If Phillips & Cohen Associates is listed on your credit report, it likely means they are trying to collect an unpaid debt. Here’s how they operate, how they can impact your credit, and what to do to get them removed from your credit report.
Who Is Phillips & Cohen Associates?
Phillips & Cohen Associates, Ltd. is a debt collection agency based in Wilmington, Delaware. They collect unpaid debts on behalf of businesses, lenders, and healthcare providers.
If your account has been turned over to them, their name may appear on your credit report as a collections account, which can lower your credit score.
Who Does Phillips & Cohen Associates Collect For?
Phillips & Cohen Associates works in a unique area of debt collection. Their clients include:
- Credit card issuers
- Retail lenders
- Healthcare providers
- Companies handling deceased account services
They often pursue unpaid debts tied to credit cards, retail accounts, and estates of individuals who have passed away.
Is Phillips & Cohen Associates Legitimate?
Yes, Phillips & Cohen Associates is a legitimate collection agency. They are authorized to collect debts on behalf of their clients.
Even though they are a real company, you should always verify the details of any debt before making payments. Mistakes and reporting errors are common.
How to Remove Phillips & Cohen Associates From Your Credit Report
Collections accounts can stay on your credit report for up to seven years, but you have options:
- Dispute Inaccuracies: Review your credit report and dispute any incorrect or outdated details with the credit bureaus.
- Request Debt Validation: You have the right to ask Phillips & Cohen to validate the debt. They must prove the debt is yours and that the amount is accurate.
- Negotiate a Pay-for-Delete: Sometimes, you can offer to settle the debt and request that the account be removed from your credit report. Get any agreement in writing.
- Work With Credit Repair Professionals: Many people work with credit repair companies to challenge questionable accounts and clean up their credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Phillips & Cohen Associates?
Before reaching out or sending payments, make sure to:
- Confirm that the debt is accurate and valid
- Request debt validation in writing
- Understand that payments may restart the statute of limitations, giving the agency more time to pursue legal action
Many people choose to work with a credit repair service to avoid mistakes and improve their chances of removing negative marks.
Can Phillips & Cohen Associates Sue You or Garnish Wages?
Yes, Phillips & Cohen Associates has the legal ability to sue for unpaid debts. If they win a lawsuit, they could:
- Garnish your wages
- Freeze your bank account
That said, much of their work involves deceased account services, meaning they often collect from estates rather than individuals. But for living account holders, they can still take legal action when other collection efforts fail.
Lawsuits are usually a last resort, but ignoring collection notices can increase your risk.
Phillips & Cohen Associates Complaints
Like many debt collectors, Phillips & Cohen Associates has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Inaccurate reporting to credit bureaus
- Harassment or aggressive tactics
- Failure to properly validate debts
If you believe your rights have been violated, file a complaint and document all interactions.
Your Rights When Dealing With Phillips & Cohen Associates
Debt collectors must follow federal laws under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws protect you from unfair treatment:
- Phillips & Cohen cannot report false or incomplete information
- You have the right to request debt validation within 30 days of first contact
- They cannot threaten, harass, or use abusive language
- They must clearly identify themselves as a debt collector
- They cannot threaten arrest or make false legal claims
Knowing your rights gives you more control when dealing with collections.
Phillips & Cohen Associates Contact Information
Mailing Address:
Phillips & Cohen Associates, Ltd.
1002 Justison Street
Wilmington, DE 19801
Phone Number:
(888) 608-1766
Ready to Get Phillips & Cohen Associates Off Your Credit Report?
If Phillips & Cohen Associates is hurting your credit, you don’t have to face it alone. Credit Saint has helped thousands of people dispute inaccurate accounts and improve their credit history.
They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to get started today and take control of your credit.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
