of 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 credit card account issued to ******************** ending in ****.  
  
  As mentioned in her narrative, our records reflect that we sent ******************* a validation notice regarding her debt dated March 16, 2023. That notice provided her with information about the debt and provided the opportunity to dispute the debt and request verification. Our records confirm that ******************** has recently negotiated a payment arrangement with this firm to resolve her account, however, prior to that arrangement being made, this firm had initiated a lawsuit on behalf of our client to recover the outstanding account balance. The filing of the lawsuit was not improper and the lawsuit was initiated in conformance with applicable procedural rules. Though the terms of payment arrangement we established with ******************** did not call for the dismissal of the legal action, as a courtesy to her and in light of the payment arrangement she has established, this firm will dismiss the lawsuit without prejudice.
  
  We also note that our records now reflect that ******************** has engaged the services of a debt settlement firm. We are happy to discuss this matter further with her representatives or, if her representation status changes, with ******************** directly.
  
  I hope this response helps to resolve any concerns the Bureau or ******************** may have regarding this matter.
  
  Very *********************************************************************************** Esq. ************************************************** Esq. **********************   Senior Vice President of Legal Compliance 

• Initial Complaint

  Date:05/12/2023

  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.

  Zwicker and associates was assigned my debt by discover since Feb 14 2023. This is may 2023 and still they seem not to be able to discuss anything about the debt . I have been calling for the past 3 months and they keep telling me that the account is on hold. I sent a debt validation letter which discover responded but zwicker and associates only sent me a letter that they took over the debt as the attorneys . Nothing about the debt, how much I owe nothing. They cant even discuss the debt that its on hold. I just want to settle and get this off my credit report .

  Business Response

  Date: 05/22/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  
  BBB Complaint No.: 20051909
  
  Dear Sir or Madam:
  
  *************** on behalf of 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 credit card account issued to ********** ending in ****.
  
  In his complaint, ********** asserts that he has been unable to discuss his obligation with our office. As an initial matter, ************ complaint should now be resolved, as we are prepared to discuss the debt with him and we encourage him to contact us.Although we believe that we have addressed ************ concerns, we would like to explain to ********** the reason why this firm could not immediately discuss his debt with him.
  
  This law firm was retained as successor counsel with respect to ************ judgment debt. In connection with that, we filed a Consent to Change Attorney notice with the court providing notice to the parties and court that this firm was now counsel of record for *************. Prior to attempting to collect the obligation on behalf of our client, it was necessary to review the account information and take steps to obtain additional information required to commence collection activity. This was necessary to ensure that we provided ********** with accurate and complete information about the amount he owes to our client. As mentioned above, this firm has now opened ************ collection file and we will send him a validation notice containing information about the debt. We are prepared to discuss the debt with **********, should he contact us.
  
  I hope this response helps to resolve any concerns the Bureau or ********** may have regarding this matter.
  
  Very *********************************************************************************** Esq. ****************************************************** Esq. ****************************              Senior Vice President of Legal Compliance
  
  

• Initial Complaint

  Date:04/28/2023

  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.

  I made a payment arrangement for 12 months, I have made my payments for 10 consecutive months without failing on any. Last month, March, I had surgery, but despite this, I paid them for the current month, the recovery took longer than expected, and I started working at the end of the following month. I called them to explain my situation, and to please let this month of April pass, and in May I would make a payment, and in June the last one, that it was a matter of humanity because of what had happened with my surgery. At no time did I tell them that I did not want to or that I was not going to pay, only that they allow me to return to my work, and we would continue as planned from the beginning. The answer was an absolute "NO", and that if I did not make the payment, they would freeze my accounts. It is disgusting in the way these people treat customers, they have no respect for human beings, they do not understand that we, like all of them, at some point may have a small problem, but we are showing our faces , and and assuming our responsibility. I just tell everyone in this company "REMEMBER THAT THERE IS ONE ABOVE THAT LOOKS DOWN"

  Business Response

  Date: 05/08/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  

  BBB Complaint No.: 19995989
  
  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 credit account ending in **** issued to ************.
  
  In his submission to the BBB, ************ explains that he has incurred a personal hardship and requests the courtesy of an extension to his settlement agreement. Our records show that ************ did contact our office to request an accommodation on April 28, which was the same day that he filed this complaint. Our personnel did not refuse to work with ************, to the contrary our personnel presented ************ with alternative arrangements in an attempt to accommodate his request.
  
  We understand that ************* hardship prevented him from tendering a payment toward the settlement in April.  Although we were not able to reach an alternative solution with ************ the last time we spoke with him, we wish to work with ************ so that he can complete his settlement agreement. Though the agreement reached with this office called for timely receipt of his payments to satisfy the settlement, as a courtesy pursuant to the hardship information he has provided, we will agree to extend ************** repayment terms as requested in this complaint. ************ should contact our office to finalize this arrangement so that the remaining payments can be scheduled.
  
  We hope this helps to resolve any remaining questions that ************ or the Bureau may have concerning this matter.
  
