Higbee & Associates will go to court and fight for you.  We frequently find valid defenses and allow you to settle the lawsuit for much less than they are claiming you owe.   


Being sued on a delinquent debt is a stressful and confusing process. Trying to navigate a lawsuit on your own can be overwhelming and difficult. Don’t worry—Higbee & Associates can help. Our law firm is focused is on helping people get second chances, and our Consumer Advocacy division’s focus is on consumer rights, including credit card collection defense. We have experienced trained attorneys and staff who have successfully resolved thousands of debt defense cases nationwide.

Zwicker & Associates is a major national debt collection law firm that represents leading financial institutions, such as American Express, Discover Bank, FIA Card Services, N.A., and Target National Bank in mass debt litigation.

If you have been receiving debt collection calls from Zwicker & Associates, P.C., and their conduct violates the Fair Debt Collection Practices Act (FDCPA), you could sue them for money damages. If they call you or send you a monthly statements in an attempt to collect the debt, their conduct is governed by the Fair Debt Collection Practices Act and possible state laws as well.

Once you hire an attorney to represent you in your debt defense case collected by Zwicker & Associates, P.C. and we provide them our information, Zwicker & Associates, P.C. is no longer allowed to contact you in an attempt to collect the debt. They will be prohibited from sending you monthly statements in an attempt to collect the debt. They also cannot call your cellular telephone using an automatic telephone dialing system. The automatically dialed telephone calls, called “robo-calls”, invade your privacy and could violate the Telephone Consumer Protection Act (TCPA). The TCPA provides for $500.00-$1,500.00 in damages per call placed in violation of the TCPA. These auto-dialed cases can be very valuable to you. If you are receiving calls from Zwicker & Associates, P.C., answer the calls. Take good notes and call us today!


If you are currently being sued by Zwicker & Associates or fear that you are about to be sued for a credit card debt, we can help.


Higbee & Associates advocates for consumers. Our division’s entire team is exclusively committed to protecting your rights. We understand that in today’s economy, financial troubles can happen to anyone. We know you want to make things right but are struggling to make ends meet. That is why we strive to provide an easy, affordable, stress-free process to help consumers who have fallen into debt.

Higbee & Associates debt defense services includes the following:

  • Filing all court documents
  • Conducting the discovery process
  • Attending any and all hearings
  • Negotiating the best possible settlement for you
  • No Additional Fees if your case goes to trial
  • 95% of our cases have settled without a trial

We handle your entire case from start to finish for a flat fee, no matter how long it takes! Our debt defense attorneys are some of the best. Not only do we have over 50 years of combined experience, but we are passionate about fighting for consumers who are being hassled by large credit card companies.

Don’t trust just anyone to handle this for you–you need the experts at Higbee & Associates on your team, fighting for you! There are many debt settlement companies that pretend that they are affiliated with attorneys and run off with clients’ hard earned money. Higbee & Associates is a national law firm, thoroughly dedicated to helping clients get a second chance. We pride ourselves on our stellar reputation and top-notch customer service. We have earned the trust of thousands of clients through our successful handling of their cases, and we have earned an “A” rating with the Better Business Bureau for our zealous client representation. To read what our clients have to say about us, click here.


  • Have experienced attorneys handle your case from start to finish for one flat fee!M
  • Stop the constant harassment from creditors!
  • Help get you back on your feet and out from under all the debt!
  • You don’t have to go court in most cases! Our experienced attorneys will appear in court on your behalf!
  • Stop fighting with creditors and their attorneys – let us fight for YOU!

Hire Higbee & Associates, and you will receive the best representation the industry has to offer:

  • Top rated attorneys dedicated to your rights
  • Over 50 years combined experience in debt defense and civil litigation
  • Fully committed to your success
  • Flat fee pricing
  • “A” rated representation
  • Above and beyond customer service

Some other notable reasons are:

  • Value: At Higbee & Associates, we believe all individuals and companies deserve to receive high quality representation at an affordable cost. We offer flat-fee pricing with no hidden fees.
  • Technology: We use the most current cutting edge technology and legal resources to help us complete our cases more quickly. We have access to all the latest decisions that impact debt collection law, and have connections to industry experts.
  • Personal Service: At Higbee & Associates, providing high quality customer service is our top priority. We take our clients seriously, listen to their concerns, and advise them accordingly. We answer all phone calls and emails promptly, and treat our clients with the highest level of respect and professionalism.

Frequently Asked Questions

I am not sure I can repay my debts. Can you help me?
Yes! Should you need it, Higbee & Associates can present you options to take control of your financial situation.   Because we are a national, full service law firm, we are able to assess your unique circumstances and determine which financial relief option that works for you.

I am being sued by a creditor and I missed the deadline to file an answer. Can you still help me?
In most cases, yes.  But you have to act fast.    We may be able to file an answer before a default judgment is entered against you. Our dedicated legal team will research your case free of cost, provide you with your current status, and tell you what we can do to help.

There is a default judgment already entered against me. Can you still help me?
Yes! Call us! We may be able to set aside the default judgment depending on the circumstances of your specific case. Our dedicated legal team will research your case, free of cost, and provide you with a recommendation. In many cases, we can still help you.

I already filed an answer on my own. Can you still help me?
Yes! Call us! We can take over your case, amend your answer, and you will receive all the benefits of having Higbee & Associates represent you.

I haven’t been sued yet, but I am delinquent on my credit card bills and afraid of being sued. What do I do?
We can still help you! We are a national, full service law firm. We offer much more than just debt defense. Call us at (801) 736-1982 for more information about our highly successful debt settlement service. In the area of consumer rights, we can also help with loan modifications, short sales, bankruptcy, foreclosure defense and more.

I keep getting phone calls from creditors. Can you stop them?
Yes! Call us! Once you have retained our law firm, we immediately notify all of your creditors that Higbee & Associates now represents you. At that point, they MUST stop all contact with you.

Do you have a payment plan?
Yes! We offer affordable flat fee rates for all of our services. However, if you are unable to pay the flat fee in one payment, we also offer reasonable and convenient payment plans. Call us today for more information- we will work with you.

Do I really need an attorney?
Yes! Many people who attempt to represent themselves on their own are taken advantage of or fail to complete necessary steps in the process that negatively impact their case, due to their lack of familiarity with debt collection law and procedures. Higbee & Associates will not let that happen to you. You will receive high quality representation from experienced attorneys who are knowledgeable in all aspects of debt defense cases. Call us today at (801) 736-1982 for a free consultation.

Call us today at (801) 736-1982 for a free consultation!