8772557341

Boy you sure do get a lot of debt collection calls.  Maybe you should start paying your bills.  What is this 10 or 15 different companies now?

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

ZWICKER & ASSOCIATES, PC

Web site gives no details, says they are mostly a debt collector, and gives a lame interpretation of the “mini-Miranda”, and list a bunch of offices in different states under employment opportunities:  http://www.zwickerpc.com/

BBB has multiple listings for them.  Massachusetts gives them an A+ with 20 complaints and 12 negative reviews with one paid for positive review (BBB removed 17 complaints and 7 negative reviews and now one paid for positive review so they could keep the A+ rating) as of 1/11/2022:  http://www.bbb.org/boston/business-reviews/at ... ndover-ma-19172

Connecticut gives them an A+ rating with 1 complaint and 1 negative review as of 9/21/20:  http://www.bbb.org/connecticut/business-revie ... eld-ct-87117518

Maryland gives them an no rating and has removed 1 complaint and has removed its listing as Andrew S Lerner as of 9/21/20:  http://www.bbb.org/washington-dc-eastern-pa/b ... rg-md-235979929

Michigan gives them No Rating with 0 complaints as of 9/21/20:  http://www.bbb.org/detroit/business-reviews/a ... roy-mi-90015513

Oregon gives them an C+ (down from an A+) with 1 complaints and 1 negative review as of 9/21/20:  http://www.bbb.org/alaskaoregonwesternwashing ... and-or-22691442

Note that the BBB’s seem to be listing different addresses for them as well, proof that this is a criminal organization

Massachusetts Board Of BAR Overseers info:

Paul Wade Zwicker
Zwicker & Associates P.C.
866-367-9942
80 Minuteman Road

Andover MA 01810-1031
Admitted to the bar on 12/21/79
Board of Bar Overseers number: 541660
Current status is Active     Full office addresses listed for Active, IHC, and 304 status attorneys only.
This attorney has certified that he or she is covered by professional liability insurance.
This attorney has no record of public discipline.
Paula A. Zwicker
Zwicker And Zwicker Law Office
508-697-5848
92 Pleasant St

Bridgewater MA 02324
Admitted to the bar on 06/23/08
Board of Bar Overseers number: 671558
Current status is Active     Full office addresses listed for Active, IHC, and 304 status attorneys only.
This attorney has certified that he or she is covered by professional liability insurance.
This attorney has no record of public discipline.

Maryland BAR Association Info:
Andrew Scott Lerner
Member
Zwicker & Associates PC
Fl 2
948 Clopper Rd
Gaithersburg, MD  20878-1366
Montgomery County
Email: alerner@zwickerpc.com
Telephone: (301) 355-7400
Fax: (301) 740-9322

Bar Admissions
Member Admitted (DC Bar): 07/10/1998
Member Admitted (MA Bar): 08/05/2004
Member Admitted (MD Bar): 12/17/1997
Member Admitted (VA Bar): 01/14/2004
Member Admitted (WV Bar): 11/09/2004

Practice Areas
Landlord/Tenant
Litigation/Plaintiff

Massachusetts Dept. of State info:
ID Number: 043131560

Summary for:  ZWICKER & ASSOCIATES, P.C.
The exact name of the Professional Corporation:   ZWICKER & ASSOCIATES, P.C.
The name was changed from: ZWICKER AND ASSOCIATES, P.C. on 10-08-1999
Entity type:   Professional Corporation
Identification Number: 043131560     Old ID Number: 000372404
Date of Organization in Massachusetts:   09-13-1991
     Last date certain:
Current Fiscal Month/Day: 12/31     Previous Fiscal Month/Day: 00/00
The location of the Principal Office:

Address:    80 MINUTEMAN RD.
City or town, State, Zip code, Country:    ANDOVER,   MA   01810   USA
The name and address of the Registered Agent:

