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?
Phillips & Cohen Associates, Ltd. collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Phillips & Cohen Associates, Ltd. Contact Information
Phillips & Cohen Associates, Ltd.
1002 Justison Street
Wilmington, DE 19801
Phone number: (888) 608-1766
Should I contact or pay Phillips and Cohen Associates?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Phillips & Cohen Associates, Ltd.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Phillips & Cohen Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Phillips & Cohen Associates must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Phillips & Cohen Associates cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Phillips & Cohen Associates From Your Credit Report Today!
Credit Saint can assist you in disputing Phillips & Cohen Associates, Ltd. collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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