866-504-9784

Mediator from Lawyers network from Advanta Bank collecting debt.

same advanta idiots file complaint with ftc as they never send out letter to you this "legal firm" about you owing anything which is the law.

This person calls all hours and each time they theaten me and say if I don't pay thier going to ruin me, at that point I hang up

This is Phillips & Cohen, one of the most criminally deviant of all collection agencies; namely one that pretends to be a law firm. They have been sued (albeit unsuccessfully), for implying that they are a law firm. They take the hard cases that even their best client Advanta Bank DBA Advanta Business Card can't settle. Both Advanta and Phillips & Cohen constantly violate the Fair Debt Collection Practices Act of 1966 and amended 2006.

A woman that insists on being called "Mizz Dupree", says she is from (mumble) offices of Phillips and Cohen. They do have great PR in their pretense. They even fooled CNN. Watch this Academy Award Level performance by managing partner Adam Cohen only if you haven't eaten recently. http://www.creditreportproblems.com/news. What compassion!!

Most egregious of all of their pretenses to be consumer advocate attorneys, is their helpful list of collection agents where you can inform the bad guys of your rights under the Federal Debt Collection Practices Act. Gee, I don't see their name on this list. htmhttp://www.creditreportproblems.com/debt-collection-companies.

This is like an arsonists setting a huge fire and then donning fireman's gear and running in and pretending to put out the fire.

Both Advanta and Phillips & Cohen are seriously bad people. Log all calls from both, and check out your rights under the Fair Debt Collection Practices Act.

Good luck,

JtO

Phillips & Cohen keep calling my phone for a Richard [removed].  After about 100 calls, why can't they get it straight that they are calling the wrong phone number.  I was even able to trace Richard Dres down on the internet to Iowa and Florida but this stupid collection agency can't trace him.  He has a home at 712 Circle Drive in Iowa and a Condo in Florida.  What is the matter with them???  I want their calls stopped - Phillips & Cohen need to do their homework!!!

They keep calling my cell phone asking for some guy that is not me, and I've now twice spoken to them to let them know they have the wrong number but their automated system continues to call anyway. I'm not sure how to stop this, and even though their people are apologetic, it keeps happening anyway.

I am very tired of this NUMBER calling...even if you talk to them they have no compassion nor understand it all their fault for jacking their interest rate to 35 per cent so you can never pay off their card. FED UP in Texas!!    Their phone number 866-504-9784. They harrass and claim they have the right to call..and they think they have the right to tell a person what they have to do. They will not work with a person to resolve the issue.

They have used this number to call twice after they have been requested to provide proof of who they are in writing by mail, which they have never done.  Account has been moved to Sage Capital so now they are claiming that their automated dialer accidentally uploaded old numbers...yet the first time I returned the call they told me I was lying about the caller ID showing they just called me, then 5 minutes later I got this totally different answer.  Philips and Cohen will lie to you about what they can or cannot do and they are not a law firm....when they call, put the phone on speaker, get a tape recorder, tell them they are being taped and simply inform them that all information and/or "offers" to settle debt must be in writing by mail or you do not consider it valid.  Offer them NOTHING else no matter how much they try to scare or upset you.  Usually informing them that they are being recorded changes their demeanor instantly as they are trained to watch for that

Received a call from this 800-504-9784 on 6/15/2010. The caller stated that she was calling from Phillips & Cohen. The caller "Sherry" was obviously reading from a script offered a settlement for ref.####### in the amount of $$$$$. She further stated that she would be in her office until 6:00 PM Eastern time. The call was from New Jersey, so she said. It is believed that this is ADVANTA credit card company trying to collect on past due accounts.

