Well, well, well....received a call from Zwicker & Assoc.

[calgirl67]

OMG.. what scum bags. I DV'd them and we never heard from them again.

The truth us they cannot sue everyone, it costs on average $900 just to file suit in my county. When taken into account the collections agency work, attorney's time reviewing account, preparing suit papers, legal secretary going to courthouse and filing, filing costs, etc. They want to make sure they can get their investment back.

AND they count on the fact that most people don't answer the suit, and they win a default judgement. I would answer, right before the 30 days is up...

[albacore44]

Yeah, I had them for one of my cc accounts too (I think it was my AMEX acct). Anyway, they are relentless, they will call, threaten and bug the heck out of you!! I never picked up the phone, but I would listen their messages One message at the begining did have me a little scared (male voice)...it went something like this: "Okay, Ms. Liz417, the GAME IS UP, YOU NEED TO CALL ME @ xxxxxx by 8pm tonight, I will be waiting for your call...if you decide NOT to return my call, I will have no other choice but to file the paperwork I have in front of me with the courthouse on Feb. 2nd (which was that Monday). We are done with your games and want to speak with you personally!"
I ignored the call....went another year without paying...nothing happened

great story Liz. calling my Mother-in-law who lives in the back house is what pisses me off. she knows what is going on, and she just told them she doesn't know us.

[DownNotOut]

They called today a 5:07 am...........sheesh.

What????? I can't even believe they're at work that early! Maybe you should start keeping track - all those early calls are violations!

[DownNotOut]

Yeah, I had them for one of my cc accounts too (I think it was my AMEX acct). Anyway, they are relentless, they will call, threaten and bug the heck out of you!! I never picked up the phone, but I would listen their messages One message at the begining did have me a little scared (male voice)...it went something like this: "Okay, Ms. Liz417, the GAME IS UP, YOU NEED TO CALL ME @ xxxxxx by 8pm tonight, I will be waiting for your call...if you decide NOT to return my call, I will have no other choice but to file the paperwork I have in front of me with the courthouse on Feb. 2nd (which was that Monday). We are done with your games and want to speak with you personally!"
I ignored the call....went another year without paying...nothing happened

ROTFL! The "game" is up? What game would that be? The game where I HAVE NO JOB? What a bunch of tools! And how funny that you went another year without paying! Thanks for the story!

[albacore44]

got a new letter from them today. now they have 2 accounts. it's a Kohl's/Chase. Interesting, since I DV'd the first CA that had this account, LC Systems, about 3 weeks ago.

Funny how that works. You DV a CA, then they cant harass you by phone, so they send it on to a new tougher one. I'll bet this is the one they called on so early this morning.

[liboton21]

got a new letter from them today. now they have 2 accounts. it's a Kohl's/Chase. Interesting, since I DV'd the first CA that had this account, LC Systems, about 3 weeks ago.

Funny how that works. You DV a CA, then they cant harass you by phone, so they send it on to a new tougher one. I'll bet this is the one they called on so early this morning.

I got a letter today too stating,

" Please note that unless you dispute said debt, or any portion thereof, within thirty days of your receipt of this letter, this office shall assume the validity of this debt. Upon your written notification within such thirty day period that this debt,or any portion thereof, is disputed this office shall obtain verification of the debt or a copy of judgment, if any, against you and mail you a copy of such verification or judgment. ........Please contact so and so, one of our non-attorney account mgr.....

What should I do send a DV? Or retained my lawyer and start the BK7 process?

[albacore44]

I got a letter today too stating,

" Please note that unless you dispute said debt, or any portion thereof, within thirty days of your receipt of this letter, this office shall assume the validity of this debt. Upon your written notification within such thirty day period that this debt,or any portion thereof, is disputed this office shall obtain verification of the debt or a copy of judgment, if any, against you and mail you a copy of such verification or judgment. ........Please contact so and so, one of our non-attorney account mgr.....

What should I do send a DV? Or retained my lawyer and start the BK7 process?

I'm just going to send a DV. But if I were you, I would get my ducks lined up ro file. i have been Planning my BK for a year now

[DownNotOut]

got a new letter from them today. now they have 2 accounts. it's a Kohl's/Chase. Interesting, since I DV'd the first CA that had this account, LC Systems, about 3 weeks ago.

Funny how that works. You DV a CA, then they cant harass you by phone, so they send it on to a new tougher one. I'll bet this is the one they called on so early this morning.

I got my letter yesterday, too! It's the same thing here. I thought it must be for HSBC and it turns out that it's for a Chase account that I already DV'd , just like you. Two collection agencies in a month. Wonder what they will do when I DV this one?

The first CA was Integrity Financial - now isn't that a hoot? A collection agency named "Integrity"!

[DownNotOut]

I got a letter today too stating,

" Please note that unless you dispute said debt, or any portion thereof, within thirty days of your receipt of this letter, this office shall assume the validity of this debt. Upon your written notification within such thirty day period that this debt,or any portion thereof, is disputed this office shall obtain verification of the debt or a copy of judgment, if any, against you and mail you a copy of such verification or judgment. ........Please contact so and so, one of our non-attorney account mgr.....

What should I do send a DV? Or retained my lawyer and start the BK7 process?

This is just a typical collection dunning letter. They all say the same thing. Go ahead and DV them.

[Skipper]

This is just a typical collection dunning letter. They all say the same thing. Go ahead and DV them.

I received the same letter...

Do you know where I can get a sample DV letter? I have no experience in writing this type of letter.

TIA,

Skipper

[DownNotOut]

I received the same letter...

Do you know where I can get a sample DV letter? I have no experience in writing this type of letter.

TIA,

Skipper

Just google "sample debt validation letter" and you will get plenty of examples from very simple to very complex.

[Skipper]

Just google "sample debt validation letter" and you will get plenty of examples from very simple to very complex.

Thanks... Been a long day. I should have thought of that!

S

[GoingDown]

Oh, Zwicker! I have had trouble with them in the past. I usually don't send my cease and desist letters by certified mail, but with them, I advise it anyways. They ignored the first letter I sent by regular mail, but they stopped calling and I never heard from them again after they got my certified letter.

[liboton21]

I send the DV certified mail and they stamp denied return to sender.

[getmeoutofhere]

One Up

I will up you all one. Zwicker just filed suit against me. Using local attorney. Should be an interesting fight. I searched for the attorneys name online in my county and many of the suits are dismissed for lack of service. Seems that can't find their defendants LOL.

I will keep you posted