Zwicker & Associates, P.C.

Well they are a collection agency or sorry collection lawyers for companies like Discover, American Express, and Diners Club. Why 4 stars? Like who rates a collector 4 stars? Well, my circumstances that led me to non payment were resolved. I contacted them to make payment arrangements. I paid my debt to discover over time and then I called in to settle the debt for one final payment. We went 3 rounds before we settled. End result I paid less than what I owed. I know, I know; credit wise that's still a negative. Welp, the account was reported as current with $0 balance and my score increased 30 points. My results may be unique, I don't know... I just say don't be afraid to contact them and negotiate. You don't have accept their offer; I didn't and they asked to give them a number. Then I asked for my credit to be updated to current paid. I got what I negotiated

Interviewed here. All the staff seemed really friendly and welcoming.