866-321-2195 Called You?

Last Updated: October 21st, 2023

  • This number belongs to Phillips & Cohen Associates, they're likely calling to collect a debt
  • You may not have to pay your debt (paying it may hurt your score)
  • Call now, find out how you can remove Phillips & Cohen Associates from your credit report - without paying your debt (potentially)

Who Is 866-321-2195 ?

866-321-2195 belongs to Phillips & Cohen Associates. They’re a debt collector reporting a collection account on your credit report.

This can mean 2 things:

  1. They’ve purchased your debt from the original creditor (such as a credit card company), and they’re now calling you to collect that debt.
  3. They don’t own the debt themselves, but are being paid to collect on behalf of another company.

The worst part is you now have a collections account on your credit report, which will be hurting your score. It also lowers your chances of being approved for credit (at least with good interest rates).

How Can I Get 866-321-2195 to Stop Calling Me?

There are a number of ways you can go about this, but the easiest one (which we highly recommend), is to reach out to a company that specializes in dealing with debt collectors, such as Credit Sage.

Call us today on (855) 677-2127 and speak with one of our friendly collection specialists. They’ll review your credit report with you (for free), and walk you through your best options.

The best news? We’ve helped thousands of customers remove Phillips & Cohen Associates from their credit reports (without having to pay their debt). When Phillips & Cohen Associates is removed from your report:

  • They will stop calling you
  • Your credit score will increase

Managing Debt Owed to 866-321-2195: Tips and Steps to Follow

If you owe a debt that Phillips & Cohen Associates is attempting to collect, it's crucial to take action and resolve the issue. The first step is to verify that the debt is legitimate and that the collection agency has the right to collect it. You can request validation of the debt in writing, which should include information such as the original creditor and the amount owed.

After verifying that the debt is valid, you can work with Phillips & Cohen Associates to create a repayment plan that suits your budget. Ensure you communicate with them in writing and keep a record of all correspondence, including phone calls.

It's also essential to understand your rights as a consumer. Debt collectors are not allowed to harass or threaten you, and they must follow specific guidelines when attempting to collect a debt. If you feel that Phillips & Cohen Associates is violating your rights, you have the option of filing a complaint with the Consumer Financial Protection Bureau.

Dealing with Inaccurate Information on Your Credit Report Reported by Phillips & Cohen Associates

If Phillips & Cohen Associates is reporting incorrect information on your credit report, it can have adverse effects on your credit score and your ability to access credit in the future. The first step is to obtain a copy of your credit report and review it for errors. You can get a free copy of your credit report once a year from each of the three major credit bureaus.

If you find any inaccurate information, you can dispute it with the credit bureau and Phillips & Cohen Associates. Provide documentation to support your claim and clearly explain the error. The credit bureau must investigate your dispute within 30 days and remove any incorrect information.

If Phillips & Cohen Associates persists in reporting inaccurate information, remember you have the right to accurate information on your credit report and to dispute any mistakes. Contact Credit Sage today if you need assistance with your dispute.

Looking For Help With Phillips & Cohen Associates?

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