Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ZWICKER & ASSOCIATES (TX)

Zwicker & Associates has Zwicker & Associates, ( Z & A ) and their client XXXX XXXX was made aware of my financial hardship almost 9 months ago. During that time no accommodation for my ongoing XXXXXXXX XXXX  and subsequent XXXX, nor my other XXXX XXXX was taken into account Since XXXX I have been a member of XXXX XXXX and used the card for larger amounts than those claimed by Z & A or XXXX XXXX. This means I have had a XXXX  Credit history with XXXX XXXX for over 30 years, where I imagine they have significantly profited from my use of the card in the combination of interchange fees, interest and continued on time payments made by me. Instead of working to resolve this issue and in full knowledge of the conditions that prevented me from gaining employment, have filed suit against me, disparaging my credit history and putting at risk my security clearances necessary to my continued career. 

Moreover, Z & A Filed Suit while parallel pressing on collection calls. Using threatened legal action if I would not accept their payment terms, did not inform me of the time that they would file suit and eventually manipulated the court calendar to facilitate a default judgement, without informing me of the date or time of the hearing. This appears to be their practice and is both harmful and deceptive and uses the courts as a form of judicial extortion on the borrower. ( The default Judgement in XXXX XXXX Tx XXXX was on XX/XX/XXXX ) This is while I negotiated in Good Faith by keeping in regular contact with Z & A representatives handling this matter. 

No only has Z & A operated in a XXXX XXXX unethical and contrary to standards and practices allowed under the Texas law, they have failed to grant multiple requests for conferences with the firm, its attorney 's or other participants in the litigation in direct contradiction to the established rules for XXXX XXXX, TX, its courts and judicial procedural requirements. 

Their representatives continue to call on an almost tri-weekly basis and have been abrupt in many cases when asked about the details of legal action stating that they were " on the public record '' and discontinued the call without resolution or answers that would have enabled me to file a proper answer to the suit. Additionally Z & A has refused to provide me with proof of the debt or the accuracy of their claims in either lawsuits filed in XXXX XXXX TX. 

To make matters worse, now Z & A has filed a parallel suit for monies owed on another XXXX XXXX Account with similar general claims and a lack of supporting evidence and have stated to the court, when the case would have been Dismissed in Want of Prosecution ( DWOP ), that they intend to file for a default judgement, when I have no information to prepare an informed Answer to the lawsuit My credit rating has been decimated and the continuing threats of legal action amount to duress and oppressive practice by Z & A and their client XXXX XXXX