Has anyone had success sending a debt validation letter to Zwicker or any other debt collection agency? I’ve read that if a collector can’t provide certain info about the debt, it gets dropped. Is that true? Would love to hear any experiences, especially with Zwicker.
I used to work as a debt collector. Most agencies don’t actually buy debt—they collect on behalf of the original creditor. But when a company like Zwicker buys debt, they usually get the info they need to validate it. It’s rare they can’t.
@Reese
Validation can mean almost anything. For debt collectors, it’s just proving the person knows about the debt. They also use validation requests to confirm your address, which can help them file lawsuits. I usually skip sending these letters.
@Raven
I’ve worked in debt collection and as a paralegal for years. Validation helps confirm if the debt is yours. It can also reveal mistakes, like confusing you with someone else or showing the debt was already paid. It’s useful to avoid scams or errors.
@Reese
If you know the debt isn’t yours, just tell them. No need for a validation letter.
Raven said:
@Reese
If you know the debt isn’t yours, just tell them. No need for a validation letter.
Sometimes you don’t know if it’s yours or not. For example, I’ve had hospital bills I wasn’t sure about because I couldn’t remember the exact dates. Validation helps clear things up.
@Reese
That might happen in rare cases, but most people already know if the debt is theirs.
@Raven
I was worried about giving them my address by sending the letter. They’ve only called my sister and fiancé so far, not me. It seems like they don’t know my contact info. I thought sending the letter now might stop this before it gets worse.
@Xander
That’s exactly why you shouldn’t send it. You’re giving them your address, making it easier for them to sue you.
Raven said:
@Xander
That’s exactly why you shouldn’t send it. You’re giving them your address, making it easier for them to sue you.
They’ll figure out my address eventually. I’d rather deal with it now than let it hang over me. If they validate it, I can settle before it goes to court.
@Xander
Validation requests often speed up lawsuits. But I get that this is stressful. Good luck.
Raven said:
@Xander
Validation requests often speed up lawsuits. But I get that this is stressful. Good luck.
You’re right to want to address it. Ignoring debt collectors doesn’t prevent lawsuits, and not asking for validation can hurt you if they assume the debt is yours.
Zwicker will take you to court. It’s better to try setting up a payment plan with them.
Zwicker doesn’t buy debt—they work for original creditors. You can still ask for validation or dispute the debt, but think carefully about your next steps.
Zwicker doesn’t mess around. They’ll sue and they’re tough to deal with in court. It’s a hard situation.