Phillips And Cohen And Associates Debt Collecting Fishing Westampton, New Jersey

" I am going to file complaints though every avenue I can find to have this practice of "fishing" to find people who owe money stopped!"

Okay, I understand that you were inconvenienced, and that the collector was a bit rude and over-bearing. I also understand your concern regarding identity theft.

But it appears as though, after you explained that they had the wrong person, they performed their due dilligence and went away.

So while you were inconvenienced and shocked, I don't see any allegations that arise to the level of a legal violation. Frankly, I would advise that you just let this issue go.

Sometimes debtors are hard to track down, and the best a collector can do is to contact people whose personal information may be a close match. There's nothing wrong with this, especially if they listen to you when you state they have the wrong person and leave you alone after that.

Best regards!

I was called again today about the same thing by the same comnpany even after I was told by them that my name was not on their list. I don't owe ANY MONEY to these people. To be harrased about a debt you do not owe should be illegal. Why don't I have someone call you at 8 a.m on a Saturday about something like this and see if it doesn't piss you off!

from www.budhibbs.com

Phillips & Cohen Associates, Ltd.

695 Rancocas Rd. 

Westhampton, NJ 08060-5626

Phone: (609) 518-9000 Fax: (609) 518-9442

Debt, Arbitration & Death Collectors!

Matthew M. Phillips, Chairman, CEO

Email:

m.phillips@phillips-cohen.com

 

Adam S. Cohen, Co-Chairman, CEO

Email: a.cohen@phillips-cohen.com

Web Address:

www.phillips-cohen.com

 

Death Letters

:

Incredibly Stupid or a Massive Ruse?

(These people are not dead Mr. Death Collector!)

 

Bud Says       

                 Consumer Comments Below

 

Adam S. Cohen, Attorney Debt & Death Collector:   Adam S. Cohen, Esq. serves as Co-Chairman/CEO of Phillips & Cohen Associates, Ltd., a collection agency servicing the industry's leading creditors and debt buyers in the US, Canada and UK. In addition to providing traditional recovery services, Phillips & Cohen Associates offers unique and innovative programs and is recognized as the market leader in comprehensive deceased debt recovery . Educated at The George Washington University and Villanova University School of Law, Mr. Cohen has overseen operations at Phillips & Cohen Associates from one office at inception to six domestic and two international sites comprising approximately 650 employees.

   

 

Adam S. Cohen

Phillips & Cohen Associates, Ltd . (photo courtesy Google)

That story about debt collectors collecting from the grave is true, just ask Adam S.

Cohen, attorney, partner and debt collector of Phillips & Cohen. This New Jersey agency has sent letters for money in as little as one week after the death of a consumer. Their agency sent out thousands of letters to people who were not yet dead in what was later said to be a massive mistake on their part. See Death Letters (above). 

Phillips & Cohen is also involved in filing arbitration claims out of their Delaware office. Don’t expect to receive any documents that validity to their claims, many consumers we have talked with say they don’t exist. Expect to lose the arb claims as Phillips & Cohen have jumped on the FREE money train the National Arbitration Forum, Minneapolis, MN is driving across America, where debt collectors have a 97.999% guarantee of a 20% profit on their claims. 

Since validation of debts is a difficult if not impossible task for bottom feeders such as Phillips & Cohen they have also been known to collect for other vulture debt collectors who have little or documents that back up their claims. 

Can death

debt collectors like Phillips & Cohen screw you to death, then screw you again? Looks to me as though Adam S. Cohen has already answered that question.

extortion n. obtaining money or property by threat to a victim's property or loved ones, intimidation, or false claim of a right (such as pretending to be an IRS agent). It is a felony in all states, except that a direct threat to harm the victim is usually treated as the crime of robbery. Blackmail is a form of extortion in which the threat is to expose embarrassing, damaging information to family, friends or the public.   See also: blackmail robbery theft

This (non-law firm) collection agency appears to be a cesspool of misfits and lawbreakers that prey on consumers with their lawlessness. NEVER give them any information on your bank/credit accounts, or post-dated checks. YOU WILL REGRET IT!!

 

just send them  a cease communications letter via certified mail with return receipt requested - keep copies of all these articles

Then when they call you again ( and they probably will) sue em

Hey, I didn't say it wouldn't piss me off! I was just saying that, if they had stopped trying to collect from you, that you had nothing to worry about.

When you wrote your report, it seemed as though they had removed you from the list of people they were targeting for this debt. Either I read your report wrong, or they lied when they said you weren't, or were no longer in their system.

Now it appears as though they are still pursuing you. So here's where I would advise going from here:

1) If they sent you the initial collection letter within the last 30 days, or if they haven't sent you one yet, send a letter stating that you dispute your liability on this debt and demanding validation of the debt.

This places a requirement upon them to perform more investigation into whether the debt is actually yours, at least to the extent that they will have to produce documentation showing that A) the debt exists and B) you are likely the person who owes it.

They must cease collection activities until they can produce such documentation.

2) If they send you some form of verification, and you can somehow use their documentation to show that the debt is not yours (i.e. the SSN is incorrect), send another letter pointing this out and reiterating that the debt is not yours. If this does not make them go away, proceed to step 3.

If they send you documentation that you cannot use to prove that the debt is not yours, proceed to step 3.

If they send you no documentation at all, but continue to pursue collections, proceed to step 3.

3) Send a letter by certified mail, with return receipt requested, stating the following:  

Per Section 805(C) (15 USC 1692c(C)) of the Fair Debt Collection Practices Act, and except as otherwise permitted by said Act, you are hereby ordered to CEASE AND DESIST any and all further communications with the below named consumer. This order shall apply to all communications including by mail, telephone, or otherwise, and shall encompass communications to any third parties including, but not limited to, employers, relatives, and neighbors.

Any and all violations of this order shall be prosecuted as permitted by the FDCPA, as well as any and all external state or federal laws.

Thank you in advance for your cooperation.

(insert your name, address, phone number, the name of the original creditor, and the account number if applicable).

4) File disputes with each of the big three credit reporting agencies. I believe you can do this online with each one now.

I know this seems like alot of work, and it is. But, unfortunately, this is the only way to get these folks off your back and to ensure that they do as little damage as possible.

Now, the downside to this procedure is that you may inadvertently force them to file a lawsuit against you. If they do file suit, be sure to answer the complaint, and don't miss any court dates. And don't take ANY advice from people who may say that they "can't" sue you.

Best of luck, and please keep us updated.

Ranger, if they are still contacting you, then yes it is a big deal. You stated above that they told you that you were removed from their list. Apparently they were lying.

Send a cease and desist letter (you can find templates all over the place). This should get them off your back.

If, after sending the C&D letter, they continue to harass you, file a small claims action against them seeking $1000 in statutory damages, plus court costs, as allowed per the FDCPA.

You should also check your credit reports. If this debt is showing up on your reports, be sure to 1) file disputes with the relevant reporting agencies and 2) send a letter to the collector stating that, if the items are not removed, you will file suit for violations of the FDCPA, the FCRA, and state defamation laws.

This should do the trick. If they do end up filing a lawsuit against you to try to collect on this debt, be sure to answer the complaint and show up for all court dates. Don't let them get a default judgment against you.

Best of luck!