These Predatory Companies Need to Be Shut Down Before They Ruin More Families Across the USA
THE MILLENNIUM REPORT: Reporting the Most Important News in the World Today
Zwicker & Associates:
Collection Agencies Are
Systematically Destroying Debtors
And Their Families
An Open Letter to the Trump Administration
Donald J. Trump
President of the United States
The White House
1600 Pennsylvania Avenue, N.W.
Washington, DC 20500
Dear President Trump:
We write to you today to relate a very, VERY sad story that takes place across America with increasing frequency and deleterious effects.
You often used the word “sad!” with great feeling and import over the course of the campaign season, as you still do today. What you are about to read is truly SAD, as it affects more of our fellow Americans by the day with great consequences.
Surely you are aware of the predatory tactics of collection agencies. Various state legislatures have ventured way across the line of ethics and reasonableness by empowering the worst of these agencies to literally shut down a debtor’s life, and especially their business.
In fact, states like Florida have enacted such draconian laws that they permit these agencies to completely lock down a debtor’s only checking and/or savings account, without any warning whatsoever. They can legally do this even to a “Head of Household” who has a wife and children relying on them moment to moment for their most basic subsistence.
What follows is the real-time experience of a family in Florida.
First, the head of household husband was practically bankrupted when the press published patently false reports about him. Then his health consultancy business went into rapid decline. Subsequently he was forced to stop paying his credit cards.
The wife has not been able to work since 1995 because of various medical ailments and disabilities. She requires a special diet and purified water, as well as her medicine to live.
In comes Zwicker & Associates out of Jacksonville, Florida (See Addendum below) who executes an unannounced hold on the husband’s bank account which contains his only funds available to pay the most basic bills. Immediately checks bounce, the utility bill goes unpaid, the mortgage payment can’t be met. With no access to any of their very limited funds, they can no longer buy food, water, or medicine. They can’t even buy gas for their car to go to the doctor or the store.
Then the Zwicker collection agency put an additional hold on his account for a total of $15,567.94 to satisfy a recorded civil judgment of $2304.47?!
Do you get the picture?
A predatory collection agency like Zwicker and Associates has essentially been given the license to ruin an entire family in a New York minute. And, they routinely engage in these immoral and predatory practices even when the head of household has full legal right to his or her income to pay the most basic living expenses.
This family in Florida is now waiting for a formal hearing, which they have no idea when that will be, so that the “Head of Household” exemption can be granted by a judge. In the meantime, the wife with Lupus is one moment away from an emergency room visit due to lack of medicine and her necessary foods and water.
With one cruel and inhumane action, Zwicker and Associates has totally ruined this family–a family that was already in desperate shape and living hand-to-mouth. Instead of using his time to make much-needed income, the husband is putting out financial fires, keeping his utilities connected and avoiding foreclosure. He is doing all of this in the midst of preventing his wife from becoming an inpatient at the local hospital.
Hopefully you now see the extreme lack of ethics and borderline criminality with which these firms operate. It should be immediately evident to you and your staff that the civil rights of this family have been profoundly violated by Zwicker & Associates.
It ought to be clear that their most basic human rights have been trampled—THEY CANNOT EVEN BUY FOOD, WATER AND NECESSARY MEDICINE. They are unjustly deprived of using their own hard-earned wages, which the state allows the debtor to possess and use even after a judgment has been taken.
Lastly, these predatory actions are conspicuously unconstitutional, as the Founding Fathers of this great nation would never have provided for such unjust and pernicious debt collection practices. With their constitutional rights also being transgressed, that makes three strikes and, therefore, these industry standard operating procedures should be significantly curtailed post haste.
Please bear in mind that families like the aforementioned do not have a single dollar to employ an attorney. Hence, in the midst of so much turmoil, they are forced to find their way through a legal maze and judicial system that has been entrenched for decades to serve the creditors—at any cost to the debtor, even their very lives.
Dear Mr. President, that’s the short story; the long story is much, MUCH sadder than anything you have heard, even on your long and tortuous campaign trail. For the tale of woe experienced by this single Florida family at the hands of Zwicker & Associates is nothing compared to the countless lives that the debt collection industry has totally destroyed and entire families who have been irreparably ruined.
In closing, may we say that there is one sure way to Make America Great Again: immediately suspend all state laws which permit the atrocious practice of locking down bank accounts of heads of household. How else to keep the family breadwinner in the position of keeping his/her family fed and housed so that they can get on with their productive life in the community…in order to assist with the noble endeavor to Make America Great Again.
