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zwicker and associates?

I once got tricked into debt settlement company only to realized that all the money i gave them ( about $2,000 ) went to nothing , at the time i thought they were like company who buy debts and give me discont , anyways i owe discover for about $4,600 then when CREDITSOLUTIONS can not settle any debts i delt with discover directly and they scheduled $246 a month for 6 months , after CREDITSOLUTION found out they said i delt with them so it is a breached of contract and they canceled my account =\ o well learn from my mistake , however i got a call today from

ZWICKER AND ASSOCIATES ,they said they r a law firm and discover asked them to investigate so they charged discover $1,600 and went to judgement and got awarded so i have to now pay them $2,000 plus the amount of money that i owe discover which is $3,600 plus interest of $40 a month start from the date of the judgement court so its 34 months which come out to be $1300 or so in interest plus the principle but the thing i don't understand is this

they said discover filed the lawsuit and awarded judgement on 5th of july 2008 but at the time i was paying discover $240 a month for 6 months ( ended in july 30th 2008 ) y would discover have lawsuit against me when i am setting up payments , anyways after the payment time ended i called discover but they said they already sold the debt to someone else so i no longer deal with them , now zwicker and associates filed a lawsuit and i owe a total of $6,700 including attorney fees , i'm confuse , then they said we can offer u discount so if u pay $5,500 we can end the case but if discover no sold the debt to some agency y am i being sue by this law firm , what is going on , r they debt collector? what r they? when i pressed they said well the judgement date is correct so ur not paying discover in july ,ur date is wrong so i said " i have prove right here " then they changed the judgement to sept , and when i asked to see a copy of the judgement they said they r not sending anything out ," u can go to the court to get the paper but will u pay us today ? " i told them it sounded like a threat so now the lawyer gonna get get a manager... what? when the manager come he sounded really rude so i asked what company is this and he said well i have another manager so i will go get her... lawyer has managers? what is going on? im i being con? i see the judgement on my credit report but i never recieve any suphena or nothing , they said they sent it to my old address in sept of 2008 but i havent move until 2009 what is this?

5 個解答

相關度
  • 匿名
    10 年前
    最愛解答

    They have some questionable actions out there.

    Here are some other complaints against them:

    http://www.complaintsboard.com/?search=zwicker&eve...

    You should seek legal advice from a lawyer licensed in your state if you need guidance on how to handle the case in court. If you feel Zwicker has violated your rights under the Fair Debt Collection practices Act (FDCPA) you might want to contact FairDebtHelpers.com for assistance.

  • 匿名
    5 年前

    Zwicker And Associates

    資料來源: https://shrink.im/a79bc
  • CatDad
    Lv 7
    10 年前

    Credit Solutions is the real problem. Anytime you deliberately default on a credit card to try to settle for less, you take a big risk. If they took you to court and won a judgement, then all you can do is pay.

    You need to understand that the $240 monthly payments you were making was not enough to stop legal action. Once you have defaulted they can sue at any time, regardless of any monthly payments.

    - You "could" make an issue of not being served properly. Even though they had a legitimate case, you do have the right to be served a summons properly and not have it dumped off at an old address.

    ....But even if the judgement is thrown out, they might just take you back to court again being that this default really occurred. If you really want to make an issue over not being served a summons, then see my answer (CatDad) at this link: http://answers.yahoo.com/question/index?qid=201002...

    - If your total debt including the judgement is over $10,000 and this is creating an impossible financial burden, then consider filing for Chapter 7 bankruptcy.

    I wish you would have posted prior to entering into this debt settlement program. We would have warned you about the dangers...

  • 8 年前

    Zwicker & Associates is a law firm specializing in debt collection. The company employs more than 800 people, and files lawsuits against consumers in 48 states. If Zwicker & Associates contacts you to collect a debt, take these three steps:

    1) Validate and dispute the debt. If the original creditor cannot validate the debt, the collection agent cannot collect it.

    2) If the debt is validated, then review the debt's statute of limitations to determine if it is likely Zwicker & Associates will file a lawsuit against you.

    3) If the debt is not time-barred, then learn tactics and strategies for negotiating a settlement for the debt.

  • 4 年前

    Zwicker & Associates

    資料來源: https://shrinks.im/a8d0g
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