Phillips & Cohen Associates Debt Collection Harassment
Tired of Phillips & Cohen Associates Debt Collection Harassment? Wish there was a way to make the calls stop? Is Phillip and Cohen Associates constantly calling and harassing you? Does your phone ring every day, several times per day, because Phillips and Cohen Associates is calling you to demand payment? Threatening you with legal action? Has Phillips & Cohen Associates ltd ever used abusive or profane language when speaking with you on the phone? If so, Phillip and Cohen Associates may be violating your legal rights. Stop the harassment. If you are being harassed, you can send a cease & desist request to stop the calls.
Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the , you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs. Phillips Cohen Associates also offers desist solutions to manage and cease collection efforts when necessary.
Is Phillips & Cohen Associates a scam?
According to the Better Business Bureau website, Phillips and Cohen Associates ltd has been in business since 1997. There have been 23 customer complaints filed.
Phillips & Cohen Associates is recognized as an award-winning industry leader in the credit and collection industry.
What is Phillips and Cohen Associates?
Phillips & Cohen Associates is third party debt collector located in Wilmington, Delaware. They have been sued in federal court over 380 times for violating consumer’s rights while collecting on alleged debts. A recent Federal Court cases alleges that Phillips and Cohen Associates harassed a widow for her deceased husbands debt after the time period to file a claim against his estate.
With a global presence, Phillips Cohen Associates collaborates with over 70 of the world’s largest creditors. They work with some of the world’s largest creditors across various sectors. Their specialized compassionate engagement services ensure sensitive cases are handled with care.
🏛️ Phillips and Cohen Associates Address: 1002 Justison St Wilmington, DE 19801-5148
☎️ Phone: (302) 355-3500
🖨️ Fax: (302) 368-0970
Phillips & Cohen Associates is a debt collection agency that specializes in deceased account management and provides compassionate engagement services to clients. The company has achieved national and international prominence and is recognized as a global leader in the debt collection industry. With regional offices in the United States, Canada, Europe, and Australia, Phillips and Cohen Associates serves clients across various industry sectors, including consumer retail, credit card, and banking. Their unique and compassionate style sets them apart in the collection industry, ensuring that sensitive cases, such as those involving deceased accounts, are handled with the utmost care and respect.
Phillips & Cohen Associates Phone Numbers
- 📲 888-608-1766
- 📲 866-504-4754
- 📲 954-660-8400
- 📲 866-321-2195
If so, you may be a victim of Phillips and Cohen Associates debt collection harassment. The list above is not all the numbers that Phillips & Cohen Associates ltd uses. Also, calls can be from different numbers and it still be Phillip and Cohen Associates calling you. Contact our office right away so we can start the process to stop Phillips and Cohen Associates from calling you illegally. Above all, no one should live with harassment.
Phillips & Cohen Associates Complaints
The following is a sample list of complaints filed against Phillips and Cohen Associates and can be found on Pacer.gov.
- 📋 3:19-cv-01400-RS Spies v.
- 📋 4:19-cv-00342-JEO Berry v.
- 📋 2:19-cv-00035 Johnson v.
- 📋 0:19-cv-00109-DSD-DTS DeLosier v.
- 📋 2:19-cv-00024-WED Serifoski v.
How to Identify Legitimate Calls
When dealing with debt collection calls, it’s essential to identify legitimate calls from scam calls. Legitimate debt collectors, like Phillips Cohen Associates, will provide you with information about the debt, including the amount owed, the creditor, and the account number. They will also provide you with options for paying the debt, such as setting up a payment plan or making a lump sum payment. Be wary of calls that demand immediate payment or threaten legal action without providing any information about the debt. Always ask for a debt verification letter to confirm the legitimacy of the call and the debt in question.
Debt Settlement Options
Debt settlement is the process of negotiating with a creditor to reduce the amount of debt owed. Phillips Cohen Associates debt collector offers debt settlement options to clients, which can help them avoid bankruptcy and reduce their debt burden. The company’s expert niche services include debt management, credit card debt settlement, and deceased account care management. By working with a reputable debt collection agency like Phillip and Cohen Associates, clients can realize additional recoveries and achieve a good faith effort to pay off their debts. This approach not only helps in managing financial stress but also ensures that clients can work towards a more stable financial future.
