You do not have to tolerate harassment from Zwicker and Associates or any debt collection agency. Repeated or excessive phone calls, especially at inconvenient times, may be considered harassment under federal law. Collectors are also barred from making false threats about lawsuits, wage garnishment, or arrest. Another major red flag is the lack of written debt validation. By law, Zw... https://protectionforconsumers.com/stop-zwicker-associates-debt-collection-harassment/