Comments on: Congratulations, Your Account is in Collections!

By: Elle

Elle — Wed, 04 May 2011 01:48:36 +0000

Chase Credit Card sends their dogs Zwicker and Associates as a collection agency. They are well known for their threatening tactics and unwillingness to settle the debt or to come up with a reasonable payment plan (Google Zwicker and Associates ). I am currently in dispute with them. They have called me and my husband over 17 times at our jobs despite our cease and desist letter. What should we do at this point? they are also threatening wage garnishment and placing a judgment against our home.

By: Kristy Welsh

Kristy Welsh — Mon, 28 Mar 2011 21:30:57 +0000

Always start with a debt validation letter. An attorney acting for a credit card company is covered under the Fair Debt Collection Practices Act. The worst that could happen is that they won’t respond.

By: Nancy

Nancy — Mon, 28 Mar 2011 21:15:59 +0000

I received a letter from an attorney in NC saying he had been retained by citicard to collect the amount in full or I could request validation of the debt within 30 days. What should I do? I only have 2 days left to reply. Should I request a debt validation. Exactly how should I reply to them as I don’t have the money to settle the debt. What is the best way for me to prevent a lawsuit. This account has never gone to a CA.

By: debbie

debbie — Mon, 31 Jan 2011 21:59:33 +0000

ive had an office contact me that i think are lawyers concerning chase credit card account i havent been able to pay on.when they called i told them i could pay 50.00 month till i could pay more and they wouldnt even consider it.At this time thats all i can pay but their wanting to know when i do my taxes and when my husband gets paid and copies of his pay checks to determine what we have to pay.Can they do this?they threatning to put leins on assets seize my bank accounts and garnish wages.What should we do?