Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
State Of Florida Case Number ; XXXX Division XXXX Plaintiff ; Zwicker & Associates XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX, Florida XXXX XXXXXXXX XXXX XXXX own policy cited on their webpage, as follows ; " XXXX offers forbearance and loan forgiveness in the event of the primary borrower 's death or permanent XXXX. '' XXXX is willfully in violation of their own formal loan forgiveness policies attempting to forcefully collect on exempted funds by State of Florida Statute and Federally exempt VA veteran XXXX and Social Security Retirement law. And refusing to acknowledge the fact that the card holder/defendant is a Veteran Administration100 % permanent and total XXXX war veteran outpatient since XX/XX/XXXX. The courts and XXXX 's attorney in a timely manner were supplied with printed documentation evidence as proof of permanently XXXX status which was blacked out of all court and civil procedures. And criminally disregarded by all involved to date causing compounded pathological injuries to a 100 % XXXX outpatient with intent to induce further trauma.. Many attempts have been made to XXXX XXXX XXXX XXXX to clarify demand to collect upon " exempt '' XXXX Veteran Benefit and minimal Social Security Retirement benefits living singe, age XXXX, XXXX XXXX, month to month. Any and all defense documentation in XXXX XXXX XXXX XXXX XXXX XXXX was verbally and technically dismissed by the judges involved blacking out the compelling fact the defendant was a Veteran Administration 100 % rated XXXX war veteran and not acknowledging sole source income was " exempt '' from collections by Federal and State of Florida Statutes previously cited here. XXXX refuses to uphold their own loan forgiveness policy cited on their own internet page as follows : " XXXX offers forbearance and loan forgiveness in the event of the primary borrower 's death or permanent XXXX. '' As a 100 % rated XXXX service connected permanently XXXX war veteran surviving on diminished benefits since XX/XX/2010 XXXX is obligated to recognize their own policies and formally dismiss and withdraw XXXX XXXX Florida XXXX XXXX demand to evade arrest for ongoing perpetrated criminal violations administered against a 100 % Permanently XXXX war veteran and do so without further delay. XXXX 's CFPB agent " XXXX '' who responds to CFBP promised no further cooperation with CFPB complaints will be entertained as she determined their collections methods were legitimate when the fact exposes the contrary as they continue with willful criminal intent against XXXX 's own formal polices. Also noting the original terms of the two party credit card application agreement became null and void when XXXX 's Attorney modified and altered the XXXX party unsecured loan contract into a single party defeating the terms of the original contract in an attempt to convert a unsecured loan XXXX party agreement causing the contract null and void and dismissible in court. In trial ZOOM when all the defendant 's motions and documents were suddenly and verbally dismissed as to conceal in an unorthodox overbearing procedure whereas exempt income and XXXX status was obscured causing a non-jurisprudent decision perhaps pre-biased XXXX XXXX XXXX XXXX. And again in Final Judgment all defense documents were " blacked '' out and rendered obscure by XXXX XXXX XXXX. In both instances while defendant appeared on time the trials were treated equivocal to a default " no show '' judgement for the plaintiff in error. 
Exemption of XXXX Income XXXX income benefits under any XXXX insurance policy are exempt from collection under Section 222.18 of the Florida Statutes. The exemption includes health, life, and accident XXXX insurance proceeds.

Company response to consumer: Closed with explanation