Very sincerely,
Concerned Citizens for Crackdowns on Predatory Collection Agencies
P.S. We have taken the liberty of sending this open letter to those concerned officials within your administration. By week end, it will also be sent to every member of the Florida Legislature. An advocacy group is now being formed around this critical issue which will work assiduously to terminate every law that violates the constitutional rights, civil rights and human rights of citizens throughout the state due to bad debt collection law. Every flawed statute needs to be repealed asap, especially in light of the ongoing and ravaging 8-year recession.
Addendum
Referenced Collection Agency:
Zwicker & Associates, PC
10550 Deerwood Park Blvd #300
Jacksonville, FL 32256
Attorneys of Record: Ms. Christina Charlet and Ms. Ashley Paveglio
Attachments
Zwicker and Associates ‘ordered by a jury to pay $1 million’
Cc: Mike Pence, Vice President of the United States
Kellyanne Conway, Counselor to the President of the United States
Stephen K. Bannon, Counselor to the President of the United States
Ivanka M. Trump, Advisor to the President of the United States
Jeff Sessions, Attorney General-select
Jessica Rich, U.S. Bureau of Consumer Protection | Federal Trade Commission
Richard Cordray, Director, Consumer Financial Protection Bureau
Distribution list for the Trump Transition Team
Rick Scott, Governor of Florida
Pam Bondi, Florida Attorney General
Florida State Legislature
Mary Kelli Palka, Editor, The Florida Times Union
William Hatfield, Executive Editor, Tallahassee Democrat
Avido Khahaifa, Publisher and Editor-in-Chief, Orlando Sentinel
Aminda Marqués Gonzalez, Executive Editor, Miami Herald
Paul Tash, Editor, Tampa Bay Times
Lisa Nellessen-Lara, Executive Editor, Pensacola News Journal
BBB Northeast Florida and The Southeast Atlantic
Mark Wilson, President and CEO, Florida Chamber of Commerce
William J. Schifino, Jr., President, The Florida Bar
David Nelms, CEO, Discover Financial Services
Paul W. Zwicker, Esquire, President, Zwicker & Associates, P.C.
Ronald Levenson, CFO, Zwicker & Associates, P.C.
John Twite, Executive VP Operations/COO, Zwicker & Associates, P.C.
Robert W. Thuotte, Sr. VP, General Counsel, Zwicker & Associates, P.C.
Micheal Koziol, VP, Collection Operations, Zwicker & Associates, P.C.
Ms. Christina Charlet, Attorney of Record, Zwicker & Associates, PC
Ms. Ashley Paveglio, Attorney of Record, Zwicker & Associates, PC
—
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Whistler Blowers, Insiders
there goes free market
Free Market?
Hahaha
Good joke.
If only people knew that there is a remedy for everything out there.
Every problem has a solution.
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The Hard Truth, The Silicon Valley Sultans, (SVS) are stealing your most private Information, Now even Your Private Banking Info.
They lead the Mass Public to believe they have security settings on their Computers, and Smart Devices. No, you do not have control over your security settings, it is just the Opposite. The SVS with most of the new Operating Systems, have Illegally hidden programs deep within your systems to have full control over your devices.
Even if you work hard setting up your security settings, the SVS sends your device a Security update/Patch that will deactivate all your security settings, and in a blink their Web-Bots steal your Private Info.
Warning********
The SVS are a Total Threat to National Security, Congress Needs to Call an Emergency session Yesterday was too late.
Here’s the situation, this is a symptom, not the issue. There wouldnt be predatory debt collectors if subprime lending (lending to people with low income, poor credit etc) wasnt needed. If you don’t like the rules, don’t play the game.
Your answer is not technically proper.
You see, there are many variables to how this all works and even in how the currency works for most people think Federal Reserve Notes has some intrinsic value, but it’s all an illusion of value and as long as the perception of value is what people think it is, then it operates that way.
What I mean here is that since measured Gold and Silver specie was removed from the backing of the American currency, the only value they can attach to the currency is based upon the aggregate value of the productive energies of the people. More or less, the Federal Reserve Note is backed by the amount of income taxes generated to pay a portion of the interest owed to private bankers and their investors including: the Crown and the Vatican and the members of the Federal Reserve oligopoly.
Income taxes does not go to schools or bridges or anything other than the interest on the national debt.
When you use Federal Reserve Notes to pay off a debt, you are not technically paying off a debt because that Federal Reserve Note is a unit of debt in itself. More or less, you are paying a debt with a debt instrument which is known as “discharging the debt” or is also known as a “novation.”
Therefore, when you discharge a debt, the federal reserve notes (FRN) are still flowing through the currency which means that FRN is being used to discharge another debt and so forth.
Federal Reserve Notes are nothing more than a promise to pay or a promissory note.
