The law firm of Zwicker & Associates P.C. is headquartered in Andover, Massachusetts and specializes in consumer debt collections.
Address: 80 Minuteman Rd., Andover, MA 01810
Chances are, if you receive a phone call or collection notice from Zwicker & Associates P.C., they are collecting on an account owned by Chase Bank, American Express or Discover Card. The website for this law firm provides no information regarding the company itself. It is strictly a login website to make payments to their firm. Zwicker & Associates is not accredited with the Better Business Bureau but has still received a grade of “C-” and has had over 85 complaints filed against them within the last 36 months. Zwicker & Associates P.C. collection agents are notorious for setting up arrangements directly with the consumer that are less than satisfactory. Many consumers feel pressured to enter into payment arrangements with this firm that they know they cannot financially maintain.
If you have an American Express account being collected on by their office there is a good possibility they have been retained to file a lawsuit against you if their collection efforts have failed. Settlement arrangements are satisfactory assuming you have obtained legal counsel and are being properly represented.
Discover Financial Services uses Zwicker & Associates almost exclusively in Ohio to file their lawsuits. Any Discover account sent to their office will almost always have an action filed on it at some point if pre-legal collection remedies fail. Attempts made to settle any Discover account pre-litigation is always a flat 80% settlement no matter what the consumer’s hardship. When a lawsuit is filed against the consumer by Zwicker & Associates P.C., typical settlement percentages improve from between 60% – 80% of the balance. If you are served with a summons and complaint from their office you should immediately retain a consumer law attorney.
Chase Bank credit cards and retailer accounts serviced by Chase may also be referred to Zwicker & Associates for collection. Terms on Chase accounts with Zwicker typically range in the 40% – 50% range and seem to be satisfactory for the consumer should you handle the collection matter at the onset of notification. Zwicker & Associates P.C. does not currently file a large number of lawsuits on Chase accounts, but it does happen from time to time.