We need help with Zwicker and Associates. They represent Discover Card. We have tried complaing to Discover Card and have only be turned back over to Zwicker. Both Discover Card and Zwicker are saying they will not settle for less than the full amount. We offered 70% and the flat turned us down. We don't want sued but are trying to get the best deal possible. We are just now between 3-4 months past due. The one thing we were told was that Zwicker was only representing Discover Card. Discover Card says they still own the debt????? If any one has experience please let us know.