Zwicker & Associates: Who They Are and What to Do If They Contact You About a Balance

What Zwicker & Associates is

Zwicker & Associates, P.C., 80 Minuteman Road, Andover, Massachusetts 01810, with a mailing address at PO Box 9043, Andover. The BBB records the business as started September 1, 1981 and incorporated September 13, 1991, file opened June 1988, management Paul W. Zwicker, President, and John Twite, Chief Operating Officer, 686 employees. Rated A+, not BBB accredited. The BBB's one-line description: a law firm specializing in debt collections and litigation services for creditors. Phones on the profile: (978) 686-2255, (800) 370-2251, (866) 367-9942.

The firm has been a National Creditors Bar Association member since 2012. Its NCBA directory entry lists bankruptcy, commercial collections, credit cards, judgment enforcement and student loans. The BBB profile points to the Massachusetts Board of Bar Overseers and the Massachusetts Division of Banks as the relevant regulators.

What it is not: a funder, a lender, a factor, or a merchant cash advance provider. No Zwicker advance exists and no Zwicker factor rate exists.

Why a business owner hears from Zwicker

Zwicker's volume is credit card and consumer collection for large card issuers; the BBB's published reviews name the issuers involved. A business owner usually hears from the firm about a business credit card the owner personally guaranteed, a personal card, or, under the commercial collections practice, a commercial account a creditor has placed for suit. The letter identifies the creditor and the account, and that identification is the first thing to check.

Because Zwicker is a law firm, contact from it is one step closer to a lawsuit than a letter from a collection agency. The firm files suits in the creditor's name and enforces the judgments it wins. That does not mean a suit has been filed when the first letter arrives; it means the file is with people who can file one.

What the complaint record says

The BBB rating is A+, and the profile notes that customer reviews do not affect the letter grade. The reviews themselves describe aggressive collection on card balances. Read the record as a description of tone at a national card-collection practice of this size, not as a finding about your account.

What to establish from your own paperwork

• Which creditor retained the firm and for what account. The letter names both. If you do not recognise the account, say so in writing within 30 days of the first notice; for a consumer account the Fair Debt Collection Practices Act then requires verification before collection continues.
• Consumer or commercial. A personal card is a consumer debt with full FDCPA protection. A guaranteed business card can fall either way. A commercial receivable is outside the FDCPA, though Massachusetts and your own state's collection rules still apply.
• Whether a suit has been filed. Search your county's civil docket under your name and the business name. A letter on law firm paper is not a summons.
• If it is a merchant cash advance balance: unusual for this firm, but if the creditor named is a funder, pull the agreement, every debit, the reconciliation clause and the personal guaranty, and see how MCA debt relief works.

If a lawsuit has been filed

Answer before the deadline, usually 20 to 30 days from service. A default judgment for the full balance plus costs ends any negotiation and starts enforcement, which is one of this firm's listed practice areas. If served, see what to do when a creditor represented by Zwicker & Associates sues.

Can the balance be settled?

Often. Collection law firms settle within limits the creditor sets, before and after suit, and a realistic lump sum or a documented hardship is usually heard. For a guaranteed business card the negotiation covers the owner's personal exposure as well as the company's. See how a balance Zwicker & Associates is collecting can be settled.

Business Debt Adjusters reviews the agreement, the payment history and any letters or filings, and tells you what is realistic before you commit to anything.

Sources

• BBB Business Profile: Zwicker & Associates, P.C., Andover, MA (A+, not accredited, 686 employees, started 1981)
• National Creditors Bar Association directory: Zwicker & Associates, P.C. (member since 2012; practice areas)

Facts on this page were checked against the linked sources on September 23, 2026. Business Debt Adjusters is not affiliated with, endorsed by, or authorized to represent the company described.