Who is 8662700195 and why are they calling me?

The number 8662700195 is likely a debt collection call from Phillips & Cohen Associates. While it may be legitimate, you should treat it with caution. You're not obligated to pay without verification, so don't engage directly. Instead, we recommend you take these steps:

• Block the number to stop unwanted calls
• Pull your free credit report to check for any errors
• Contact us at The Credit Pros for a free 3-bureau evaluation

We've helped thousands of people in similar situations. If you see this as a collection on your report, it's probably real, but you should still ignore it for now. We can help you verify any debts, dispute potential errors, and improve your financial outlook.

You might feel stressed about these calls, but remember that you have options. We understand how overwhelming debt collection can be, and we're here to support you through this process.

When you work with us, we'll review your credit report together and create a personalized plan to get you back on track. We'll guide you through each step, ensuring you understand your rights and options.

To finish up, here's what you should do: block the number, check your credit report, and reach out to us for expert help. You don't have to face this alone – we're here to help you take control of your financial future.

To stop 8662700195 from harassing you, you need to take several steps. We understand how frustrating and stressful this situation can be, so we're here to guide you through the process.

First, you should document every interaction with the caller. Keep a detailed log of the dates, times, and any abusive language used. This record will be crucial if you need to take legal action later.

Next, you should register your number on the Do Not Call Registry at DoNotCall.gov. You can also block the number on your phone or ask your service provider for help with blocking.

If the harassment continues, you may need to escalate the situation. You can consider obtaining a restraining order or consulting a harassment lawyer to understand your rights. Another option is to send a cease and desist letter using a template from eforms.com/cease-and-desist/.

To further protect yourself, you should use call-blocking apps. For Android, try 'Call Blocker - Stop spam calls', and for Apple, 'Robokiller: Spam Call Blocker' can be effective.

It's important that you file complaints with the appropriate authorities. You can report illegal robocalls or spoofing to the FCC at fcc.gov/complaints. For telemarketing calls or Do Not Call Registry violations, report to the FTC at ReportFraud.ftc.gov or DoNotCall.gov/report.html.

If you're dealing with a financial matter, you should submit a complaint to the Consumer Financial Protection Bureau (CFPB). You can do this online at consumerfinance.gov/complaint, by phone at (855) 411-2372, or by mail.

• Use Nomorobo if you have this service to report robocalls.
• Contact your phone carrier for additional call-blocking tools.
• Check with your local consumer protection office for more resources.

To finish up, remember that you have the power to stop this harassment. By following these steps, documenting everything, and reaching out to the right authorities, you can put an end to unwanted calls from 8662700195 and regain your peace of mind.

You should block 8662700195 to stop unwanted calls and reduce your stress. We advise taking this step because it won't hurt your credit score or cause any negative consequences. If you're dealing with a potentially harassing debt collector, blocking or ignoring the number is a smart move.

Here's what we recommend you do:

• Block the number on your phone
• Work with a reputable credit repair company
• Let the experts handle any disputes or inaccuracies on your report

Remember, your score won't drop just because you block calls. If there's already a collection on your report, it can't harm your score more than it already has. We understand how stressful it can be to deal with collectors. By blocking the number and partnering with experts, you'll gain peace of mind and a clearer path forward.

To wrap things up, you should take action by blocking the number and seeking professional help. This way, you'll protect yourself from harassment and take steps towards improving your financial situation.

Yes, a debt collector like 8662700195 can sue you, but it's unlikely. Debt collectors typically use lawsuits as a last resort, often for debts over $5,000. Here's what you need to know:

You should be aware that debt collectors must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be challenging if the debt has changed hands multiple times. It's expensive and time-consuming for them to sue, so many collectors prefer to settle out of court.

Each state has a specific time frame within which they can sue you, called the statute of limitations. If your debt is old, you're less likely to face a lawsuit. However, it's crucial that you know your rights under the Fair Debt Collection Practices Act (FDCPA) to protect yourself from abusive practices.

Before considering legal action, debt collectors usually try other methods to reach you:

• They might call you repeatedly
• You may receive multiple letters
• They could attempt to negotiate a settlement

If they do decide to sue, you'll get a court summons and complaint. It's essential that you respond to avoid a default judgment. We strongly advise you to consult with an attorney if you receive a lawsuit.

To finish up, remember that while a debt collector can sue you, it's not their first choice. You should stay informed about your rights, keep track of your debts, and don't hesitate to seek legal advice if you're served with a lawsuit. We're here to help you navigate this challenging situation.

If you receive a call from 866-270-0195, you should be cautious as this number might have your personal information. We advise you not to provide any details over the phone. This number is likely linked to a debt collector, and you should avoid picking up their calls.

Instead of engaging with the caller, here's what we recommend you do:

• Get your 3-bureau credit report to check for any discrepancies.
• Start building a plan to improve your credit score.
• Consider working with a trustworthy credit repair company for expert help.

By blocking these calls, you can avoid unnecessary stress and focus on legitimate steps to manage your credit. Remember, you have the right to request debt verification in writing. This approach helps protect your personal information and supports a clearer credit management strategy.

We understand dealing with potential debt collectors can be stressful. However, you're taking the right steps by being cautious and informed. If you're worried about your credit, start by reviewing your credit report for any inaccuracies. Then, you can work on a plan to improve your score.

To finish up, remember that you're in control of your financial information. Don't let unexpected calls shake your confidence. Block the number, verify any claimed debts in writing, and focus on positive steps to manage your credit. You've got this!

