Zwicker And Associates after 4 years (Help)

Hi Mike,

As you are not sure about the credit card debt, you can send a letter to the agency, who has called you, to justify their demand, because debt validation is your legal right.

If they send you some written document showing some valid proof that you really owe the debt, mentioning all the details of the account, then only you need to pay back the amount.

You can also define the mode of communication as you like and they are bound to follow your choice according to fdcpa.

The following links can help you to know more about your rights to deal with collection agencies ???

http://www.debtconsolidationcare.com/validation.html

If you have any more questions, please ask in the forums.

Regards
Bryan

Hi Mike,

Welcome to the forums. You can pull your latest credit report from the three bureaus and confirm about this account. I believe that this account will not appear in your credit report as you have mentioned.

Most of the times, the collection agencies end up contacting a wrong person while trying to recover a debt. Though calling a person for valid reasons is not restricted as per the fdcpa law, but it becomes illegal after you have mentioned that you are not the person they are trying to contact.

Please ask them to validate the debt which will prove if they are having your accounts on legitimate reasons. They are required to identify the following points in the said debt:

• The details of the account.
  
  
• All the calculation should be shown of the amount that is owed.
  
  
• Any copies of the papers to be furnished that shows the payment agreement.
  
  
• Provide a verification or copy of any judgment if applicable
  
  
• The original creditor needs to be identified.
  
  
• The Statute of Limitation needs to be proven for the collection of the debt.
  
  
• The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent
  
  
• Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
  
  
• Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
  
  
• A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.