Stopping Harassment
Debt collectors, like Phillips and Cohen Associates, are required to follow the Fair Debt Collection Practices Act (FDCPA), which establishes ethical standards for the debt collection industry. The FDCPA prohibits debt collectors from using abusive or deceptive tactics to collect debts, such as making excessive phone calls, using threatening language, or making false statements. If you’re being harassed by a debt collector, you can stop the harassment by sending a debt verification letter or a cease and desist letter. You can also file a complaint with the Federal Trade Commission (FTC) or the Better Business Bureau (BBB). Remember, you have the right to be treated with respect and dignity, and debt collectors must comply with the law when collecting debts.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Phillips & Cohen Associates debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Our team includes experts like our Chief Information Security Officer, who ensures that all client data is handled securely.
If you are interested in learning more about how to safeguard yourself and prevent Phillips & Cohen Associates debt collection harassment, call us at 877-700-5790 or visit our website
Success Stories
- 🏆 “Phillips & Cohen Associates threatened to sue me over a 12-year-old debt—way past the legal limit! Consumer Rights Law Firm PLLC proved they violated the FDCPA’s statute of limitations rule and secured an $8,500 settlement. The debt was erased, and they paid ME for their bullying!”
- 🏆 “Phillips & Cohen called my elderly mother pretending to be ‘legal investigators.’ The firm sued for harassment of third parties under FDCPA Section 805(b). Not only did the calls stop, but they also removed the false collection from my credit report—my score jumped 134 points!”
- 🏆 “Phillips & Cohen demanded $3,200 for a ‘payday loan’ I never took. Consumer Rights Law Firm PLLC sent a debt validation request—when they couldn’t provide a contract or statements, the agency admitted it was a scam! The firm then reported them to the CFPB for fraud.”
FAQs
Who is Phillips and Cohen Associates and why are they contacting me?
Phillips & Cohen Associates is a legitimate third-party debt collection agency founded in 1997, headquartered in Delaware and New Jersey. They contact consumers to collect on unpaid debts that have been charged off by original creditors.
Is Phillip Cohen Associates a real debt collector?
They are a real debt collector. However, the FDCPA requires you to request written debt validation to confirm the amount and ownership before making payments.
Can I be sued by Phillips & Cohen Associates LTDf?
Yes. If they have purchased your debt, they can file a lawsuit. Responding promptly is important to avoid a default judgment.
Can Phillip and Cohen Associates legally harass me with phone calls?
No. The FDCPA prohibits harassment, threats, repeated calls, or abusive language. Some consumers have filed harassment claims and may be entitled to damages.
Does Phillips and Cohen Associates use robocalls or spoofed numbers?
They are known to call from numbers like 866-309-7011, which may be spoofed. If you receive recorded calls without prior consent, that could violate the TCPA.
Can they contact my employer or family members?
No. Under the FDCPA, collectors cannot discuss your debt with third parties except to locate you, and only once.
Can Phillips & Cohen Associates affect my credit score?
Yes. They can report debts to credit bureaus, which may lower your score for up to seven years. You can dispute questionable items with credit agencies.
What should I do if Phillips & Cohen Associates keeps calling me?
Document all calls, request verification of the debt in writing, and send a cease-and-desist letter. If calls continue, file complaints (FTC, CFPB) and consider legal help.
Can I sue Phillips and Cohen Associates for FDCPA or TCPA violations?
Yes. You may be entitled to statutory damages—up to $1,000 per violation under FDCPA, and additional compensation under TCPA for involuntary robocalls.
How can I settle or negotiate a debt with Phillips & Cohen Associates?
You can respond to Phillips and Cohen associates lawsuit, request debt validation, offer a settlement (often 40–60 %), and get all terms in writing before agreeing.
