Zwicker and Associates Sued Me Over an American Express Debt. – Dan

“Dear Steve,

Sued and judgement obtained by Zwicker and Associates over an overdue American express account. They have placed a judgement on my residence and have scheduled a court appearance for me to do interrogatories on Feb. 1st 2010 (They originally had a date in November but I could not appear). If I do not appear on Feb 1st the court could issue an arrest warrant.

I would like to work this out with them through a settlement as I have done with other card companies (I was out of work for 4 years after heart surgery, pace maker), but honestly after reading about Zwicker and Associates reputation I am afraid to contact them. Amount of debt is $13,000 which includes attorney fees, interest and other charges. My residence is in Virginia, but have recently been able to find employment in South Carolina.

What can or should I do about the interrogatory proceedings? I am afraid that once they have knowledge of my place of employment they will place a garnishee on my wages. I know it is illegal to release someone because of a garnishment, but the owner I work for would find another reason. Not only that I am finally getting a few things caught up and paid, if they take the legal overage it would devistate me again financially (income is in excess of $100,000).

I am aware South Carolina has a 100% protection against your wages for garnishment, but that is only for residents which I am not (I stay in South Carolina and drive home weekends). What can I do to get these people to work with me to settle this debt and not obtain a garnishment? Thank you for any help you might provide.


Dear Dan,

This is a situation in which you should not seek advice from just some internet site, you need specific legal advice to answer your questions and help you with this situation. An attorney will probably be a couple of hundred bucks but getting this wrong could be thousands and thousands.

See also  American Express is Not Being Reasonable and Won't Work With Us. - Bob

Find a local attorney that can help you ASAP.


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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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