If people didn't live beyond their means or in this case abuse credit when there is a sudden loss of income they wouldn't be in their current situation. This portion of my commentary is not coming from a professional opinion, rather my personal opinion.
When issuing credit cards most banks include what is called an escalation clause in their contract that states your balance becomes due in full when you default on the credit they have extended you.
In regards to this specific post, the second sentence of your post states you used the money made available to you by the bank to supplement your income knowing that you couldn't readily repay the debt that you were racking up. The fact that banks received government bailout money doesn't excuse the fact that you knowingly took what you couldn't repay. Although you made a conscious effort to repay, you were not abiding by the original contract that you signed. There are no feelings in business and while i'm sure you were pulling at the emotions of whoever you spoke to at the bank, your contract is specific for a reason. To protect the bank's interests and their shareholders.
Banks are in business to make money, period. So when you said, "Fine, don't take my money, i'm just not going to pay you." That is where we come in. Regardless of your many opinions the fact is that Zwicker & Associates IS a law firm, employs ACTUAL attorneys and WILL SUE you if you don't comply with the terms of your original contract.
The banks want their money. We are just the people who call you and allow you another opportunity to pay on a voluntary basis. If that doesn't work, our network of attorneys are the individuals who provide involuntary solutions to your debt problems.
In regards to your statements about violations of the law, if we have violated the law why haven't you sued? Perhaps it comes back to your inability to provide proof that we have violated the law. Provide copies of these letters you have sent and copies of the certified mail receipts which I am sure, being the intelligent individual you are, you have in your possession.
One thing I would love to see you do is prove that we have violated EVERY FAIR DEBT COLLECTION LAW. I am a mere collector at this firm and every person I speak to is notified that I am not an attorney and cannot provide legal advice. Additionally I advise every person I speak to that all calls are recorded. If you don't want to be recorded, tell us.
The best thing you can do as a consumer is educate yourself.
We provide multiple programs to people in an effort to resolve their debt and it seems that most of the time people are unwilling to put forth any effort at all to reach the same end. You want what is comfortable and sometimes in life you can't have your cake and eat it too. Sometimes you have to pull your head out from where it's lodged and remember that YOU put yourself into this situation. Normally it is so easy and tempting to use credit and accrue debt and it is one of the most difficult things to get yourself out of.
It takes sacrifice, dedication and a willingness to humble yourself and swallow your pride to dig yourself out of the hole you are in. It may not be the easiest thing you have done but remember you put yourself here, we didn't. We are protecting our client's interests. If you feel the firm or a collector has violated the law we need to be notified so that the issue can be handled because it is out of control people who give debt collectors a bad name and people who can't take responsibility for their own actions and pay their debts who raise interest rates, just like people who steal raise the prices of goods that we all buy and use.
I am so sick of people whining and complaining because they can't handle the fact that they have left themselves in such an akward position. Stop complaining about how it's because of the bank that you are now in debt because they wouldn't take $20, $30 or even $100 on your debt as opposed to what you owed or agreed to pay.
I am no different from the people posting on this blog or anyone on the planet in the respect that I have bills, I owe money, and it is sometimes a difficult decision for me to do what I know I should instead of what I want to do. The difference is I sacrifice to meet my obligations. My family doesn't suffer and they have nice things, but I will go without to pay my bills.
You have the number to the firm, stop wasting time rallying pity for yourself and put forth the effort to get yourself out of the situation you are in.
Mr. Williams
Why file a report here? Ripoff Report is a permanent record! Other complaint sites copy our content then remove reports for money.
