Zwicker & Associates Debt Collection Complaint

Zwicker & Associates Debt collection department,

Credit card Taking/threatening an illegal action Attempted to/Collected exempt funds Arizona

I made contact with Zwicker and Associates on -/-/15 to discuss the - - bill they are handling to see what our options were. We were served with a summons in -/-/- and sent in our answer and instead of going through the courts we wanted to see if we can rectify the matter outside the courts. We talked to a collector I believe his name was - and when I proceeded to tell him our income situation ( primary holder got laid off in -/-/- at the time the payments stopped and hes now on unemployment, spouse works part time and expressed we get help from family to keep a roof over our head ) we offered we can do $50.00 a month till our situation gets better. He said he can do the balance in - parts over - months, I advised we are not able to raise that kind of money due to our current situation. When we told him that he proceeded to tell us that they will collect this with a involuntary payment and when I asked him what that meant he said


involuntary payment '' and I kept asking him what that meant because we offered payments and they refused to set up any arrangement on the payments we offered, so what is the involuntary payment mean? He said I dont know how that works in your state again ''. We asked to speak to someone who knew what that meant and a - - a manager, we asked him what they meant by involuntary payments '' he said the courts will determine what that is..and said he didnt know the laws in our state. They currently do not have a judgment against us and we have not been to court so referencing any legal action, involuntary payments and not accepting what we offered this is illegal. Thank you for your time in this matter.