What is Phillips & Cohen Associates Collections
What is Phillips & Cohen Associates?
…and why is Phillips & Cohen Associates reporting on my credit reports?
Phillips & Cohen Associates is a collection agency.
You may not have to pay your debt (depending on the age of the debt and your state’s statute of limitations)
Need Help With Phillips & Cohen Associates?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Who Does Phillips & Cohen Associates Collect For?
Phillips & Cohen Associates is a debt collector reporting a collection account on your credit report.
Phillips & Cohen Associates either purchased the debt from the original creditor or has been hired by the original creditor to service the debt.
Phillips & Cohen Associates may send you letters in the mail regarding the debt or call you demanding payment.
But, much more than that, Phillips & Cohen Associates may now be reporting a collection account on your credit reports which lowers your credit scores and decreases your probability of getting approved for a mortgage, auto loan, credit card, apartment, etc…
Getting this account removed may be possible.
Need Help With Phillips & Cohen Associates?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Does Phillips & Cohen Associates Hurt My Credit Score?
Yes, if Phillips & Cohen Associates is reporting a collection account in your credit report they are lowering your credit scores
How Do I Remove Phillips & Cohen Associates From My Credit Report?
Consumer protection laws such as the FCRA, FCBA, FACTA, and FDCPA allow for the removal of collection accounts such as Phillips & Cohen Associates from your credit reports due to inaccuracies, incomplete information, fraud, or information out of compliance with the law.
Disputing the collection may be a good start but, it may also lower your credit scores.
Debt validation may be a better option but, the way that the account is reported in your credit reports will dictate the best approach to take to deal with this debt.
NOTE: According to the PIRG (Public Interest Research Group), 79% of credit reports contain errors.
Need Help With Phillips & Cohen Associates?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Is Phillips & Cohen Associates A Collection Agency?
Yes, Phillips & Cohen Associates is a collection agency. They purchase or service past due debt from creditors who have written off the original debt (also known as a charge-off).
Can I Pay Phillips & Cohen Associates To Delete The Collection From My Credit Report?
Phillips & Cohen Associates may agree to delete the collection account in exchange for payment but, this is not very common.
Phillips & Cohen Associates typically updates the balance of the collection account to $0 and changes the status to “Paid Collection” once the account is paid.
Then continues to report the collection for 7 years from the date of the first key delinquency.
Note: Depending on how the account is reporting in your credit reports, paying a Phillips & Cohen Associates collection account may actually lower your credit scores.
Note: If you come to a “Pay-For-Delete” agreement with Phillips & Cohen Associates, make sure you get the terms of your agreement in writing before you make your payment. You don’t want them backing out of the deal and refusing to remove the collection after you have made your payment.
You may be able to get the Phillips & Cohen Associates account removed from your credit reports by leveraging consumer protection laws. Call (800) 750-1416 to find out how.
Can I Settle A Phillips & Cohen Associates Collection?
Settling your debt with Phillips & Cohen Associates may help to increase your credit scores, but it may also lower your credit scores depending on how the collection account is reporting.
The date that the account last reported will dictate whether paying the Phillips & Cohen Associates collection will improve your scores.
The statute of limitations will dictate whether you actually have to pay this debt.
If there are any inaccuracies or non-compliance issues with the collection account, the Phillips & Cohen Associates collection may be removed from your credit reports without any payment.
Need Help With Phillips & Cohen Associates?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Is Phillips & Cohen Associates A Scam?
No, Phillips & Cohen Associates is a legitimately licensed debt collector.
If Phillips & Cohen Associates is calling you or reporting a collection account on your credit reports you will need to deal with the issue.
One of the best ways to deal with Phillips & Cohen Associates is a combination of disputes, debt validation, cease and desist orders, and CFPB investigations.
The most hassle-free way to do this is to call (800) 750-1416 or sign up online.
Why Does Phillips & Cohen Associates Keep Calling Me?
Phillips & Cohen Associates is calling you because they are a legitimate debt collector attempting to collect a debt.
You can ignore their calls, in which case they will continue to call/harass you and fill your voicemail with messages.
Or you can deal with the issue heads on; submit a limited cease and desist order to stop all calls, and use consumer protection laws to stop Phillips & Cohen Associates dead in their tracks.
Can Phillips & Cohen Associates Sue Me Or Garnish My Wages?
