Zwicker & Associates unconscionable, possibly illegal? Andover, Massachusetts

Paying Zwicker just makes it worse.  You should immediately cease all contact with them and send a do-not-call letter (see below).  They are a fraud.  They lose their lawsuits when consumers answer in time as they do not have any valid proof of their debts.  Pull your credit report.  Chances are you will get NO credit for anything you pay Zwicker, and you may end up being collected on by a 2nd debt collector for the same debt (even if you pay Zwicker 100%).

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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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Sample do-not-call/ validation letter vs. Zwicker:

Date:  July 4, 2011

Zwicker & Associates, P.C.
80 Minuteman Rd.
Andover, MA  01810-1008

Account number(s):  (See Enclosed)       
                       
RE:  Request for Validation of Debt, 15 U.S.C. 1692g

Dear Sir or Madam:

This is my formal notice that I am disputing this debt, and requesting immediate validation under Section 809 of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, of the debt from your office.  I am requesting that your office immediately send me a copy of the following documents: (a) the name, address, and phone number of an employee of the original creditor that can validate the debt, (b) proof of who is the current legal owner of the debt, and that you represent the original creditor or debt buyer, and (c) the original signed note, contract, credit agreement, or instrument creating the debt.

I am disputing this debt for the following reasons:  this debt has not been validated.  I do not know whether your debt collection company is the legal owner of this debt or not, or if the amounts charged are valid.

This is also my formal notice under 15 U.S.C. 1692c, to you to cease all further communications with me, my family members, and my associates and all third parties, unless I give you express permission to do so.  You have my express permission to mail me the requested validation documents to the address listed below, but I do not give you permission to contact me over the phone, or in any other way except as specifically addressed in this letter.
                    
This letter is not meant in any way to be an acknowledgment that I owe this money.


Sincerely,


John Doe
P.O. Box 0000
Atlanta, GA  30300