  Very truly yours,
  /s/*********************
  *********************, Esq. ************************************************************************************
  
  cc:  **************************************, Esq. **************************************** Senior Vice President of Legal Compliance

• Initial Complaint

  Date:04/12/2023

  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 have an outstanding debt with Discover that I was brought to court over by Zwicker and Associates. I tried to set up a voluntary arrangement on 3/8/23 to rectify this. I explained my situation, the hardship and that it would be hard for me to come up with $20.00 a month. At which point we went through the extent of my hardship situation and offered a payment of $34.89. I got a letter days later saying they were going to process a payment of $3,489.00. I called on 3/9/23 and 3/10/23 the direct line number provided and left voicemails to which I never received a call back. They then tried to process that payment multiple times leading to multiple fees for insufficient funds. I finally got someone on the phone today 4/12/23. They stated that I agreed to pay $3,489.00 and there is no such payment amount for $34.89. At which time I asked for the recording and they advised I would have to make that request in writing and in the mean time unless I could afford the balance there was no voluntary arrangement that would cease collection activity. I have tried numerous times to make payments to this end and I believe it's reprehensible to try to process a payment in that amount after a 15 minute conversation explaining it would be difficult to come up with $20.00. As a result, I will likely have to go back to court on 5/17/23 and want to make sure I've done everything possible to rectify the situation.

  Business Response

  Date: 04/21/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  

  BBB Complaint No.: 19926616
  
  Dear Sir or Madam:
  
  *************** on behalf of 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 credit card account issued to ************** ending in ****.
  
  **************** complaint asserts that this law firm debited the incorrect amount from his bank account. We believe that this complaint was caused by a misunderstanding relating to the amount ************** authorized us to debit from his account. This firm attempted to debit from **************** account the precise amount that he authorized this firm to debit. Our records show that on March 8,2023, ************** called this firm to discuss the possibility of establishing a repayment agreement with respect to his debt. That conversation ultimately concluded with ************** authorizing the payment in question. As part of the verification of the payment amount, our employee specifically stated that ************* was authorizing a payment in the amount of three thousand four hundred eighty-nine dollars, which ************** expressly confirmed. This firm attempted to process that payment one time on March 13, 2023, consistent with the authorization given by ***************
  
  We now understand that ************** may have intended to pay only $34.89 as he indicates in this complaint. Although that was not the amount that was confirmed, we would like to work with ************** to reach an agreement that allows him to regularly pay an amount that is within his financial means. We understand that ************** may be experiencing a financial hardship and if he has incurred any charges from his bank as the result of the March 13, 2023 transaction, we will reimburse those fees if he provides us with documentation supporting them. This firm will also forward to ************** a stipulation to dismiss the post-judgment legal proceedings against him. ************** may contact *********************************, who is a managing attorney in our ************* office familiar with this matter, should he wish to discuss the possibility of a payment arrangement. Attorney ******** may be reached at ************************.
  
  I hope this response helps to resolve any concerns the Bureau or ************** may have regarding this matter.
  
  Very *********************************************************************************** Esq. ************************************************** Esq. ****************************              Senior Vice President of Legal Compliance 

• Initial Complaint

  Date:04/11/2023

  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.

  ********** bought old alleged debt from expired judgment order & re-executed old bank execution on expired order. They illegally executed bank execution on expired order 3 years & 2 months past the legal statute of limitations: The statute of limitations has long since expired.REGARDING EXPIRED JUDGMENT ORDER: ******: DATED: 02.21.2014 REGARDING ILLEGAL BANK EXECUTION DATED: 03.29.2023 REFERENCE # ****** Per *********** General Statutes: C.G.S. 52586;C.G.S.52-576; The statute of limitations has expired on this above listed judgment. The illegal bank execution on an expired order via the statute of limitations was orchestrated by the following:************* ;C/O ***********************************, ESQ. ********************** ***************************************************************** FAX: 860.745.6633********************** **** ********************** *********** ***** ; ********************** *****************************************; ********************** ;80 ************** *******, ** 0180-1008FAX: ************ The judgment was dated 2.21.2014. This type of judgment has a 6-year maximum. The statute of limitations expired 2.21.2020. It has been 9 years and 2 months since the judgment order.The Bank Execution was executed on: 03.29.2023. Past the statute of limitations by 3 years & 2 months. The law prohibits from collecting on an expired order and executing an illegal bank execution. The law prohibits attorneys and individuals from fraudulently trying to collect an expired alleged debt. This firm illegally stole $356.03 + $125.00+ any additional fees fraudulently from account on order that exceeded the statute of limitations by 3 years & 2 months. HOLD this firm accountable & prosecute to the fullest allowable by law: 100's of complaints for same thing. This is not an acknowledgement of debt owed. This does NOT in any way serve as contact to re-start already expired statute of limitations on alleged debt. Please advise when my funds will be returned & how the firm was prosecuted.

  Business Response

  Date: 04/20/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** 01752 
  
  BBB Complaint No.: 19925620
  
  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 credit card account issued to ************************ ending in ****. This law firm does not engage in debt purchasing and we have no ownership stake in Ms. *********** debt.
  
  In her submission to the BBB, ************************ asserts 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 judgment against ************************ in 2014.  The judgment remains unsatisfied and valid and the time to enforce that judgment has not expired under applicable law. 
  
