Swisher Group: Who Are They & Why Are They Calling Me

Swisher Group is a debt collection agency that specializes in recovering unpaid balances, often for commercial or business-related accounts. If you're receiving calls from them, it's likely because your name or business has been linked to a past-due debt. They may have purchased the debt or are collecting on behalf of another creditor. While their outreach can feel intrusive, it’s typically part of a legal effort to resolve an outstanding balance.

Disclaimer:
This information is provided for educational and informational purposes only. We do not intend to portray Swisher Group or any other company in a negative light. Our goal is to help readers better understand the debt collection process and their rights when dealing with it.

If you've been receiving calls from Swisher Group, you're probably wondering who they are and why they're contacting you. The short answer: Swisher Group is a debt collection agency that purchases old debts from original creditors and attempts to collect them.

Getting calls from debt collectors is never pleasant, but understanding who Swisher Group is and what they want can help you handle the situation more effectively.

What Is Swisher Group?

Swisher Group (SwisherGroup, Ltd.) is a commercial debt collection and credit advisory firm established in 1995, with over 25 years of experience and over $300 million in gross recoveries. Based in the United States, they specialize in commercial debt recovery and operate as a worldwide collection agency.

The company may appear on your caller ID or correspondence under various names, including:

• SwisherGroup, Ltd.
• Swisher Group LLC
• SwisherGroup Collections
• SGL Collections
• Swisher Acquisition Company

SwisherGroup operates as a fintech-centric commercial credit advisory and enterprise debt recovery firm with NMLS # 2381031. They primarily focus on commercial debt collection but also handle consumer accounts.

Company Background and History

SwisherGroup, Ltd. was established in 1995 and describes itself as a SaaS | PaaS | IaaS | HaaS | Fintech Centric Commercial Credit Advisory and Enterprise Debt Recovery Firm. The company has built its reputation on commercial debt recovery, working with businesses to collect outstanding accounts receivable.

Key Company Details:

• Founded: 1995
• Industry focus: Commercial and consumer debt collection
• Geographic reach: Worldwide operations
• NMLS License: #2381031
• Business model: Debt purchasing and collection services

Types of Debt Swisher Group Collects

Swisher Group typically handles various types of debt, including:

Commercial Debts:

• Business-to-business accounts receivable
• Commercial loans and lines of credit
• Equipment financing
• Trade creditor accounts

Consumer Debts:

• Credit card debt
• Medical bills
• Personal loans
• Utility accounts
• Student loans (in some cases)

Why Is Swisher Group Calling You?

There are several reasons why Swisher Group might be calling you:

You Have an Outstanding Debt

The most common reason is that you have an unpaid debt that was sold to Swisher Group by the original creditor. This could be from:

• Credit card companies
• Medical providers
• Utility companies
• Student loan servicers
• Personal loan companies

Mistaken Identity

Sometimes debt collectors contact the wrong person due to:

• Similar names
• Outdated contact information
• Errors in their database
• Identity theft involving your personal information

Old or "Zombie" Debt

Swisher Group may be attempting to collect on very old debts that are beyond the statute of limitations in your state. These are sometimes called "zombie debts" because they've been "dead" for years but collectors try to resurrect them.

Is Swisher Group Legitimate?

Yes, Swisher Group is a legitimate debt collection agency with over 25 years of experience and over $300 million in gross recoveries. The company holds NMLS license #2381031 and operates as a licensed debt collection firm.

However, being legitimate doesn't mean you should automatically pay any debt they claim you owe without proper verification. Even legitimate collectors can make mistakes or attempt to collect debts that:

• Don't belong to you
• Have already been paid
• Are beyond the statute of limitations
• Contain incorrect amounts or information

Like all debt collectors, Swisher Group must follow federal and state laws, including:

• The Fair Debt Collection Practices Act (FDCPA)
• State debt collection laws
• Telephone Consumer Protection Act (TCPA)
• Fair Credit Reporting Act (FCRA)

Swisher Group Contact Information

If you need to contact Swisher Group directly, here's their official information:

• Company Name: SwisherGroup, Ltd.
• NMLS License: #2381031
• Website: swishergroup.com
• Business Type: Commercial Credit Advisory and Enterprise Debt Recovery

Note: Always verify contact information independently. Scammers often impersonate legitimate companies, so make sure you're dealing with the real Swisher Group by checking their official website or contacting them through verified channels.

