If you owe people money and are receiving phone calls from debt collectors, you’re not in a good place in life. You may even want to avoid answering the phone altogether. However, while the last thing you may want to do is talk to a collector, it’s better to face up to it. In fact, doing the contrary may put you in a worse situation. Here’s why you should not ignore a call from Zwicker and Associates, one of the leading collection firms out there.
Can You Tell Me More About Zwicker?
Having crippling debt, and getting collections calls, to boot, can be extremely stressful. But it’s Zwicker’s job to collect debts, and if you legitimately owe, know that they’re intent on doing so. Because they’re also a law firm, they also won’t hesitate to sue you — if they can. It could be that the statute of limitations has expired, which would preclude such a lawsuit, or the collection procedure is in error.
What to Do if You Get a Call from Zwicker and Associates?
If Zwicker and Associates contact you, the first thing you should do is ensure that they are contacting you about a debt that you do owe. Never accept responsibility for a debt until it is verified in writing. Remember, the burden is on them – not you. Also check to see what the statute of limitations is in your state, and for what kinds of debts.
If the debt is indeed yours and is within the statute of limitations for collections, you may want to negotiate a settlement for your debt. After all, Zwicker and Associates are made up of human beings, who understand that things happen. They also would rather get something rather than nothing.
Zwicker and Associates not only offer various repayment options for your debt but also provide you with a variety of ways to pay. If you would like to set up a payment plan, create a settlement plan, or make a payment, you can visit the payment portal and log in with your File ID and your zip code.
To learn more about your options consider a credit card relief program with a company like Freedom Debt Relief
You Do Have Legal Rights
If you receive a phone call from Zwicker and Associates, there are many reasons why you should not ignore the call. While Zwicker is representing their clients to whom you owe money, they want to help you as well in the process.
You do have rights under the federal government, so there’s no reason to just fold. However, if you do owe and you know it, the debt has probably been hanging over your head for some time now, creeping into your happiness. While your instinct may be to run and hide, it’s best to face the music now before things get worse.
They certainly won’t get better by ignoring collectors. Trust us, they aren’t going away. They will hound you as much as possible to get what’s coming to them. However, if you do not settle your debts with them and your statute of limitations has not expired, keep in mind that you may be legal repercussions, including a lawsuit.
Your best bet when receiving a call from Zwicker and Associates is to pick up the phone, speak with one of their representatives, then settle your debts through a payment plan or a credit card relief program. If you need professional help with your debt, contact Freedom Debt Relief. The debt settlement agency can put you on the right path to a debt-free life.