Phillips & Cohen Associates may sound like a law firm, right? Well, it isn’t. They are simply debt collectors, although a lot of consumers have complained that Phillips & Cohen debt collectors behave like they are from a law firm. This business has the typical list of credit card customers, though they do have a specialty that is not all that common; they collect from you after you’re dead. That’s correct, their “deceased account care” unit calls family members and attempts to collect on the deceased’s bills. Phillips & Cohen Associates operates call centers in Wilmington, DE, Westhampton, NJ, Las Vegas, NV, and Plantation, FL. In addition, they have offices in Canada and the UK.
As pointed out above, the nearly all common consumer claims about Phillips & Cohen Associates is that their associates state to be phoning from a law firm or state that they are lawyers. The debt collection pitch often commences with a demand for immediate full payment or they will file suit. If the debt collector has no intention of suing, the Fair Debt Collection Practices Act considers this practice a false statement, which is not allowed under the FDCPA.
Additionally, a collector can not declare that he is going to sue you, garnish your wages, or place a lien on your home except when he particularly intends to do that. This means that, legal action can’t be used as a scare tactic to encourage payment. Additional false statements which are particularly covered by the Fair Debt Collection Practices Act consist of threats that you will be arrested or that you’ve committed a crime by not paying your bill. Not surprisingly, Phillips & Cohen Associates have already been sued in federal court for allegedly violating the FDCPA 69 times within the past six months.
As for their “death account care” unit, Phillips & Cohen Associates readily confesses that, in most states, if there are no assets in the estate then family members have got no responsibility to pay back any debts of the deceased. Nonetheless, they push the relatives to do the right thing and in a CNN interview said “You’d be surprised how many people want to pay something.” Of course, when they call to convey their condolences for a relative that is still alive, which takes place often, it makes you wonder.
Phillips & Cohen Associates
1002 Justison Street
Wilmington, DE 19801