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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My Mother, Daughter, Friend, Son, Nephew, etc. used my Credit Card and never paid me back and now the Credit Card Company is suing me. Am I stuck with the bill? Or do I have any recourse?
Unfortunately, you are likely liable for the debt. You could file an affidavit with your credit card company in which you attest that you did not make the charges and that these charges were unauthorized. If you timely file such an affidavit, you may not be liable for those charges. However, this might cause criminal charges to be brought against the individual using your card.
As such, most people similarly situated will do nothing in the hopes their relative or friend will make prompt repayment. Few people ever want to think that their friend or family member would ever betray them. Unfortunately, this is simply not the case.
If this has happened to you, let us help you. The Attorneys of Garmo & Kiste, PLC are experienced Debt Collection Attorneys who now specialize in Debt Collection Defense and Bankruptcy Work. In the past we learned the trade working for Credit Card Companies and Debt Collection Agencies.
Yearly we handle hundreds of collections and collections defense cases. For more information about Debt Collection Defense and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.