• Report: #439832
Complaint Review:

Phillip & Cohen Associates Ltd

  • Submitted: Wed, April 01, 2009
  • Updated: Mon, April 13, 2009

  • Reported By:New York New York
Phillip & Cohen Associates Ltd
Westampton, New Jersey U.S.A.

Phillips & Cohen Associates Ltd Debt collection tactics Westampton New Jersey

*Consumer Suggestion: Here's the escape route

*Consumer Suggestion: DO NOT AGREE TO ANYTHING - THEY ARE NOT ATTORNEY'S go to www.budhibbs.com ASAP

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I was contacted by a Ryan Steinberg at Phillips & Cohen claiming to be an attorney and that he would be bringing bringing legal action against me in court ( he gave me 1 week for a date) if I did not agree to a settlement in the next few days. He then when on to tell me that I sounded like a nice guy and, it was unfortunate that I should have to go through all of the grief that I would incur with the litigation and that he would try and make a settlement on my behalf with the VP he knew at Advanta Bank Corp. After telling him I would try and get the money together, he told me he would send an email to Advanta and arrange a conference call in the morning to talk with the bank on my behalf, which never took place. He then explained that he received an email that claimed that the VP had agreed to a final amount and they would be willing to settle for just over 50%. After our phone conversion he sent me a passworded email with our agreement in writing from Tony Morelli Sr. VP with Advanta bank letterhead. Nothing was signed and no mention was made of the agency that actually purchased my account. So far all I have received is deceit and lies, actually settle nothing, or close the account legally. I will follow up on this report as the details become available.

New York, New York

This report was posted on Ripoff Report on 04/01/2009 10:25 AM and is a permanent record located here: http://www.ripoffreport.com/reports/phillip-cohen-associates-ltd/westampton-new-jersey-08060/phillips-cohen-associates-ltd-debt-collection-tactics-westampton-new-jersey-439832. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

Here's the escape route

AUTHOR: Bill ("a Cat's Full Nine")" - (U.S.A.)

The following letter is the first step in disentangling oneself from the clutches of this outfit.
It should go to one or both of the branches, whichever is/are bugging you.
The next step if they are not thus dissuaded will be to appeal to the victim's State's Attorney General office and the American Collectors Association and his or her local State Bar Association for instructions as to how to file, the proper forms to do so, and what other information is pertinent.

Phillips & Cohen Associates
695 Rancocas Road
Westhampton, NJ 08060

Phillips & Cohen Associates
P.O Box 45458
Oak Park, MI 48237

By Certified mail - return receipt requested


[Name and address of relevant Phillips branch]

Re: [Name of creditor]
Account # ______________

To Whom It May Concern:

This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (FDCPA), to cease all communication with me in regard to the debt referenced above. If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the State's Attorney General office and/or the American Collectors Association or local State Bar Association.
You are also notified that should any adverse information be placed against the credit reports as a result of this notice that appropriate actions will be taken. Give this very important matter the attention it deserves.

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#2 Consumer Suggestion


AUTHOR: Laurie - (U.S.A.)

And by saying they are - they broke federal FDCPA law.

What Bud Hibbs has to say about this lawbreaking bottomfeeder

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.

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!!
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