Who is Phillips & Cohen Associates?
Phillips & Cohen Associates, Ltd. (PCA) is a debt collection agency located in Wilmington, Delaware. They specialize in collecting debts from individuals on behalf of various businesses and institutions.
If PCA is handling your debt or the debt of a deceased loved one, you may see them listed on your credit report as a collections account.
Who does Phillips & Cohen Associates collect for?
Phillips & Cohen Associates caters to a unique niche within the debt collection industry. They specialize in managing deceased account services, which involves collecting debts from the estates of individuals who have passed away. They also handle credit card charge-offs and consumer retail debt.
Is Phillips & Cohen Associates legit or a scam?
Phillips & Cohen Associates is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Phillips and Cohen Associates from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Phillips & Cohen Associates, Ltd. Contact Information
Address:
Phillips & Cohen Associates, Ltd.
1002 Justison Street
Wilmington, DE 19801
Phone number: (888) 608-1766
Should I contact or pay Phillips and Cohen Associates?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Phillips and Cohen Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Phillips and Cohen Associates on behalf of their clients.
Will Phillips and Cohen Associates sue me or garnish my wages?
Phillips & Cohen Associates, Ltd. (PCA) has the authority to sue for unpaid debts, much like any other debt collection agency. However, they specialize in “deceased account care,” which typically involves collecting debts from the estates of individuals who have passed away. This specific focus might alter their approach compared to other general debt collectors.
If they do file a lawsuit and win the case, they could receive a court order to garnish your wages, depending on the regulations of your state.
However, taking legal action is often a last resort for most debt collection agencies. PCA may first attempt to negotiate a payment plan or settlement before deciding to move forward with a lawsuit.
Phillips & Cohen Associates, Ltd. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Phillips & Cohen Associates, Ltd.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Phillips & Cohen Associates to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Phillips & Cohen Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Phillips & Cohen Associates must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Phillips & Cohen Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Phillips & Cohen Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing Phillips & Cohen Associates, Ltd. collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
