Zwicker & Associates

I have tried email, letter, and calling and no one will call me back!

I am willing to pay 70% / $1800 as settlement for this debt, we fell upon Financial Hardship when I experienced a loss of my job that I had for 17 years, loss of Medical Benefits, and then I suffered a Grand Mal Seizure. This put me in the hospital for 7 days, and I had to go through many physical therapy and treatment programs. The Medical bills were in excess of $88, 000.00, which we have been working to get resolved. Because of this financial hardship we have had to work on a loan modification with our home lender and other creditors. Just recently we also found that my wife of 22 years could possibly have breast cancer although this isn't of your concern it is just another hardship for us to endure. If you agree to the terms, I will send certified payment in the amount of $1800 or an agreeable payment plan by April 15, 2020. In exchange to have all information related to this debt removed from all of my credit files, and the court case dropped.

I am disabled on SSDI, I am on Medicaid, I am eligible for food stamps, I am on home energy assistance...

I recently went to legal aid, because despite a lawyer informing Zwicker and Associates that I am uncollectable, have been diagnosed with a brain tumor, and own no lavish goods, they have gone ahead and filed suit anyway; but it gets even more outrageous! They NEVER served me and put a note in the court docket that I was served!

EDITED Email

Thank you, ***, As I said, Z&A are a very sleazy, aggressive "firm". They put a note in my court docket/case file that I was served by them when I NEVER was! If not for the court mailing me a notice, I would have never even known for sure if a case against me existed or not! Once they obtain their "judgement" aren't they supposed to notify me? I am skeptical that they will even do that, given that they so brazenly ignored accepted court protocol. Please understand, I don't want to come across as a pest, but I am very ill physically and emotionally as a result of battling cancer for about 5 years now (my 13 year old daughter and wife found me unconscious on the floor in my bathroom 1.5 years ago, and called 911 thus saving my life), and dealing with a very unethical, aggressive adversary that could care less about whether I have a brain tumor or not. I believe that they should be challenged and confronted for what I BELIEVE was a deliberate LIE to the court stating that I was served, when I WAS NOT. Several years ago, I worked for the family courts in *** and judges were furious if and when they perceived someone had committed perjury. If it was a mistake on the creditor's part (which I highly doubt), I still think that they should be held to account. They should be treated as disrespectfully and aggressively as I am treated by them. I am on SSDI, state Medicaid, and energy subsidies, barely surviving. I could not even afford to buy my children holiday presents this year! I have a wife and minor child at home. If this sleazy firm freezes what little money I get from 9-10 hours of work per week, (this is what I "earn", while I am on on Social Security Disability, typically about $150 per week), it can literally mean the difference between living like a human being in dignity, or being destitute. My biggest fear is that Z&A will freeze Social Security funds (I know that there is supposedly a law prohibiting this), and I am also fearful that they will freeze my pitiful wages, also supposedly "exempt" from seizure. From what I have read about this dangerous organization, it seems to me that they break rules and get away with it until some authority or government entity chooses to take action against them. They indeed feed off the misery and misfortune of others. I am strongly considering bankruptcy now.

Zwicker/Brachfield/Sherman Captial form a partnership to represent Chase Bank in attempting to collect a non-existing debt. The debt cannot be substantiated, but the threats and harassment continues after three years. The Better Business Bureau has ruled in my favor that the Zwicker partnership violated federal law under the Fair Debt Collection Protection Act.

These people never give you a reciept of payment or tell you what you have left. Buy hey dont pay them and they start harassing you. Just tell them you want proof of what you have paid and then they will leave you alone lol
These people need to be stoped

I have sent to the above company zwicker & associares located in mass. 3 times copies of cancelled checks paid to them by my bank on 7/2/08 for a total of $728.00. After 17 mos. They are still asking me to send them copies of the checks again and they "will take care of immediatelu" I have heard this startement for 17 mos. Amd am srill waiting for them to apply the balance of this money $528.00. I have copies of the checks buy do not feel that after 3 times and 17 mos. I should not have to send them again, so they can gibe me the same song and dance for another 17 mos. My balance in oct. 2009 was $1, 500, as per a letter from them,. Then I get another letter 2 weeks later that my balance was $1990.00. Some brillant person added the $500.00 to, my balance instead of subtracting the money. I have paid them a total of $600.00 im the meantime, and therefore my balance to pay off this account is now $400
And that is all I inrend to pay.

this collection agency has put a claim against the wrong person and it is showing up on credit report. the correct person should be in the name of sharon dellagiustina but they have placed it on robert dellagiustina this is incorrect and is causing problems for the wrong persons credit, i hope you will be able to correct this and put the charge on the correct account. thank you in advance. mr. robert dellagiustina.

I worked out a payment plan after losing my job to pay off a credit card through Zwicker and Associates. They took payments for 6 monts. I then noticed that not a cent was sent to Bank of America to lower my balance.