Zwicker and Associates, a collection law firm, is calling or writing to you about a debt. It must send you a validation notice with its first contact or within five days. Check Zwicker's numbers, write your dispute, or call a consumer lawyer.
Our help line, not theirsZwicker's notice carries an end date, and a written dispute sent before it pauses collection. Talk to a consumer lawyer about this Zwicker debt in your state. Call during business hours with the letter or summons in hand.Call (844) 393-5856
You call during business hours and say which debt it is.
You answer a few questions about the debt and any court date.
You decide whether a consumer lawyer sees your details.
Calls go to our debt help line during business hours. The call costs you nothing, and you give up nothing by calling. Debt Collector Lookup matches people with consumer lawyers; we are not a law firm or a debt collector.
Federal complaints since October 2023
540 under "ZWICKER & ASSOCIATES"
Send your Zwicker details
You have a letter from Zwicker and Associates about a debt in your state. Dispute in writing before the end date on Zwicker's notice, and Zwicker must pause collecting until it sends proof. Send the amount, the end date and whether you got court papers; if you say yes, a consumer lawyer in your state can look at them.
Sending this costs nothing and commits you to nothing. We keep your answers with the collector's name, and you decide whether a consumer lawyer sees them. Debt Collector Lookup is not a law firm or a debt collector. The form does not schedule a call; to talk, call our debt help line during business hours.
Who is Zwicker and Associates and whose debt do they collect?
Zwicker and Associates is a law firm that files lawsuits and sends letters to collect debts for banks and debt buyers. Zwicker is a collection law firm with its main office in Massachusetts. The company that first lent you the money may be a different name on your letter.
Is this Zwicker call or letter real?
A letter or call using the name Zwicker and Associates does not prove you owe a debt. A real collector gives you its name, street address and phone number. It also gives you the details of the debt.
Scammers refuse to give those details. They threaten arrest or hide their mailing address. Some ask for your personal information on the first call.
Hang up and call Zwicker back on a number from its own website.
Ask for the validation notice, which is due within five days of first contact.
Check the creditor name and account number against your own records.
If the caller fails any of the three steps, stop talking. Do not pay, and do not share your bank or Social Security number.
For example, if Zwicker first called on March 3, the notice is due by March 8. If five days pass after the first call with no notice from Zwicker, write and ask for it before you pay anything. The FTC lists the signs of a fake collector. Check the signs of a fake collector.
What is Zwicker and Associates's phone number?
These are Zwicker's own published phone numbers. They are not our numbers, and we cannot take a payment or look up your account. Caller ID can be faked, so a match does not prove who called you.
Zwicker's numbers, as listed on its own site
Their number
Where it is listed
833-210-5100
zwickerpc.com/contact
877-368-4531
zwickerpc.com/contact
Will Zwicker sue you?
Zwicker is a law firm that collects debts. Its lawyers can file a lawsuit for the company that owns your debt. A letter from a law firm is not a lawsuit. A lawsuit starts with court papers called a summons.
If you get court papers, find the answer date on the summons right away. California gives 30 days to answer a regular civil case, and other courts set their own dates. If you miss the date, the court can enter a default judgment. Then the collector can ask to take money from your paycheck or bank account.
If Zwicker sued you in your state, your answer is due by the date printed on the summons. Missing that date can let Zwicker win by default and seek money from your paycheck or bank. Call with the summons in hand before that date.
You call during business hours and say which debt it is.
You answer a few questions about the debt and any court date.
You decide whether a consumer lawyer sees your details.
Calls go to our debt help line during business hours. The call costs you nothing, and you give up nothing by calling. Debt Collector Lookup matches people with consumer lawyers; we are not a law firm or a debt collector.
Will Zwicker delete the account if you settle?
You can offer Zwicker less than the full balance. Before you pay, get the amount, the due date and the promise to stop collecting in writing. If you want the entry removed from your credit report, ask for that in writing too. Use the pay for delete letter to make that request.
We have not seen a published deletion policy from Zwicker, so ask for its terms in writing.
Send your dispute in writing before the end date printed on your validation notice. For a covered debt, Zwicker must pause collecting the disputed amount until it sends proof. A dispute letter does not replace an answer to court papers. Start with the validation letter to Zwicker.
The federal complaint database lists 540 complaints since October 2023 under Zwicker. The top issue is "Attempts to collect debt not owed". A complaint is not a ruling. It does not prove the company broke the law.
So if you do not recognize the debt, dispute it in writing before the end date on the notice.
Other issues people raised:
Took or threatened to take negative or legal action: 100 complaints.
Zwicker is a collection law firm, and we list its website and published numbers. That does not prove a caller works for Zwicker or that you owe the debt. Compare the name and address on your notice with Zwicker's own website.
Will Zwicker take me to court?
A collection letter does not tell you if a lawsuit is coming. No collector can sue on a debt past the time limit in your state. If court papers come, answer by the date on the summons.
Should I pay Zwicker?
Do not pay before you get the validation notice and check the amount. Zwicker must send it within five days of first contact. If the debt is yours, get any settlement in writing before you pay.
How do I stop Zwicker from calling me?
Send Zwicker a letter asking it to stop contacting you, and keep a copy. It can still write to confirm it will stop or to say it is suing. Calls at work must stop once you say your job does not allow them.
What happens if I ignore Zwicker?
The letters and calls can keep coming. The account can stay on your credit report for up to seven years. If you are sued and do not answer, the court can rule against you without hearing your side.
Zwicker and Associates contact page (zwickerpc.com), read on the company's own site.
Last checked October 2026.
What to do now
Find the dispute end date printed on Zwicker's validation notice, and send your letter before that date. If Zwicker and Associates sues you over the credit card debt, call our line before the summons answer date. Call with Zwicker's letter or summons in hand, and you decide whether a consumer lawyer in your state sees your details.
You call during business hours and say which debt it is.
You answer a few questions about the debt and any court date.
You decide whether a consumer lawyer sees your details.
Calls go to our debt help line during business hours. The call costs you nothing, and you give up nothing by calling. Debt Collector Lookup matches people with consumer lawyers; we are not a law firm or a debt collector.
