• Report: #264653

Complaint Review: LVNV Funding - Zwicker And Assoc.

  • Submitted: Wed, August 01, 2007
  • Updated: Tue, February 22, 2011

  • Reported By:carmichael California
LVNV Funding - Zwicker And Assoc.
199 S. Los Robles Ave Ste 140 Pasadena, California U.S.A.
  • Phone: 626-793-9703
  • Web:
  • Category: Lawyers

LVNV Funding - Zwicker And Assoc ripoff False accusation of debt intimidation frivolous court filing lying about getting a judgement Pasadena California

*Consumer Comment: Info. vs. Zwicker

*Consumer Suggestion: Good luck........in your fight for justice against the mobsters. ....see below for legal resources

*Author of original report: LVNV-Northland-Resergence-Brachfeld ripoff cycle appears to have ended finally

*Author of original report: LVNV-Zwicker-Resergent capital-Brachfeld

*Consumer Suggestion: File a criminal complaint

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LVNV Funding buys accounts from banks, creditors and other agencies of dubious repute. They use a variety of other collection agencies who charade or double as law firms. I was sued over a credit card I paid off in full 13 years ago. I told "Zwicker and Assoc." who represent LVNV, repeatedly I had paid off that bank card. They continued to harrass and intimidate with phone calls, refused to give me an address so I could write them a cease and decist letter, but they would still press me for my bank info and checking acct number. I would hang up. Next thing I know I get served a lawsuit claiming I had recently opened an account with a bank I think has been defunct for at least 5 years and that I owe nearly $9000. plus atty fees and 2+ years interest. I had to file an answer in court to avoid a automatic judgement. I immediately contact the credit bureaus to request copies of my report, and all 3 showed no entries from the bank I supposidly owed, nor LVNV nor Zwicker, however they did appear several times as having made "inquiries" upon my credit. There are no negatives, no judgements on my revolving lines of credit on any of my 3 reports. The "debt" is a fabrication!
Zwicker sent me formal inquiries and a request for admissions (confessions), which were all lies. I denied the accusations and I submitted to the requests and for my proof sent them all 3 of my pristine credit reports from Experian, Equifax and Transunion. I thought this would be the end of it. Wrong.

Last night Zwicker calls to tell me they got a judgement against me. I was shocked, how could they do this when I followed the law by the book. I scoured the internet court dockets and decisions, not finding anything. So this morning I called the court clerk and told her what happened. She ran the court case number and told me NOPE, no judgement. No Default, and NO court date. Zwicker had lied to me in yet another attempt to extort money from me.

I had already called the FTC and OCC early in the drama, today I updated my complaint. They will take action if they get enough complaints from consumers! So please call the FTC and tell them your story, file a complaint. They really do listen and take your report, making note of violations of Federal laws. You can also file a complaint online at www.ftc.gov

Tell the FTC!
carmichael, California
U.S.A.

This report was posted on Ripoff Report on 08/01/2007 05:07 PM and is a permanent record located here: http://www.ripoffreport.com/r/LVNV-Funding-Zwicker-And-Assoc/Pasadena-California-91101/LVNV-Funding-Zwicker-And-Assoc-ripoff-False-accusation-of-debt-intimidation-frivolous-co-264653. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment

Info. vs. Zwicker

AUTHOR: HannaH8R - (USA)

See below for info. on where to look for sample do-not-call letters vs. Zwicker, and how to fight Zwicker lawsuits and WIN (feel free to post on here too for more info.):

Info. for fighting Zwicker lawsuits: http://www.beatdebtcollectors.com/Zwicker   consumer complaints and blogs:  http://nextlevelunlimited.net/blog/stop-collection-agency-harassment-from-zwicker-and-associates/  http://www.ripoffreport.com/Search/Zwicker.aspx  Submit a Georgia (or search for your state bar site) bar complaint vs. Zwicker attorneys:  http://gabar.org/contact_the_bar/
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#2 Consumer Suggestion

Good luck........in your fight for justice against the mobsters. ....see below for legal resources

AUTHOR: Nathan - (U.S.A.)

I wish you the best in fighting the mobsters. They lie cheat and commit perjury in court for the sake of obtaining their judgment.

I would try to tape the conversation with these mobsters . A super great site for legal advice etc. is debtorboards.com. It may be able to help you to talk with rottie or flyrfr in putting a stop and suing these clowns.

I am not an attorney. This is not legal advice.

good luck to you

Keep on fighting these drug using idiots
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#3 Author of original report

LVNV-Northland-Resergence-Brachfeld ripoff cycle appears to have ended finally

AUTHOR: Tell the ftc! - (U.S.A.)

After receiving calls from Brachfeld and Associates, telling me they were preparing a lawsuit against me for non existant past due debt from over 9 years ago, I faxed them a cease contact cover letter along with my pristine credit reports with my private account numbers whited out to show that I didn't have any entries from that old bank anymore since statute of limitations had run out. I also had one page on Experian showing the bank name, which no longer exists (First USA was absorbed by Chase apparently).

It was so old that when I questioned Experian about it, they deleted it even though it was a positive item, never late and zero balance, closed. I also faxed them my dismissed court case from LVNV who had attempted to sue me (trying to force me into mediation or arbitration... don't trust them!!. I also told them I had filed complaints with the FTC, OCC (office of comptroller and cash), and I also had installed a tape recording device on my phone to capture any more threats, name calling and federal violations for the attorney general. Hopefully now it is finally over. I've had no more calls for a whole month!!

If you are right, stand your ground, keep records of every call you get, file a complaint with the FTC and the OCC and also call the Freedom of Information Act folks you can get 100 pages free.. complaints on the company that ripped you off. First page be sure you get the total number of complaints. The other pages will be samples of complaints.
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#4 Author of original report

LVNV-Zwicker-Resergent capital-Brachfeld

AUTHOR: Tell the ftc! - (U.S.A.)

Update to the lawsuit filed by LVNV funding, (claiming I owed First USA bank credit card) which they had dismissed at the courthouse Sept 19. The next day they passed the account on to Northland collection agency. I told them the case was dismissed, they wanted proof so I faxed my Experian page showing zero balance, closed May 1994, the lawsuit dismissal form from LVNV-Zwicker, and the "proof of service" signed by their paralegal. Northland passed that information on to Resergence Capital in October, who sent me a note and a bill for over $9000. The note said they received my information and would look into it. Now I am being called by Brachfeld and Associates, who claim to be a law firm. I have not allowed them to speak to me. I just hang up. November I renewed my Fraud Alerts on my credit reports, and ordered copies to look over. There were no negative entries, but multiple inquiries from Chase Bank and First USA bank (one in the same, also Banco and Bank One). Also inquiries from several different collection agencies. I also called the FTC and they gave me the link to Freedom of Information Act, and I ordered from them reports of the number of complaints against LVNV Funding, number of complaints against Zwicker and Associates. There is a limit of 100 pages you can get free. LVNV had 955 complaints on file at the FTC as of 8/28/07 and Zwicker had 580 FTC complaints. The sampling of the complaints were on the same theme, intimidating collection practices, violation of Fair credit lending practices act and false information etc. Hopefully the FTC will take action soon.
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#5 Consumer Suggestion

File a criminal complaint

AUTHOR: Robert - (U.S.A.)

File a criminal complaint against them with your county DA's office.
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