Posts tagged ‘collection law firm’

The following is a review of third-party debt collector, the collection law firm of Zwicker and Associates PC (a.k.a Zwicker & Associates):

Name: Zwicker & Associates, PC
Address: 80 Minuteman Rd
Andover, Massachusetts 01810-1031
Telephone: 800-370-2251
Fax: 978-686-3538
President: Paul W. Zwicker (admitted to Massachusetts BAR in 1979)

DFL Review

Zwicker and Associates PC practices civil litigation and specializes in creditor lawsuit filings on consumers that are delinquent on their debts. The collection law firm represents various plaintiffs, including Chase, Discover, GE Money, and American Express. They incorporated in 1991 in Massachusetts, where they are presently headquartered and have branches in Alabama, Georgia, California, New York, Texas, Nebraska, and Utah.

WARNING: If you reside in any of the aforementioned states and received a collection notice from the law firm of Zwicker & Associates, you probably received a legal demand for payment or were served with a creditor lawsuit (summons and complaint).

Being that Zwicker & Associates has notoriety for filing collection lawsuits, their legal threats must not be taken lightly. However, as a third-party debt collector, they DO NOT have the same collection rights as an original creditor or debt buyer. Being a “third-party” debt collector, this law firm MUST abide by state and federal collection laws, including the Fair Debt Collection Practices Act (FDCPA).

Under the FDCPA, a third party debt collector CAN NOT threaten to sue you unless they follow up with a lawsuit. They CAN NOT make false threats against you, such as threatening to take away your property or garnish your wages. They CAN NOT harass you or use profane language. Furthermore, Zwicker must be licensed to practice law in the state in which they are attempting to collect a debt.

Company’s History of Consumer Complaints

On the Rip Off Report website at a total of 11 complaints were filed against Zwicker and Associates.

On 03/2012, on the BBB website at – the Better Business Bureau reported that in the last three years, a total of 80 consumer complaints were filed by consumers against the law firm of Zwicker and Associates PC. Additionally, 43 of those complaints were closed in the past 12 months and 65 were related to billing/collection issues.

The online BBB Customer Reviews Summary includes a consumer review posted on 9/15/2011 alleging that Zwicker “did not respond to a debt validation request for a mentally challenged family member.” The complainant also intended to “contact an attorney to protect a mentally challenged family member and get advice on how to sue GE Money and Zwicker and Associates for unfair debt practices and violating the FDCPA.” (See full review here:

In July 22, 2009, in the New York Attorney General website at, Attorney General, Andrew M. Cuomo announced his office sued 35 law firms (including Zwicker & Associates) and two debt collectors in New York State to throw out an estimated 100,000 default judgments improperly obtained against New York consumers. The lawsuit against unlawful debt collection practices, which was filed in July 21, 2009 in New York State Supreme Court, Erie County, alleged that the defendants “failed to notify New York consumers that they faced debt-related lawsuits and failed to properly serve consumers across the state with legal papers, causing thousands to unknowingly default and have costly judgments entered against them without the chance to respond or defend themselves.”

Zwicker & Associates, PC has also been sued by consumers for violations of the FDCPA. However, the overall amount of consumer complaints and lawsuits filed against the law firm seems consistent with their size.

If you owe a legitimate debt and are being threatened or sued by a collection law firm, you may have been a victim of collection abuses. And, you should pursue whatever legal means necessary to protect your rights. You can also contact Debt Free League at (800) 213-9968 for debt relief assistance. Hiring a seasoned negotiator can help you convert a creditor lawsuit from a potential judgment into a satisfactory out of court settlement.

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Jan 2012


Winn and Sims APC aka Winn Law Group Review

Author : admin

Company: Winn & Sims APC


110 East Wilshire Avenue, Suite 212
Fullerton, California 92832

U.S Phone Numbers:
Phone: 714-446-6686
Fax: 714-446-6686

Head Collection Attorneys:
Brian N. Winn, Lawyer, CA Bar #86779
Ralph L. Sims, Lawyer, CA Bar #83880

ATTN: This news will be very helpful for you if you are being pursued by the above collection law firm and/or need debt settlement California assistance.

Winn & Sims APC (Winn and Sims), a.k.a. Winn Law Group, is a professional law corporation in the city of Fullerton, California. Admitted with the State Bar of California and active to practice law in the state of California (BAR license number: 86779), Winn and Simms is a general attorney specializing as a civil litigation attorney for creditors. They collect credit card debt and other types of unsecured debt settlement California accounts.

The company is privately held and is under the business category of attorneys and lawyers. They opened for business and incorporated in California in 1992. Recent reports indicate that Winn & Sims Law Group earns a yearly revenue of $3,700,000 and employes 30 employees. The company is an expert in Credit Union Law, FDCPA compliance, Claims and Deliveries, Commercial and Consumer collections, Financial Litigation, Creditors Rights in Bankruptcy, and Defense Litigation.

In layman terms, Winn and Sims is a debt collection law firm. Original creditors normally hire them a third-party collection agency that they outsourced to failed to collect an unpaid debt. If you reside in California and have received a collection notice from Winn Law Group, it may be a mini-Miranda demand for payment. Being that such notice comes in the form of a law firm letterhead can be very intimidating. However, the intent of their notice is to get you to repay a debt or to get a debt settlement California negotiation.

The real threat to be concerned about is receiving a Winn Law Group summons and complaint. This is a lawsuit issued by a collection law firm to a debtor to legally enforce collection of a debt for a creditor. Note: Creditor lawsuits normally happen after a debtor has ignored one or more demands for payment from a collection attorney and are generally filed to effect debt settlements or legally collect on unsecured debts ranging from $4,000 to $12,000 in value.

If Winn & Sims serves you a lawsuit, their objective is to pressure you to reach an immediate debt settlement or debt repayment. Otherwise, the intent is to take you to court and win a judgment against you. If you fail to show up to your court date, the court can also award a default judgment favoring the creditor. From there, the collection attorney can proceed by getting a garnishment order on your wages, or a lien on your home.

Unlike a lot of debt collectors, few collection issues or debt settlements complaints have been registered against Winn & Sims APC. According to a report found in January, 2012 at the website of the BBB of the Los Angeles, Orange, Riverside, and San Bernardino Counties of Southern California, in a 3 year period, 19 complaints were filed against Winn & Sims. Mostly all were for billing/collection issues.

At the Bud Hibbs website (, between 2007 and 2010, several people reported unfair debt collection practices complaints against the law firm. The website also warns that, “Winn and Sims may be attempting to collect on debts that are likely bogus, time barred by statutes, which cannot meet legal verification requirements.”

Beyond the courtroom, debt settlement California is one solution that you can consider if the above law firm is attempting to collect on your credit card debt. Trying this approach can certainly help you avoid judgment or wage garnishment issues with creditors.

To learn how debt settlements work, you can call a Debt Free League debt counselor at 1-800-213-9968 for free assistance. On the other hand, if this or any collection attorney has committed a Fair Debt Collection Practices violation, you may also contact the following:

* California Attorney General
* Federal Trade Commission
* State Bar of California (415.538.2000 /

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