Common Complaints About Swisher Group

While researching Swisher Group, consumers have reported various experiences:

Positive Aspects:

• Professional communication approach
• Willing to work on payment arrangements
• Provides proper debt validation when requested

Common Concerns:

• Persistent calling patterns
• Confusion about debt ownership transfers
• Difficulty reaching human representatives
• Questions about debt validity and amounts

Red Flags to Watch For: If someone claiming to be from Swisher Group exhibits these behaviors, you may be dealing with a scammer:

• Demanding immediate payment over the phone
• Threatening arrest or legal action without proper notice
• Refusing to provide written validation
• Asking for payment via wire transfer or gift cards
• Calling outside legal hours (before 8 AM or after 9 PM)

Your Rights When Dealing with Swisher Group

When dealing with Swisher Group or any debt collector, you have specific rights under federal law:

Right to Debt Validation

Within five days of first contacting you, Swisher Group must send you a written notice containing:

• The amount of the debt
• The name of the original creditor
• A statement that you have 30 days to dispute the debt
• Information on how to request verification if you dispute the debt

Right to Dispute the Debt

You have 30 days from receiving the validation notice to dispute the debt in writing. If you dispute it within this timeframe, Swisher Group must:

• Stop collection activities until they provide verification
• Send you proof that you owe the debt
• Provide documentation showing they have the right to collect it

Right to Stop Communication

You can request that Swisher Group stop calling you by sending a written cease and desist letter. After receiving your letter, they can only contact you to:

• Confirm they will stop calling
• Notify you of specific legal actions they plan to take

Protection from Harassment

Swisher Group cannot:

• Call before 8 AM or after 9 PM
• Call you at work if you've told them not to
• Use profane or abusive language
• Threaten violence or illegal actions
• Misrepresent the amount you owe
• Falsely claim to be attorneys or government agents

How to Verify if Swisher Group Really Called You

With debt collection scams on the rise, it's crucial to verify that Swisher Group actually contacted you:

Steps to Verify Legitimacy:

1. Ask for written verification - Legitimate collectors will provide this
2. Check their NMLS license - SwisherGroup, Ltd. holds NMLS #2381031
3. Visit their official website - swishergroup.com
4. Request company address and phone number - Legitimate collectors will provide this information
5. Never provide personal information until you've verified their identity

Warning Signs of Impersonation:

• Caller refuses to provide company details
• Demands immediate payment over the phone
• Threatens arrest or jail time
• Claims to be from "Swisher Group" but can't provide NMLS license number
• Asks for payment via wire transfer, gift cards, or cryptocurrency

Swisher Group vs. Other "Swisher" Companies

It's important not to confuse SwisherGroup, Ltd. (the debt collector) with other companies that use "Swisher" in their name:

Swisher International Group Inc. - A tobacco and cigar manufacturing company founded in 1861, headquartered in Jacksonville, Florida. This is a completely different company from the debt collector.

Swisher Inc. - An outdoor power equipment manufacturer that makes lawn mowers and other garden equipment.

Swisher Acquisition Company - An investment/acquisition firm listed on PitchBook.

Only SwisherGroup, Ltd. with NMLS #2381031 is the debt collection agency that would be calling about debts.

Swisher Group vs. Traditional Debt Collectors: Key Differences

When it comes to handling debt collection, not all agencies operate the same way. Some firms, like Swisher Group, take a more strategic, professional approach, especially with commercial accounts, while others follow more traditional, consumer-focused methods.

The chart below breaks down the key differences to help you understand how Swisher Group compares to typical third-party debt collectors.

This comparison can help businesses determine whether a specialized firm like Swisher Group is better suited for their debt recovery needs.

What To Do When Swisher Group Calls

Don't Ignore Them Completely

While you shouldn't immediately pay any debt they claim you owe, completely ignoring Swisher Group isn't the best strategy. If the debt is legitimate and significant, they may eventually file a lawsuit.

Request Debt Validation

If you receive a call from Swisher Group, ask them to send you written validation of the debt. Don't provide any personal information or acknowledge the debt until you've received and reviewed their documentation.

Keep Detailed Records

Document all communications with Swisher Group, including:

• Date and time of calls
• Names of representatives you spoke with
• What was discussed
• Any promises or threats made

Don't Make Payments Immediately

Avoid making any payments until you've verified the debt is legitimate and belongs to you. Making a payment can restart the statute of limitations on old debts.

