Start My Answer

What To Do If You're Sued By Zarzaur & Schwartz

George Simons | December 12, 2023

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Is Zarzaur & Schwartz trying to sue you for everything you've got? You can stand up against this debt collector with the right defense. Learn how to win in court.

Getting contacted constantly by debt collection law firms like Zarzaur & Schwartz is oftentimes quite upsetting and unpleasant for many people. Why? Because Zarzaur & Schwartz, like many law firms specializing in debt collection, may use overly aggressive and inappropriate tactics to try and intimidate you into paying the debt allegedly owed.

It is not uncommon for individuals affiliated with Zarzaur & Schwartz to call you throughout the day and send threatening letters that falsely claim potential criminal prosecution against you. Sometimes they even try to connect with you on Facebook and harass you via social media.

If you are being harassed by Zarzaur & Schwartz, be aware that you have legal rights, and you are not alone.

Don't let debt collectors intimidate you. Respond with SoloSuit.

The Dubious Reputation of Zarzaur & Schwartz

Zarzaur & Schwartz is a debt collection law firm based in Birmingham, Alabama. The firm is generally known in the debt collections field as being rude and aggressive in attempting to collect on debts for their clients, which include Citibank, Cavalry, LVNV Funding, Midland Funding, Unifund Partners, and other large financial institutions and debt purchasers.

Zarzaur and Schwartz have had many consumer complaints filed against them that accuse the firm of serious violations of the Fair Debt Collection Practices Act. For example, some consumers say Zarzaur & Schwartz have utilized illegal methods to communicate with them, violating federal law. If Zarzaur & Schwartz has contacted you illegally, you should know that you have rights before you answer.

If you are getting constant letters and calls from Zarzaur & Schwartz or face a debt collection lawsuit, never stop hoping! You can fight back against these obnoxious companies. Take tough, bold action with the resources offered at Solo Suit.

Our mission is simple: We help consumers who are being bothered by debt collectors such as Zarzaur & Schwartz. To assist you in your time of need, we have assembled a vast array of resources that can help you know how to fight back against debt collectors. When you have this critical information in your arsenal, you know their tactics and how to protect your legal rights from debt collectors like Zarzaur & Schwartz.

Use SoloSuit to file a response to debt collection lawsuits in 15 minutes.

The Fair Debt Collection Practices Act Protects Debtors From Aggressive Tactics

Zarzaur & Schwartz is well known for trying to take advantage of people who are unaware of their legal rights per the Fair Debt Collection Practices Act. The FDCPA states guidelines for how these debt collection companies can behave when they contact you. Some of the rules they have to follow include:

  • A Zarzaur & Schwartz debt collector is not allowed to contact you before 8 am or after 9 pm.
  • A Zarzaur & Schwartz debt collector may not use vulgar words when they call you.
  • A Zarzaur & Schwartz debt collector is not allowed to threaten you with a lawsuit or any legal action; and
  • A Zarzaur & Schwartz debt collector may not contact you at work.

How to Protect Your Rights If You Are Sued by Zarzaur & Schwartz in a Debt Collection Lawsuit

If you were served with a debt collection lawsuit filed by Zarzaur & Schwartz, do not throw your hands up despair. There are ways to defend yourself and potentially prevail in court. Never ignore the debt collection lawsuit because that would effectively guarantee a win for the debt collector and allow them to obtain a Default Judgment against you.

Instead, you should respond with an official Answer to the lawsuit. Here are some ideas to remember when writing your Answer to the lawsuit:

  • Do not concede you owe the debts they allege. This is vital because Zarzaur & Schwartz have to prove that you owe these debts. Don't do their work for them. The more you make them work, the more likely they will give up.
  • File an answer to the lawsuit to the clerk of court on time. This is normally 20 or 30 days after you get the complaint in the mail.
  • Mail a copy of the answer that has been stamped by your clerk of court to Zarzaur & Schwartz.

Make the right affirmative defenses with SoloSuit.

Effective Affirmative Defenses to Discuss In Your Answer

When you respond to the Zarzaur & Schwartz lawsuit, you can point out problems with their action. As we noted earlier, the debt collector must show that you owe the debt. This means Zarzaur & Schwartz has to prove these things to make you legally responsible for the debt:

  1. There is a legal basis for the debt collector suing you.
  2. You are the one who owes the alleged debts.
  3. You owe the amount stated by Zarzaur & Schwartz in the lawsuit.

If Zarzaur & Schwartz does not prove the above, you could prevail in Court and could sometimes get the lawsuit dismissed.

Depending on the case, you might say that Zarzaur & Schwartz failed to file the suit within the state's statute of limitations. The statute of limitations sets a deadline for when a person can sue you. The company must file a lawsuit against you before the statute of limitations lapses or they have no case.

If the case indicates that Zarzaur & Schwartz sued you for a debt when the statute of limitations ran out, you could have the lawsuit dismissed with prejudice.

There is more you can do to beat Zarzaur & Schwartz in the debt collection lawsuit game. Consider filing a counterclaim if you think Zarzaur & Schwartz violated the FDCPA. If one of their debt collectors called you late at night, you can argue they should compensate you and pay your legal bills.

Respond to debt collectors with SoloSuit and win in court.

Actions You Should Take If You're Sued by Zarzaur & Schwartz

Below is a quick rundown of things to do if you are sued by Zarzaur & Schwartz:

  • Take notes when they call you. If Zarzaur & Schwartz calls you before 8 am or after 9 pm, they are breaking the law. Also, jot down if they call you at work or use inappropriate language. All of these things are illegal. If they take any such actions, you have legal recourse.
  • File your lawsuit answer within the timelines stated by your local court.
  • In the answer, you can raise several affirmative defenses, such as the statute of limitations ran out. Also, say that Zarzaur & Schwartz need to prove that you owe the debt and that you are the person responsible.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


It only takes 15 minutes.
And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" – Heather


Get Started