Phillips & Cohen Collection Agency  

Address    Principles, Owners,
Attorneys,Exec. Officers Rating
695 Rancocas Rd.
Westampton, New Jersey, 08060

m.phillips@phillips-cohen.com
www.phillips-cohen.com/


--------------------------------------------------------------------------------
Phone No.  888-344-0900 609-518-9000 800-259-6991 800-838-5873 302-355-3500  
Fax 888-666-9373 609-518-9442 905-788-8954-DE  

  Matthew M. Phillips, CEO
 
 

Notes
Junk debt and deceased estate collectors.  


they do not handle CURRENT VALID OWED DEBT -
They buy WORTHLESS LEGALLY UNCOLLECTABLE DEBT FOR PENNIES then break state and federal laws to collect because they DO NOT HAVE PROOF that anyone owes anything.  

Any money you pay them does not GO TO ADVANTA!  





THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

called beginning @ 12:01 am. Over 25 calls in one day! Philips and Cohen

Philips and Cohen. Repeatedly calling about debt of a relative. Say they need me to get a message to them. Instructed them not to call again. Still continue to call. Right away they ask permission to record the call. When I say it's ok as long as I can do the same, they say they do not give permission for me to record and end the call. I wonder why they don't want me to record, but think I should allow them?

Like many of those others who have commented, this company has the wrong number.  I told them I am NOT who they are looking for.  I have an unusual last name, so they call me because my name is similar.  I asked if they would call everyone named Smith since they seem to not be able to find the person they are looking for who owes them money.  I asked them not to call me again and to put me on their do not call list, although that may do no good.  I have also filed a complaint with the FCC DO NOT CALL registry.  How do you get these people to stop calling the wrong number?

They keep calling and asking for someone I do not know.  So by now all I do is document call in my log since I already reported them to the FTC.  Since no one in my house owes anything to no one and we do not know the person they are calling for, it is harrassment and now they have to pay us $500.00 per call, times 11 call, that's $5,500.  And that's just this company.  I changed phone company and apparently the number they gave me belonged to the person they are after.  But that is not my problem.

Do not let any of these companies intimidate you.  If you do not have any money then they cannot take anything you do not have.  No one but the federal government (IRS, federal student loan) can garnish your wages without a court order and if you are under poverty level not even then.  The unemployed, disabled, receiving federal assistance, etc. on FPL (federal poverty level) its illegal to garnish wages.
If your checking account has .53 cents bal. what can they take.  And no one can take away the house that you live in (unless of course you are in foreclosure) but not for owing a credit card bill.

Those who do not owe anything to anyone, do not let them intimidate you into paying somebody elses debt.  I saw in another story here were someone was harrassed and threatened into paying a debt that did not belong to him by another similar company claiming to be lawyers when they were nothing more than ruthless criminals.

Always check them out and report them to the FTC and to Ripoff Report.com a great site to help and educate consumers.

Good Luck to all

Get yourself (free) Google Voice and you can screen these [***] and automatically give them a "not longer in service" outgoing message.

Hired by: US Bank

send all settlement offers to:
Phillips & Cohen Associates, LTD
1002 JUSTISON ST
WILMINGTON DE  19801-5148
Tel: (866) 504-9784
www.phillips-cohen.com

Hey  my fellow annoyed people... If the described number continues to bother you like it does me , what the hell,  I just call em' back and say  "thank for choosing _________ can I take your order" over and over. Makes me feel better anyway.

Phillips & Cohen Associates have been calling me for over a month. They have never sent a letter explaining any money owed or what this is about.  This violates the law that they are required to send  a letter within 5 days of their initial call. I sent them a letter today to cease and desist. Mr. Clark keeps calling, never leaves the name of his Company. He just says there there is a seroius matter to discuss. Also, I am getting calls from other phone numbers related to this Company.

My sister just got a call from some guy named William calling from 866-5044-842 asking about our grandmother, he called my sister's cell phone. He gave her this number: 866-504-9784 ext. 1125 to call back at a better time, tried the number and they are in fact debt collectors. My family does owe some money but certainly not to these people.

I personally had some fun trolling them when I called, those jerks deserve it after all the calls we have gotten.

They certainly do not give up...  They have been calling me about a family member that lost her business years ago and unfortunately signed a few personal guarantees...  I have told them this is not her number and to please remove my cell # from their records.  They stop for a couple of weeks and then start again.  I am not sure what else I can do!