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Zwicker and Associates PC


1101 Laurel Oak Road #130
Voorhees, NJ 08043

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Zwicker and Associates PC is a company that works with various businesses to provide collection services and recover debt. Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Sal L. on April 22, 2015 at 10:53 pm

      I agreed to a settlement with Zwicker and Associates to pay each month for an American Express account. Everything was going well and payment was being made on time and then I received court papers indicating that Zwicker and Associates is suing me and wants the entire amount due. I called Zwicker and Associates and left a message. No call back.

    2. [anonymous] on June 8, 2015 at 9:46 pm

      I have been harassed by Zwicker and Associates PC for years. Zwicker and Associates PC can contact me with court papers, but never return my calls when I try to settle the debt.

    3. Cody H. on July 9, 2015 at 11:36 pm

      Zwicker and Associates PC sent me a letter about my Chase Account. Zwicker and Associates PC told me everything was paid in full. Zwicker and Associates PC said they would not take any more money from my bank account. Then Zwicker and Associates PC hit my bank account again and won’t reverse the charges.

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