What to Do If Swisher Group Violates Your Rights

If Swisher Group violates the FDCPA or other consumer protection laws, you can:

File a Complaint

Report violations to:

• Consumer Financial Protection Bureau (CFPB)
• Federal Trade Commission (FTC)
• Your state attorney general's office
• Better Business Bureau

Consider Legal Action

You may be able to sue for FDCPA violations. Successful plaintiffs can recover:

• Up to $1,000 in damages
• Attorney fees
• Court costs
• Actual damages (if any)

Negotiating with Swisher Group

If you determine the debt is legitimate, you may want to negotiate a settlement:

Settlement Options

• Pay for delete: Agree to pay a portion of the debt in exchange for removal from your credit report
• Payment plan: Arrange monthly payments you can afford
• Lump sum settlement: Pay a reduced amount to settle the debt in full

Get Everything in Writing

Before making any payments:

• Get the settlement agreement in writing
• Ensure it specifies what will happen to your credit report
• Keep copies of all documentation
• Never give electronic access to your bank account

Statute of Limitations by State

The statute of limitations determines how long Swisher Group has to sue you for a debt. This varies by state and debt type:

Common Time Limits:

Credit Card Debt:

• 3 years: Most states
• 4 years: Some states like California
• 6 years: States like Florida and New York

Medical Debt:

• 3-6 years depending on state
• Often follows the same rules as written contracts

Personal Loans:

• 3-6 years for most states
• Depends on whether it's written or oral agreement

Important Notes:

• Making a payment can restart the statute of limitations
• Acknowledging the debt in writing can restart the clock
• Each state has different rules and time limits
• The statute starts from your last payment or activity on the account

Tip: If Swisher Group is collecting on very old debt, check your state's statute of limitations. If it's expired, you have a strong defense against any lawsuit.

Sample Letters for Dealing with Swisher Group

Debt Validation Request Letter

[Your Name]
[Your Address]
[City, State, ZIP]
[Date]
 
SwisherGroup, Ltd.
[Their Address]
 
Re: Account #[Account Number]

Dear Sir/Madam:
This letter is in response to your recent contact regarding the above-referenced account. I am requesting validation of this debt as allowed under the Fair Debt Collection Practices Act.

Please provide the following information:
1. Proof that you own this debt
2. Complete payment history from the original creditor
3. Copy of the original signed agreement
4. Verification of the current balance and how it was calculated
5. Proof of your authority to collect this debt

Until you provide proper validation, please cease all collection activities on this account. This is not an acknowledgment that I owe this debt.

Sincerely,
[Your Signature]
[Your Printed Name]

Cease and Desist Letter

[Your Name]
[Your Address]
[City, State, ZIP]
[Date]

SwisherGroup, Ltd.
[Their Address]

Re: Account #[Account Number] - Cease Communication

Dear Sir/Madam:
Per my rights under the Fair Debt Collection Practices Act, I am requesting that you cease all communication with me regarding the above-referenced account.

This letter serves as formal notice that I do not wish to be contacted by phone, mail, or any other method regarding this alleged debt.

You may only contact me to:
1. Confirm that you will stop communication
2. Notify me of specific legal action you intend to take

Any further contact will be considered harassment and reported to the appropriate authorities.

Sincerely,
[Your Signature]
[Your Printed Name]

Consider hiring a consumer attorney or credit repair professional if:

• Swisher Group is violating debt collection laws
• The debt is substantial (over $1,000)
• You're facing a lawsuit
• You have multiple collection accounts
• The debt doesn't belong to you but won't go away

Need a trusted credit repair company? CheckASAP!

Red Flags to Watch For

Be cautious if Swisher Group:

• Demands immediate payment over the phone
• Refuses to provide written validation
• Threatens arrest or jail time
• Claims you'll lose your job or benefits
• Asks for payment via wire transfer or prepaid cards
• Calls excessively or at inappropriate times

The Bottom Line

Receiving calls from Swisher Group can be stressful, but remember that you have rights and options. Don't panic, but don't ignore the situation either.

Start by requesting debt validation and reviewing your options. Whether the debt is legitimate or not, understanding your rights and the proper procedures can help you resolve the situation effectively.

If you're struggling with multiple debts or collection accounts, consider speaking with a nonprofit credit counseling agency for guidance on managing your overall financial situation.

Remember: knowledge is power when dealing with debt collectors. The more you understand about your rights and their obligations, the better equipped you'll be to handle the situation successfully.