Your state’s statute of limitations and the age of the debt will determine whether Phillips & Cohen Associates can sue you for the debt but, Phillips & Cohen Associates typically doesn’t sue consumers for collection accounts.
Not to say that it can’t happen but, it’s not typical.
If Phillips & Cohen Associates sues you for the debt there are a number of things that you can do, there are also a number of federal and state laws that have exemptions for wage garnishments.
Need Help With Phillips & Cohen Associates?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Does Phillips & Cohen Associates Accept Goodwill Letters To Remove Collections From Credit Reports?
Goodwill letters don’t work with Phillips & Cohen Associates.
The best way to remove a Phillips & Cohen Associates collection from your credit report is to leverage consumer protection laws from the FCRA, FCBA, FDCPA, etc… or through a Pay-For-Delete.
What Are My Rights When Dealing With Phillips & Cohen Associates?
The FCRA allows you the right to dispute any debt that Phillips & Cohen Associates is reporting in your credit reports.
The FDCPA gives you the right to see a copy of the original contract/agreement that you signed with the original creditor for this debt, along with a breakdown showing how you accumulated the balance that you are past due.
If Phillips & Cohen Associates fails to produce these documents 30 days after receiving a written request, the FDCPA demands that Phillips & Cohen Associates remove the collection account from your credit report.
These are just a few examples of your consumer rights. Get to know the FCRA, FCBA, FDCPA, and FACTA.
Need Help With Phillips & Cohen Associates?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
What Is Phillips & Cohen Associates Phone Number?
Before calling Phillips & Cohen Associates call CreditFirm.net at 800-750-1416 and speak with a credit consultant about your options.
Remember that you’re only liable for a debt if it is still within your state’s statute of limitations and Phillips & Cohen Associates must remove the collection from your credit reports if they cannot provide all of the proper validation documents.
Where Can I Find Phillips & Cohen Associates Login?
Logging in to Phillips & Cohen Associates may be a good idea.
Read the fine print and ensure you’re not waiving any consumer protection rights when logging in.
We strongly recommend calling a Credit Repair company (like us) so we can review why Phillips & Cohen Associates is on your report and see how we may be able to use the FCRA, FDCPA, FCBA, etc… to remove the Phillips & Cohen Associates collection account from your credit reports.
Remove Phillips & Cohen Associates From My Credit Report
CreditFirm.net has helped thousands of our clients remove Phillips & Cohen Associates collection accounts from their Experian, Equifax, and TransUnion credit reports.
If you’re looking for a reputable company to help you deal with Phillips & Cohen Associates and increase your credit score, give us a call at 800-750-1416.
What is Afni Collections?
…and why is Afni Collections reporting on my credit reports?
Afni Collections is a collection agency.
You may not have to pay your debt (depending on the age of the debt and your state’s statute of limitations)
Need Help With Afni Collections?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Who Does Afni Collections Collect For?
Afni Collections is a debt collector reporting a collection account on your credit report.
Afni Collections either purchased the debt from the original creditor or has been hired by the original creditor to service the debt.
Afni Collections may send you letters in the mail regarding the debt or call you demanding payment.
But, much more than that, Afni Collections may now be reporting a collection account on your credit reports which lowers your credit scores and decreases your probability of getting approved for a mortgage, auto loan, credit card, apartment, etc…
Getting this account removed may be possible.
Need Help With Afni Collections?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Does Afni Collections Hurt My Credit Score?
Yes, if Afni Collections is reporting a collection account in your credit report they are lowering your credit scores
How Do I Remove Afni Collections From My Credit Report?
Consumer protection laws such as the FCRA, FCBA, FACTA, and FDCPA allow for the removal of collection accounts such as Afni Collections from your credit reports due to inaccuracies, incomplete information, fraud, or information out of compliance with the law.
Disputing the collection may be a good start but, it may also lower your credit scores.
Debt validation may be a better option but, the way that the account is reported in your credit reports will dictate the best approach to take to deal with this debt.
NOTE: According to the PIRG (Public Interest Research Group), 79% of credit reports contain errors.
Need Help With Afni Collections?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Is Afni Collections A Collection Agency?
Yes, Afni Collections is a collection agency. They purchase or service past due debt from creditors who have written off the original debt (also known as a charge-off).
Can I Pay Afni Collections To Delete The Collection From My Credit Report?
Afni Collections may agree to delete the collection account in exchange for payment but, this is not very common.
