How to Stop Phillips Cohen Associates Debt Collectors From Calling You

If you've been receiving calls from Phillips Cohen Associates debt collectors, you're not alone. This company partners with multiple businesses to resolve their delinquent accounts. Being contacted by this agency likely means that you have an unpaid debt with another party. Much like all other collection agencies within the UK, Phillips Cohen Associates is obligated to honour your rights as a consumer. As such, they must verify or prove your debt before starting any collection activities. Moreover, there are strict limitations on how Phillips Cohen Associates can contact you, how often they can contact you, and more.

If you're having a hard time dealing with this agency on your own, DoNotPay can help. As a trusted source of legal and financial information, DoNotPay is an excellent tool to use whenever you have questions or concerns about debt collection activities.

Best of all, with the DoNotPay Debt Help UK product, you can take action to solve your financial problems. Whether you want to establish a reasonable payment plan or address unlawful collection activities, DoNotPay got you covered.

Who Is Phillips Cohen Associates and Why Are They Calling Me?

Phillips Cohen Associates is a third-party collection agency that offers its services to clients in the UK, the U.S., Canada, Germany, Australia, and Spain.

Companies can turn to Phillips Cohen and Associates for:

• Deceased Care and Probate
• Consumer Credit Collections
• Debt Management Services
• Cease and Desist Services
• Post-Charge-Off Credit Card Collections

If Phillips Cohen Associates is contacting you, you likely have an unpaid debt with one of its clients. When companies like this one make initial contact, their primary goal is usually debt verification. Before any representative of Phillips Cohen Associates collects money from you or attempts to do so, they must verify that you are indeed the owner of the account in question and that the amount you're being charged is what you actually owe.

Debt verification must be completed by formal letter and should include all pertinent information about the company from which your debt originated, the total amount due, and the best way to remit payment among other things. This is known as a "prove the debt" letter.

Contact Information for Phillips Cohen Associates

You may contact Phillips Cohen Associates directly to inquire about your debt, dispute it for not being yours or for being expired, or find out what payment options are available for you.

Below are their contact details:

What Happens if I Don't Pay My Debt to Phillips Cohen Associates Debt Collectors?

If the debt that Phillips Cohen Associates is attempting to collect is a legitimate one, simply ignoring it won't go away. This is also true of debts that are expired or misreported. You have to take action to avoid further penalties. If you do not, this collection agency can sue you in court. If a judgement is obtained against you, it can be used to claim assets that you currently own or to enforce other collection activities. The good news is that DoNotPay can help.

DoNotPay can assist you in negotiating feasible payment arrangements with this and many other companies including:

• DWP Debt Management
• Advantis Debt Collection
• Moorcroft Debt Recovery
• Marston Group Holdings
• Lowell Financial

You can also get assistance in claiming loan refunds from Provident Loans and Amigo Loans.

Has Phillips Cohen Associates Violated My Rights?

Even when UK consumers have substantial unpaid debts, there are still restrictions on how collectors can attempt to obtain the money that's owed.

Phillips Cohen Associates is not allowed to:

• Visit you physically at your home or place of business
• Threaten you with criminal charges
• Contact you several times within a single day
• Use foul or threatening language during phone conversations
• Use social media as a means for contacting you

What to Do if a Company Has Violated Your Rights

If you believe that your rights have been violated by Phillips Cohen Associates, you should document the event and report it to Citizens Advice by calling 0300 330 1313.

How Long Can Debt Collectors Collect Debt From Me?

It is only lawful for debt collectors to pursue collection activities for a maximum of six years. Once a full six years have passed, your debt is considered expired.

How to Make a Payment to Phillips Cohen Associates

Information on making payment to Phillips Cohen & Associates will be found in your "prove the debt" letter. If you have not yet received this letter, contact the company to let them know. It's important to note that most third-party collection agencies like this one will not accept partial payments until formal payment arrangements have been negotiated.

How to Get Debt Payment Assistance on Your Own

Getting a "prove the debt" letter from any collection agency can be incredibly stressful and intimidating. This is all the more true if the related debt is greater than you can manage. The good news is that there are several ways for UK consumers to get debt relief.

These include:

1. Administration Orders
2. Debt Management Plans
3. Individual Voluntary Arrangements
4. Debt Respite Scheme

You can learn more about these and other forms of debt relief from the government website.

Get Debt Help With DoNotPay

Using DoNotPay is the easiest way to deal with third-party collection companies like Phillips Cohen Associates debt collectors. There are multiple ways in which DoNotPay can help. You can choose the solution that works best for your circumstances and DoNotPay will see it through.

Whether you were just recently contacted or have been harassed for months, DoNotPay can help you figure out whether your debt collector is compliant with debt collection laws.

After guiding you through a series of questions, we'll help you determine what course of action you should take, and contact the debt collectors with a demand letter on your behalf. If you choose to report the collection agency to a governing body instead, we'll file the complaint on your behalf.

Just follow these simple steps to get started:

1. Search “debt collection” on DoNotPay.

2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

And that's it. Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the relevant trade association or ombudsman.

What Else Can DoNotPay Do?

DoNotPay is an excellent resource to use when you need help dealing with Phillips Cohen Associates. As the world's first robot attorney, DoNotPay can also help you solve countless other time-consuming problems.

You can use DoNotPay to quickly complete challenging tasks, get answers to all of your legal and financial questions, and even find and save money.

With a DoNotPay subscription, you're able to:

• File formal complaints
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• Cancel subscriptions or memberships you no longer want or need
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Subscribe now to get started.