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Sued by Zwicker & Associates, PC in Michigan?

Sued by Zwicker & Associates, PC in Michigan?If you have received a letter from Zwicker & Associates, PC or another debt collection firm stating you have an outstanding balance, there are a few things you need to know.   Zwicker & Associates, PC is a debt collection firm that frequently represents Discover and American Express. They pursue legal action on behalf of these debtors, hoping to collect outstanding debts.

Debt collectors are required to follow certain rules, though some will push the legal limits.  They are required to inform you of the exact amount you owe, tell you who they are and what entity they represent.  They are not allowed to give you false information, claim that they work for a credit reporting agency, or tell you that you are guilty of committing a crime.  If you have been contacted by someone claiming any of these things, this is a signal that the debt collector may be using abusive, illegal practices.

There are a number of tips you may implement in order to ensure you don’t get strong-armed by these entities.   Ensure you are familiar with your rights under the Federal Fair Debt Collection Practices Act (FDCPA).  The FDCPA may apply to lawyers if they are acting as a debt collector.  Further, though the debtor hopes to collect the full amount of your balance, you may be able to settle for less than the amount they claim you owe.  Even if you owe a large amount, bankruptcy is not your only option.   Paying a lump sum may not be possible for you but an experienced attorney can be instrumental in reaching a settlement and arranging a payment plan with collection firms such as Zwicker & Associates, PC on your behalf.  This can make it easier for you to pay off outstanding debt.

For more information about Debt Collection Defense and Zwicker & Associates, PC or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.

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Troy Michigan Debt Settlement Attorneys

Troy Michigan Debt Settlement AttorneysCredit Card and Debt Settlements – at Garmo & Kiste, PLC we are proud of the settlements we have been able to get our clients on all sorts of outstanding debts.

Here are some of our hall of fame debt settlements results:

$197,103.00 settled for $26,000.00 in Oakland County.
$100,000.00 settled for $24,000.00 in Oakland County.
$54,000.00 settled for $5,000.00 in Wayne County.
$48,000.00 settled for $8,000.00 in Macomb County.
$52,000.00 settled for $11,000.00 in Wayne County.

As you can see many of these debts were settled for mere pennies on the dollar. Even if you do not have a large lump sum available, we may be able to negotiate an upfront payment followed by a payment plan. This will stop creditors calling and can even prevent litigation.

To retain Garmo & Kiste, PLC, for assistance in debt settlements call us at (248) 398-7100 for a free consultation or contact us with a private message.

Troy Michigan Debt Settlement Attorneys: We are experienced Michigan attorneys with offices in Troy, MI and would be willing enough to take care of your debt settlements.