How to Remove Zwicker & Associates From Your Credit Report

Who is Zwicker & Associates, P.C.?

Zwicker & Associates, P.C. is a law firm specializing in debt collection with its headquarters in Andover, Massachusetts. However, its reach is not limited to just Massachusetts as they operate nationwide. As a debt collection agency, they are engaged to recover unpaid debts on behalf of various creditors.

If Zwicker & Associates, P.C. is listed on your credit report, it generally signifies an account in collections. This typically occurs when you have a bill that was not paid and has fallen into default.

Who does Zwicker & Associates collect for?

Zwicker & Associates, P.C. represents a variety of larger clients in their efforts to recover debts. This includes financial institutions and credit card companies such as American Express, Bank of America, Chase, and Discover Bank.

Is Zwicker & Associates legit or a scam?

Zwicker & Associates is a legitimate company. They are a law firm authorized to collect debts on behalf of their clients. However, it’s always essential to verify any debt that a collection agency claims you owe before making any payments.

How can I remove Zwicker & Associates from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

Zwicker & Associates, P.C. Contact Information

Address:

Zwicker & Associates, P.C.
80 Minuteman Road
Andover, MD 01810

Phone number: (800) 370-2251 or (978)-686-2255

Should I contact or pay Zwicker & Associates?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Zwicker & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Zwicker & Associates on behalf of their clients.

Will Zwicker & Associates sue me or garnish my wages?

Zwicker & Associates, P.C. can legally sue you for an unpaid debt. If they win the lawsuit and a judgment is issued against you, they may have the ability to garnish your wages or levy your bank account to recover the amount owed, depending on the laws of your state.

However, it’s important to remember that lawsuits and wage garnishment are typically seen as last-resort measures for debt collectors. This is because these processes can be time-consuming, expensive, and require significant effort to execute.

Zwicker & Associates, P.C. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed by Zwicker and Associates, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Zwicker & Associates, P.C.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for Zwicker & Associates to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• Zwicker & Associates, P.C. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Zwicker & Associates must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• Zwicker & Associates cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Zwicker & Associates From Your Credit Report Today!

Credit Saint offers assistance with disputing Zwicker & Associates collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.