Zwicker & Associates is a Massachusetts law firm that represents banks and other lenders in collecting consumer debts, from letters and calls through lawsuits and bankruptcy claims. A Zwicker letter usually concerns a credit card or loan, and can come before a lawsuit.
- Type
- Collection law firm
- Also known as
- Zwicker & Associates; Zwicker
- Headquarters
- Andover, MA
- Collects
- credit card accounts, personal loans, student loans
- Phone numbers it lists
- (800) 370-2251
- Website
- zwickerpc.com
487 debt collection complaints were sent to the Consumer Financial Protection Bureau about ZWICKER & ASSOCIATES from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Zwicker & Associates?
Zwicker & Associates, P.C. is a law firm whose practice is collecting debts for creditors. Its website says it has provided debt collection and recovery services for financial institutions since 1991, "from initial contact to litigation," and it describes three practice areas: creditor-side bankruptcy work, consumer collections, and commercial collections. Its address is 80 Minuteman Road, Andover, Massachusetts 01810. The site lists a New York City Department of Consumer and Worker Protection license (2045431-DCA) and includes a notice that its attorneys are not certified by the Texas Board of Legal Specialization, which signals that the firm handles Texas matters.
Why Zwicker & Associates May Be Contacting You
Zwicker's consumer collections page says it collects for its creditor clients on everything "from personal and student loans to delinquent credit cards," using nationwide contact centers. Unlike many debt-buyer cases, the client behind a Zwicker account is often the original lender, such as the bank that issued your card.
A first contact from Zwicker is often a letter or a call, but because it is a law firm, its next step can be a lawsuit filed in the client's name. In bankruptcy cases it may also file a proof of claim for the creditor. For payments by phone, its site gives (800) 370-2251, with a separate number for New York City and Yonkers residents.
How to Check a Debt Zwicker & Associates Says You Owe
When a law firm is collecting for the original lender, the question is less often "who owns this?" and more often "is the balance right, and is it still collectible?"
- Use the validation notice. Zwicker must send one that names the creditor and itemizes interest, fees, payments and credits since the itemization date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. Ask for the last statement before charge-off, the card agreement or loan note, and a payment history. Zwicker must stop collecting until it sends verification.
- Confirm the creditor. Ask whether the original lender still owns the account or whether it was sold.
- For a student loan, ask whether it is a federal or private loan; the rules on deadlines and collection tools are different.
- Mind limitations. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004). Texas's ban on suits over time-barred debt applies to debt buyers (Tex. Fin. Code § 392.307), but limitations is also a defense when an original lender sues late. Other states set their own periods.
What Zwicker & Associates Can and Can't Do
Lawyers who regularly collect consumer debts, including through litigation, are "debt collectors" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). See can the collection law firm also be a debt collector? For Zwicker, that means:
- A letter on law firm letterhead may not suggest that a lawyer has reviewed your file or that a suit is coming if neither is true (15 U.S.C. § 1692e(3), (5)).
- It may not file suit in a distant county; a consumer-debt suit generally must be brought where you signed the contract or where you live (15 U.S.C. § 1692i).
- Its calls are limited to seven in seven days about one debt (12 C.F.R. § 1006.14(b)(2)), and it may not call your workplace if it knows your employer forbids it.
- Even with a judgment, wage garnishment is not available in Texas for ordinary consumer debt, and many assets are exempt.
If Zwicker has sued you, read our guide to being sued by Zwicker & Associates in Texas. To report collection conduct, see our Texas FDCPA attorneys page.
Being sued by Zwicker & Associates, P.C.? Read our full lawsuit guide →
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Zwicker & Associates, P.C. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Zwicker & Associates, P.C.: website (practice areas, contact and disclosures)
- Heintz v. Jenkins, 514 U.S. 291 (1995) (Cornell LII)
- CFPB Consumer Complaint Database: ZWICKER & ASSOCIATES, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Zwicker & Associates, P.C. has violated any law. Company details change; tell us if something here is out of date.