Name:    WILLIAM H. HARRIS
Address:    80 MINUTEMAN RD.
City or town, State, Zip code, Country:    ANDOVER,   MA   01810   USA
The Officers and Directors of the Corporation:
Title    Individual Name    Address
PRESIDENT    PAUL W ZWICKER     24 APPLETON LANE BOXFORD, MA 01921 USA
TREASURER    PAUL W ZWICKER     24 APPLETON LANE BOXFORD, MA 01921 USA
SECRETARY    PAUL W ZWICKER     24 APPLETON LANE BOXFORD, MA 01921 USA
CEO    JOHN TWITE     80 MINUTEMAN ROAD ANDOVER, MA 01810 USA
CFO    RONALD LEVENSON     80 MINUTEMAN ROAD ANDOVER, MA 01810 USA
DIRECTOR    PAUL W ZWICKER     24 APPLETON LANE BOXFORD, MA 01921 USA
DIRECTOR    BRYAN D ZWICKER     1263 COMMONWEALTH AVE, APT 4 ALLSTON, MA 02134 USA
DIRECTOR    KAREN D WASHINGTON     4603 CHRISTENBURG HILLS LANE CHARLOTTE, NC 28269 USA

ID Number: 043131560

Summary for:  ZWICKER & ASSOCIATES, P.C.
The exact name of the Professional Corporation:   ZWICKER & ASSOCIATES, P.C.
The name was changed from: ZWICKER AND ASSOCIATES, P.C. on 10-08-1999
Entity type:   Professional Corporation
Identification Number: 043131560     Old ID Number: 000372404
Date of Organization in Massachusetts:   09-13-1991
     Last date certain:
Current Fiscal Month/Day: 12/31     Previous Fiscal Month/Day: 00/00
The location of the Principal Office:

Address:    80 MINUTEMAN RD.
City or town, State, Zip code, Country:    ANDOVER,   MA   01810   USA
The name and address of the Registered Agent:

Name:    WILLIAM H. HARRIS
Address:    80 MINUTEMAN RD.
City or town, State, Zip code, Country:    ANDOVER,   MA   01810   USA
The Officers and Directors of the Corporation:
Title    Individual Name    Address
PRESIDENT    PAUL W ZWICKER     24 APPLETON LANE BOXFORD, MA 01921 USA
TREASURER    PAUL W ZWICKER     24 APPLETON LANE BOXFORD, MA 01921 USA
SECRETARY    PAUL W ZWICKER     24 APPLETON LANE BOXFORD, MA 01921 USA
CEO    JOHN TWITE     80 MINUTEMAN ROAD ANDOVER, MA 01810 USA
CFO    RONALD LEVENSON     80 MINUTEMAN ROAD ANDOVER, MA 01810 USA
DIRECTOR    PAUL W ZWICKER     24 APPLETON LANE BOXFORD, MA 01921 USA
DIRECTOR    BRYAN D ZWICKER     1263 COMMONWEALTH AVE, APT 4 ALLSTON, MA 02134 USA
DIRECTOR    KAREN D WASHINGTON     4603 CHRISTENBURG HILLS LANE CHARLOTTE, NC 28269 USA

Bizapedia has them listed in many states, including California, but it doesn’t come up in the official web site under that name:  http://www.bizapedia.com/company-search.aspx? ... ciates.&c=&spn=

[ It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

Also file a complaint with the Massachusetts Consumer Affairs and Business Regulation:[/u][/i][/b]  http://www.mass.gov/ocabr/government/oca-agen ... -complaint.html

And the Massachusetts AG office:  http://www.mass.gov/ago/

Also file a complaint with the Michigan Dept. of Licensing and Regulatory Affairs: http://www.michigan.gov/documents/lara/LCE-992_474650_7.pdf

Also file a complaint with the Minnesota Dept. of Commerce:http://mn.gov/commerce/consumers/file-a-complaint/index.jsp

\Also file a complaint in Connecticut here:  http://www.ct.gov/dob/cwp/view.asp?a=2235&q=589270

Also file a complaint with the BAR association in your state.

Debt collector. Left a different number to call back, 800-397-5426.