Financial Resources for Consumers

Overcome financial obstacles and conquer money management.

Personal Finance Resources

Personal money management takes knowledge, skill, discipline, and consistency. Most importantly it takes a plan. Without a solid foundation of tools and understanding for maintaining a budget, staying on top of debt, or planning for the long term, life’s challenges and financial decisions can quickly add up to what may feel like overwhelming circumstances. But have hope; overcoming debt is possible.

The team at Zarzaur & Schwartz values individuals and their personal and financial wellness. As we work together toward account resolution, we encourage consumers to take advantage of these free resources to learn more about personal finance topics and to achieve victory in overcoming financial challenges and taking steps toward financial recovery and freedom.

Businessman hands holding pen working on calculator and financial paperwork. Account and saving concept

360 Degrees of Financial Literacy

360 Degrees of Financial Literacy is a national volunteer effort of the nation’s Certified Public Accountants to help Americans understand their finances and develop money management skills. Consumers will find calculators, Q&As, videos, and more. is a financial literacy initiative of the National Credit Union Association. NCUA participates in several national financial literacy initiatives to improve the nation’s financial literacy and education. Consumers will find videos and other various helpful resources on the website. is the only official site explicitly directed by Federal law to provide access to free credit reports. Credit reports may affect mortgage rates, credit card approvals, apartment requests, or sometimes even job applications. Reviewing credit reports helps consumers catch signs of identity theft early.

RMAI Consumer Resources

The Receivables Management Association International: Consumer Resources page is a collection of resources available for consumers to learn more about personal finance. Regardless of what a person already knows about money, there’s always more to learn. Browse these resources and grow in knowledge.

A smiling young woman holding a credit card to make an online payment using her laptop


If you have received a communication from Zarzaur & Schwartz, PC about an outstanding balance and would like to make a payment by phone, discuss a payment arrangement, or request a settlement offer, please call our office at (800)-401-6789 between the hours of Monday – Friday 8:30 am – 4:30 pm Central Daylight Time. 

If you would like to make a payment online, you may do so on our secure online payment portal. We accept payment by check and debit card.

We also accept payments by mail. To mail a payment to our office, please include your identifying Zarzaur & Schwartz account number on the check or money order, and mail in a secure envelope to the address below. Please do not mail cash.

P.O. Box 11366

Birmingham, AL 35202-1366

Disputes & Complaints

Zarzaur & Schwartz is committed to ethical and respectful standards of account management and consumer communication. If you have a concern, question, or complaint, we want to know about it. Our Compliance team will investigate and provide a response or resolution to your inquiry promptly and professionally. We invite consumers to submit dispute or complaint information to the contact below:

Consumers having a dispute and angrily having a discussion with the manager

Contact a member of our team to discuss your account details or make a payment.