Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (CO)

This complaint is specifically against Zwicker & Associates, P.C., Attorneys at Law.  Located at XXXX XXXX XXXX, XXXX, MA, XXXX. Tel : XXXX XXXX XXXX XXXX On XX/XX/2020 I contacted Zwicker & Associates, P.C. to arrange a settlement for my debt in the amount of {$3300.00}. This was agreed to be paid by XX/XX/2020. I requested a copy of the settlement letter in writing to be sent to me. Zwicker & Associates, P.C.  agreed to mail me a letter. On XX/XX/2020 I still had not received the settlement offer in writing and contacted their office. I spoke with XXXX XXXX who said they were notable to mail any letters because they were not working in the office due to COVID-19. I  explained to them that the previous conversation on XX/XX/2020 indicated only that the settlement letter would be mailed and no mention of not being able to mail a letter was ever relayed to me. They then told me they could only fax a letter to me and forced me to create an online fax number in order to receive the settlement offer. I've had multiple other places email me letters or mail hard copies, even during COVID-19, and Zwicker & Associates, P.C. refused to email me a letter or put a letter in the mail. They forced me to get a fax number. 

On XX/XX/2020 I mailed a check with a copy of the settlement letter to Zwicker & Associates, P.C. to their address at XXXX XXXX XXXX, XXXX, MA XXXX. The check was never cashed. On XX/XX/2020 I received a letter back from Zwicker & Associates, P.C. stating my check was being returned uncashed " per management '' with no other explanation. Also on this letter it states that any attachments sent with my check would be returned with it. I sent this check with a copy of the settlement letter and this was not returned. Also stated on this letter is " Colorado Residents : please read important notice on the back of this letter. '' There was no notice on the back of the letter. I believe Zwicker & Associates, P.C. has broken a law by not informing me of my rights as a Colorado resident. 

I called their office again on XX/XX/2020 to find out why they refused to honor the agreed upon settlement. I was told they can't accept anything which states " paid in full. '' My check does not say " paid in full. '' In the memo field I put the File ID #. Also, if they have stipulations against words on a check they need to specify that in the settlement agreement letter. Supposedly, according to XXXX XXXX, manager at Zwicker & Associates, P.C., a letter will be sent to me today stating they will honor the settlement agreement for {$3300.00} to be paid by XXXX, XXXX, 2020. I do not expect them to follow through with this in enough time for me to actually pay this debt according to the settlement amount. They have continuously created barriers to keep me from paying this debt per the settlement terms. They are essentially forcing me to remain in debt even though I have made every effort to settle this debt with them. I have followed through with my end of the settlement and they continue to disregard the agreed upon settlement and force me to fight with them. This is abuse. Forcing me to continue to deal with this after submitting a payment per the agreed upon terms for more than a month is abuse. They should not be allowed to abuse people, especially not when someone has made every effort to fulfill the terms of the settlement.