Now, if you really want to know how this all works, then look up how fractional reserve banking methods work and there alone will show you that there is far more sinister things happening than people will ever realize.
What I have discovered is that most people have no clue how the economy works, how the currency works, how the political system works, and how law works. How can people improve their situation if they do not have a fundamental awareness of the above-mentioned systems?
Sometimes the lender and th collector share the same office space. That’s how screwed up these demons are. And don’t blame the poor shnook up the street whose just been handed a blank check by the lender. He doesn’t understand the dance he’s been Invited to. Doesn’t understand compound interest etc. Frugal people get caught up in the same web. The lenders know what people will or can or won’t do. They have actuarial people crunching numbers, psychologists profiling customers, statistics upon statistics upon statistics to back up their business models and if they screw up too bad they go and whine to their congressmen for bail outs. They wouldn’t offer you credit, insurance or anything else if they didn’t believe they had you by the balls.
Put this up on a ‘Go Fund Me’ page and watch the money roll in to help this family!!!!
I bet my hard earned money this wouldn’t net them more than $300
Well, if you know anything about the Fair Credit Reporting Act and how the industry works, you wouldn’t need to contact Donald Trump for support for there are already laws in place to handle this.
I am not offering legal advice or any power of attorney or implied trust relationship. Learn how the system works and the power of “Cease and Desist” notices (on the phone or by mail).
All collection companies are committing fraud for they are not an original charging party to a debt. This means that you never had any contract with them unless you agree that you owe that debt with them. They play lots of games to trick you into consenting that you owe them.
1. When these fraudulent companies call, you do not have an obligation to give them your name or agree to that name or any name.
2. Prior to accepting any name, ask who is calling.
The collection company usually asks again for if this is, for example “is this John Doe I’m speaking to”
3. Stay persistent and keep asking them to disclose who they are prior to agreeing to a name or granting a name.
4. When they finally say they are with XYZ collection company, they will again ask if this is, for example, “John Doe”
5. If the name is your name or someone in your family and if you know you have never done business with them before, just tell them that according to your records, you do not see any contractual obligations with their company and they must have mistaken for in order to have an obligation with them, there must be a contract. Then, let them know to “Cease and Desist” in all future contact and to send a letter to that location that they have in their records which will provide a record of their tax ID # and their surety bond number.
Do not engage in any conversation over your address, name, amount of alleged debt, original creditor, social security numbers, or any other information whatsoever. Do not talk about your family problems or financial problems or any excuse. Just stay focused on the suggestions provided.
If you have already agreed to any debt and started paying them or any other situations where they are bothering you, I can provide some help for donations, but it is important that you not only follow the suggestions exactly how it’s given and not take any shortcuts or let other people give their two cents because most people do not understand what’s going on and they act like they are experts and I also take donations for my time and energy for providing this support. You also must do your due diligence to researching all information I provide and never take anything for granted. You are the one who is going to make the calls or send the letters for you will be 100% responsible.
You can email me at [email protected]
signed, without prejudice
Yes, you are correct on all this.
This is what i tell them when they ring but i am an Australian….all ID comes from your birth certificate.
I’m a 3rd party a representative for the crown any and all debt created by the said piece of paper is to be paid by the crown can you please forward the bill to the scum of the planet…
just say your “”stressing me out do not ring again”". one phone call one letter can create enough stress and anxiety for a law suite…
especially if played well…..
the slippery slide to life pen in one piece of toilet paper birth certificate in the other signing and submitting to all that have come before… f*** you all….
how about stopping Big Pharma? their dangerous products KILL over 100,000 Americans each and every year, when used as prescribed!
We need big pharma to cope with all the CC debt we have and all the calls from collectors…
naaaah, a little weed will sort that out
The USA is a fascist country. That means there is collusion between corporate interests and the ruling political structure to screw the little guy. This must be broken up.
But the worst is the MSM.
THE 4th ESTATE IS A FIFTH COLUMN!
If it is not destroyed, we all may well be destroyed by it.
Actually the USA is a mixture of socialism, communism and fascist agendas.
The only ones who are immune from this are people like myself who do not claim to being U.S. citizens but are actually Citizens of one of the several States of the United States of America.
These types of citizenships are not the same and this is who most people are confused about what’s going on. Read the Slaughterhouse cases and you shall see there is a clear distinction between these types of Citizens/citizens and then go to http://www.NativeBornCitizen.com to learn more. Or go to that website first and review every single “White Papers” for they are well cited and are evidence of what’s going on.
Stop giving your authority to another to represent you for when you give your power away, you have no power.
How about you stop purchasing needless crap with your multiple credit cards and accepting credit terms with ridiculous interest rates.