  This law firm has not sought to collect a time-barred debt nor have we engaged in any unlawful or illegal conduct with respect to the collection of Ms. *********** obligation. Because the judgment against ************************ has remained unsatisfied for nearly nine years and during that time she has not established any payment arrangement to attempt to repay the judgment, on March 17, 2023, this firm obtained an execution of garnishment from the court. The execution was served on Ms. *********** bank and instructed the bank to hold any non-exempt property belonging to ************************ which could be applied to satisfy the judgment. This firm did not improperly serve the execution or seek to execute on any funds protected by law.
  
  Our records show that the day after this complaint was filed with the Bureau, this firm received from ************************ via facsimile a claim of exemption in which she stated that the funds held by her banking institution were exempt from attachment. Although no proof was supplied that any exempt property was attached, as a courtesy, we have requested that the garnishment of her account be released and that any funds held by Ms. *********** bank be released back to her.
  We hope this helps to resolve any remaining questions that ************************ or the Bureau may have concerning this matter. 
  
  Very truly yours, 
  /s/ Pearl Louis
  *********************, Esq. 
  
  cc:  **************************************, Esq. 
         Senior Vice President of Legal Compliance
  
  

• Initial Complaint

  Date:03/16/2023

  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 have a a written ageement with Zwicker and Associates to pay on a debt I had with ******* ***** Bank. I received a confirmation letter stating that ******* ***** agreed and accepted the payment plan that was scheduled in June of 2021. Since June the automatic payment has been coming out of my checking account. I have heard nothing from ******* ***** or Zwicker and Associates so I was under the assumption I will just contiue to pay this until debt is **** which is what the letter also stated. I called this week to give them my new checking account number I have before the next payment gets pulled and I was told they cant do that or help me in any way because my account is on hold. I called back same thing. No one can tell me what is going on. Now they dont have the correct checking so I dont want that to come back on me and I dont understand how a company cant tell me what is happening with my account. Kind of scary to be honest. Thank you

  Business Response

  Date: 03/24/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  
  BBB Complaint No.: 19604601
  
  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 ******* ***** Bank *** as its attorneys with respect to a judgment debt arising from personal loan ending in **** issued to ************.
  
  In her submission to the BBB, ************ suggests that her payment arrangement is in jeopardy because she has been unable to contact this firm. As an initial note, ************ may contact our office should she desire to re-establish her prior arrangement, which we will honor. The contact information for our collection manager who is prepared to assist her is provided below.
  
  With respect to the content of ************** complaint, while she did establish a repayment agreement with our firm that was memorialized in both a letter and a signed stipulation, her assertion that she has been paying pursuant to that agreement since June of ************************ our records. Our records show that ************ pre-authorized the first 12 installments pursuant to her agreement, but we have not received any payments from her since May of 2022. Our records do not show that ************ attempted to contact us again until March 13 of this year,however, as explained above by that time she had already missed nine installment payments due under the terms of her agreement. That said, as we indicated above, we are prepared to speak with ************ to re-establish her prior agreement, if she wishes to do so. ************ may contact *************************** at ********************* if she wishes to discuss her obligation.
  
  We hope this helps to resolve any remaining questions that ************ or the Bureau may have concerning this matter.
  
  Very truly yours,
  /s/*********************
  *********************, Esq.

  
  cc:  **************************************, Esq. **************************************** Senior Vice President of Legal Compliance
  
  
  

  
  

  Customer Answer

  Date: 03/26/2023

  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. 

  That is ******** I signed a repayment until its paid off not 12 months I have the second page of the letter that states that . So why did they stop I have no idea I agreed and *************************** agreed to have me pay until 2025.  

  Business Response

  Date: 04/12/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  
  BBB Complaint No.: 19604601
  
  Dear Sir or Madam:
  
  This letter serves as a response from Zwicker & Associates, P.C. to the rebuttal 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 ******* ***** Bank *** as its attorneys with respect to a judgment debt arising from personal loan ending in **** issued to ************.
  
  Our records show that prior to submitting her rebuttal complaint to the Bureau, ************ contacted this firm and successfully negotiated a repayment agreement on her account which will resolve her debt in full if paid as agreed. As a result, we believe this complaint may be resolved. Although this firm has substantively responded to the original complaint, we nonetheless respond to ************* rebuttal complaint to clarify the facts. As stated in our prior response, this firm and ************ did reach a prior repayment agreement with respect to the monthly installments ************ would tender to repay her obligation in full. ************ preauthorized the initial twelve payments under the terms of the agreement. Because the agreement called for more than twelve payments, it was necessary for ************ to authorize further payments after her initial series of authorized payments had been processed.Although our records do not show that ************ authorized further payments pursuant to that original agreement, as stated above we have spoken with her and reached a new agreement and therefore we believe this matter is resolved.
  
  We hope this helps to resolve any remaining questions that ************ or the Bureau may have concerning this matter.
  
  Very truly yours,
  /s/*********************
  *********************, Esq. ***************** **************************************, Esq. **************************************** Senior Vice President of Legal Compliance