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.
For more subject specific information, please click on the following Article links:
- Arbitration Defense
- Car / Automobile Repossession Defense
- Collections Defense
- Credit Card Debt Collection for an Authorized User
- Mortgage and Equity Line Negotiation
- Personal Guarantees Concerning Business Debts
- Remove a Wage, Tax or Bank Garnishment
- Installment Payment Orders
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