9786862255

They called me and i'm not even the age to even own a credit card or anything. I told the lady to [***] off the first time because i saw it was a unknown number. Moments later the [***] calls me back with the actual number and says again in higher voice *obviously pissed* "this is a recorded call" and i hung up. Blocked their number.

This bill has already been paid and they keep calling everyday. I want them to stop calling us.

Yup zwicler are dirt bags and everone. Who works for them are scum...im retired living on social sec.and they filed law suit against me . over a discover card..debt they bought for penney ona dollar
.

One of the zwicker idiot ..you got brain washed ..hope u choke on your paycheck

Zwicker [***] associates you  make millions on other hardship.u are scum of the earth .... Horrible human beings are what u are..

They keep calling

they don't stop

Fantastic response and very well written. :-) Thank you, EC!

Get a record from your bank of the payments for the $4,200.00 and then get a lawyer! That's my advice!  Good luck to you :-)

I do not have debts!

What do you mean they don't have an answer? Please inform.  Thanks.

The Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. §1962) is a federal law enacted in 1978 to protect consumers from debt collector harassment and abuse. The law clearly outlines collection practices that are considered unfair, abusive, and deceptive.

Who Is Considered a Creditor under the FDCPA?

The FDCPA defines a creditor as the person or entity that extended you the credit in the first place (original lender). Since the FDCPA is designed to protect debtors against third party debt collectors, it does not apply to an original creditor or its employees.

However, there is an exception to this rule. When collecting its own debts, a creditor will not be exempt from the FDCPA if it uses a different name that implies a third party is attempting to collect the debt.

http://www.nolo.com/legal-encyclopedia/what-i ... r-creditor.html

Know your FDCPA rights!
Whether you are receiving phone calls, letters, or have been sued, you have rights under the FDCPA. Even if you owe the debt and cannot pay it or dispute the amount claimed, debt collectors must comply with the law. Debt collectors are required to provide you with accurate information, produce proof of the debt upon request, and may never engage in intimidation or harassment.

Under the FDCPA, debt collectors cannot:

• Call you if you have told them to stop.
• Call you at all, once notified that you are represented by an attorney.
• Call your family, friends, co-workers, or anyone else to discuss the debt.
• Call you before 8:00 am or after 9:00 pm, unless you have granted permission beforehand.
• Call you at any time or place which is inconvenient for you to receive such calls.
• Harass you by calling repeatedly.
• When calling family or friends, collectors may only call once, and only to request information on how to locate you.
• Lie or falsely imply, in any communication, that the collector is a government agency, is serving you with papers, that you are subject to arrest, or that you have committed a crime.
• Provide untruthful information about the debt or the amount owed.
• Threaten to harm you.
• Threaten to seize your paycheck, bank accounts, or property.
• Use obscene language in communicating with you.
• Publish your name on a "bad debt list" (except to a credit rating agency).
• Fail to identify themselves as debt collectors in every communication.
• Demand your social security number, credit or debit card number, or bank account number.
• Fail to inform you that any information provided to them will be used to collect the debt.
• Attempt to collect a debt that is so old that it is beyond the statute of limitations, unless the consumer is told.

Debt collectors must give you the following information upon request:

• The amount of the debt.
• The name of the creditor to whom you allegedly owe the debt.
• A verification letter sent within five days of the first communication with the consumer.
  
  • The verification letter must explain that, unless the consumer disputes the validity of the debt (or any portion thereof) within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.
  • The letter must say that, if the consumer notifies the debt collector in writing within the 30-day period that the debt (or any portion thereof) is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. In turn, a copy of such verification or judgment will be mailed to the consumer by the debt collector.
  • The letter must say that, upon the consumer's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

https://www.ftc.gov/enforcement/rules/rulemak ... ctices-act-text

To file a complaint: https://www.ftccomplaintassistant.gov/#&panel1-1

Also file a complaint with your state's attorney general: http://consumerfraudreporting.org/stateattorneygenerallist.php
and the Consumer Financial Protection Bureau: http://www.consumerfinance.gov/complaint/

Sign up for scam alerts: https://www.consumer.ftc.gov/scam-alerts

Lots of helpful FTC links: https://www.consumer.ftc.gov/topics/credit-and-loans

Please inform?  The person you're replying to posted  5 years ago.

The Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. §1962) is a federal law enacted in 1978 to protect consumers from debt collector harassment and abuse. The law clearly outlines collection practices that are considered unfair, abusive, and deceptive.

Who Is Considered a Creditor under the FDCPA?

The FDCPA defines a creditor as the person or entity that extended you the credit in the first place (original lender). Since the FDCPA is designed to protect debtors against third party debt collectors, it does not apply to an original creditor or its employees.

However, there is an exception to this rule. When collecting its own debts, a creditor will not be exempt from the FDCPA if it uses a different name that implies a third party is attempting to collect the debt.

http://www.nolo.com/legal-encyclopedia/what-i ... r-creditor.html

Know your FDCPA rights!
Whether you are receiving phone calls, letters, or have been sued, you have rights under the FDCPA. Even if you owe the debt and cannot pay it or dispute the amount claimed, debt collectors must comply with the law. Debt collectors are required to provide you with accurate information, produce proof of the debt upon request, and may never engage in intimidation or harassment.

Under the FDCPA, debt collectors cannot:

• Call you if you have told them to stop.
• Call you at all, once notified that you are represented by an attorney.
• Call your family, friends, co-workers, or anyone else to discuss the debt.
• Call you before 8:00 am or after 9:00 pm, unless you have granted permission beforehand.
• Call you at any time or place which is inconvenient for you to receive such calls.
• Harass you by calling repeatedly.
• When calling family or friends, collectors may only call once, and only to request information on how to locate you.
• Lie or falsely imply, in any communication, that the collector is a government agency, is serving you with papers, that you are subject to arrest, or that you have committed a crime.
• Provide untruthful information about the debt or the amount owed.
• Threaten to harm you.
• Threaten to seize your paycheck, bank accounts, or property.
• Use obscene language in communicating with you.
• Publish your name on a "bad debt list" (except to a credit rating agency).
• Fail to identify themselves as debt collectors in every communication.
• Demand your social security number, credit or debit card number, or bank account number.
• Fail to inform you that any information provided to them will be used to collect the debt.
• Attempt to collect a debt that is so old that it is beyond the statute of limitations, unless the consumer is told.

Debt collectors must give you the following information upon request:

• The amount of the debt.
• The name of the creditor to whom you allegedly owe the debt.
• A verification letter sent within five days of the first communication with the consumer.
  
  • The verification letter must explain that, unless the consumer disputes the validity of the debt (or any portion thereof) within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.
  • The letter must say that, if the consumer notifies the debt collector in writing within the 30-day period that the debt (or any portion thereof) is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. In turn, a copy of such verification or judgment will be mailed to the consumer by the debt collector.
  • The letter must say that, upon the consumer's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

https://www.ftc.gov/enforcement/rules/rulemak ... ctices-act-text

To file a complaint: https://www.ftccomplaintassistant.gov/#&panel1-1

Also file a complaint with your state's attorney general: http://consumerfraudreporting.org/stateattorneygenerallist.php
and the Consumer Financial Protection Bureau: http://www.consumerfinance.gov/complaint/

Sign up for scam alerts: https://www.consumer.ftc.gov/scam-alerts

Lots of helpful FTC links: https://www.consumer.ftc.gov/topics/credit-and-loans

You might not be a scumbag but you sound like an arrogant ass. I had cancer and was out of work for over 9 month due to chemo. Once I was allowed to go back to work it took a while to find someone to hire me because I had been out of work so long. Until this happened I had outstanding credit and paid all my bills early. I have been working ever since to try and catch up but people like you with your attitude that you are better than every one else give honest collectors a bad name. You can't just lump all people in the deadbeat category without knowing the real story. And bragging about how much you make calling people that could be good honest people that had tragic circumstances happen to them makes you a low life [***].