Afni Collections typically updates the balance of the collection account to $0 and changes the status to “Paid Collection” once the account is paid.
Then continues to report the collection for 7 years from the date of the first key delinquency.
Note: Depending on how the account is reporting in your credit reports, paying an Afni Collections collection account may actually lower your credit scores.
Note: If you come to a “Pay-For-Delete” agreement with Afni Collections, make sure you get the terms of your agreement in writing before you make your payment. You don’t want them backing out of the deal and refusing to remove the collection after you have made your payment.
You may be able to get the Afni Collections account removed from your credit reports by leveraging consumer protection laws. Call (800) 750-1416 to find out how.
Can I Settle An Afni Collections Collection?
Settling your debt with Afni Collections may help to increase your credit scores, but it may also lower your credit scores depending on how the collection account is reporting.
The date that the account last reported will dictate whether paying the Afni Collections collection will improve your scores.
The statute of limitations will dictate whether you actually have to pay this debt.
If there are any inaccuracies or non-compliance issues with the collection account, the Afni Collections collection may be removed from your credit reports without any payment.
Need Help With Afni Collections?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Is Afni Collections A Scam?
No, Afni Collections is a legitimately licensed debt collector.
If Afni Collections is calling you or reporting a collection account on your credit reports you will need to deal with the issue.
One of the best ways to deal with Afni Collections is a combination of disputes, debt validation, cease and desist orders, and CFPB investigations.
The most hassle-free way to do this is to call (800) 750-1416 or sign up online.
Why Does Afni Collections Keep Calling Me?
Afni Collections is calling you because they are a legitimate debt collector attempting to collect a debt.
You can ignore their calls, in which case they will continue to call/harass you and fill your voicemail with messages.
Or you can deal with the issue heads on; submit a limited cease and desist order to stop all calls, and use consumer protection laws to stop Afni Collections dead in their tracks.
Can Afni Collections Sue Me Or Garnish My Wages?
Your state’s statute of limitations and the age of the debt will determine whether Afni Collections can sue you for the debt but, Afni Collections typically doesn’t sue consumers for collection accounts.
Not to say that it can’t happen but, it’s not typical.
If Afni Collections sues you for the debt there are a number of things that you can do, there are also a number of federal and state laws that have exemptions for wage garnishments.
Need Help With Afni Collections?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Does Afni Collections Accept Goodwill Letters To Remove Collections From Credit Reports?
Goodwill letters don’t work with Afni Collections.
The best way to remove an Afni Collections collection from your credit report is to leverage consumer protection laws from the FCRA, FCBA, FDCPA, etc… or through a Pay-For-Delete.
What Are My Rights When Dealing With Afni Collections?
The FCRA allows you the right to dispute any debt that Afni Collections is reporting in your credit reports.
The FDCPA gives you the right to see a copy of the original contract/agreement that you signed with the original creditor for this debt, along with a breakdown showing how you accumulated the balance that you are past due.
If Afni Collections fails to produce these documents 30 days after receiving a written request, the FDCPA demands that Afni Collections remove the collection account from your credit report.
These are just a few examples of your consumer rights. Get to know the FCRA, FCBA, FDCPA, and FACTA.
Need Help With Afni Collections?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
What Is Afni Collections Phone Number?
Before calling Afni Collections call CreditFirm.net at 800-750-1416 and speak with a credit consultant about your options.
Remember that you’re only liable for a debt if it is still within your state’s statute of limitations and Afni Collections must remove the collection from your credit reports if they cannot provide all of the proper validation documents.
Where Can I Find Afni Collections Login?
Logging in to Afni Collections may be a good idea.
Read the fine print and ensure you’re not waiving any consumer protection rights when logging in.
We strongly recommend calling a Credit Repair company (like us) so we can review why Afni Collections is on your report and see how we may be able to use the FCRA, FDCPA, FCBA, etc… to remove the Afni collection account from your credit reports.
Remove Afni Collections From My Credit Report
CreditFirm.net has helped thousands of our clients remove Afni Collections collection accounts from their Experian, Equifax, and TransUnion credit reports.
If you’re looking for a reputable company to help you deal with Afni Collections and increase your credit score, give us a call at 800-750-1416.
Why Choose CreditFirm.net?
Assurance. Our Credit Repair process was developed by experienced attorneys.
Speed. Documents are typically processed and sent out for investigation within 3-5 days.
Support. Award-winning customer service guarantees your satisfaction.