When 8662700195 calls you, it's likely about collecting specific types of debt. This number belongs to Phillips & Cohen Associates, a company that specializes in:

• Deceased account services
• Credit card charge-offs
• Consumer retail debt

You might receive calls from this number if you're a family member of someone who has passed away with unpaid debts. They may also contact you directly if you have outstanding credit card balances or other consumer debts.

It's important to note that Phillips & Cohen Associates doesn't specify which creditors they buy debt from. This means you should be cautious when they reach out to you.

If you receive a call from 8662700195, we strongly advise you to verify the debt before taking any action. Don't simply accept their claims at face value. You have the right to request proof of the debt and confirm its validity.

To finish up, remember that you're in control of how you handle these calls. You should always verify any debt claims, understand your rights, and don't hesitate to seek professional advice if you're unsure about how to proceed. Your financial well-being is important, and you have the power to protect it.

Here's how you can check if you owe money to 8662700195:

First, gather all your financial records, including final bills, account statements, and receipts. You should avoid directly contacting the number as this could restart the statute of limitations on old debts. Instead, if you notice a debt on your credit report, you should request a debt validation from the collections agency.

We recommend that you use credit reference agencies to check your credit file for any defaults, County Court Judgments (CCJs), or decrees. If you find discrepancies, you might want to consult a consumer protection lawyer rather than disputing them on your own, as this can be time-consuming and potentially lead to harassment over disputed debts.

Before taking any further steps, make sure you have comprehensive documentation from your own records and credit reports. Here are some key actions you can take:

• Review your financial records thoroughly
• Check your credit report for any listed debts
• Request debt validation if necessary
• Consult a lawyer if you find discrepancies

To finish up, remember that you're in control of this situation. By carefully reviewing your records and credit report, you'll be well-equipped to handle any potential debts and protect your financial wellbeing.

You have several legal protections against debt collection calls from 8662700195. The Fair Debt Collection Practices Act (FDCPA) is your primary shield, prohibiting abusive, deceptive, or unfair practices by debt collectors.

Here's what you need to know about your rights under the FDCPA:

• You can't receive calls before 8 AM or after 9 PM.
• Collectors can't contact you at work if your employer doesn't allow it.
• They must not use obscene language or harass you.
• They can't threaten you or falsely represent themselves.
• Your debt details must remain private from third parties.
• They can't demand more money than you legally owe.

When it comes to disclosures, debt collectors must follow specific rules. You should receive a written validation notice explaining your debt. If you dispute it in writing within 30 days, they must provide verification and pause collection efforts. They also need to disclose that they're attempting to collect a debt in their communications with you.

You have the power to control these interactions. You can request in writing that the collector stops contacting you, and they must comply with few exceptions. If you have an attorney, the collector must communicate only with them. You can sue for FDCPA violations within a year and potentially recover damages and attorney fees.

Don't forget that state laws may offer additional protections. For example, if you're in New York, debt collectors need strict licensing.

To finish up, remember that knowledge is your best defense. By understanding these laws and exercising your rights, you're well-equipped to protect yourself from unlawful debt collection practices. We encourage you to stay informed and take action if you feel your rights are being violated.

Phillips & Cohen Associates has faced several lawsuits and complaints related to their debt collection practices. You should be aware of the following notable cases:

• In January 2019, a class action lawsuit in Wisconsin claimed the company sent a letter that didn't properly state the debt amount and dispute rights.

• The Zaborac v. Phillips and Cohen Associates case in 2004 involved a consumer disputing a debt and requesting verification.

• In 2002, the FTC investigated the company for attempting to collect debts from deceased debtors' relatives.

You should also know that numerous complaints have been officially recorded against Phillips & Cohen Associates:

• The Better Business Bureau (BBB) has 36 complaints, often mentioning FDCPA violations.

• The Consumer Financial Protection Bureau (CFPB) has 181 complaints, typically involving alleged FDCPA violations like misleading communications and improper debt validation.

If you're dealing with Phillips & Cohen Associates, it's crucial that you understand your rights under the Fair Debt Collection Practices Act (FDCPA). You should carefully review any communications you receive and consider seeking legal advice if you believe your rights have been violated.

To wrap things up, if you're contacted by Phillips & Cohen Associates, you should document all interactions, verify any claimed debts, and don't hesitate to file a complaint with the CFPB or BBB if you experience unfair practices.

People online have mixed opinions about the phone number 866-270-0195. You'll find many users on Reddit sharing their experiences:

You might receive calls from this number even if you don't owe anything. Some users report getting multiple calls daily, which can be quite annoying. It's important to know that 866-270-0195 is associated with a debt collection agency, specifically Phillips & Cohen Associates.

You may encounter situations where they're calling about a debt you weren't aware of. Some users have reported that blocking the number doesn't always work, as the callers might use different numbers to reach you.

Here's what we advise you to do if you're dealing with calls from 866-270-0195:

• Don't engage directly if you're unsure about the debt.
• You should verify any claimed debt before making payments.
• Block the number to reduce unwanted calls.

To finish up, remember that you have rights when it comes to debt collection calls. If you're feeling overwhelmed, consider reaching out to a credit counseling service for guidance. They can help you navigate this situation and find the best path forward for your financial well-being.

Yes, you really need to remove 8662700195 from your credit report if it's potentially inaccurate. Don't waste your time with typical credit repair companies - most are scammy and ineffective. When you try to dispute on your own, it can be time-consuming and draining. Instead, you can save yourself hours by reaching out to a reputable company like The Credit Pros for help. We can make a world of difference in maximizing your chances of removing this potentially inaccurate negative item.

Here's what we advise you to do:

• Confirm this collection is actually on your report
• Check if it seems potentially inaccurate
• Avoid shady credit repair services
• Don't struggle to dispute it by yourself
• Contact us for expert assistance

We understand that dealing with collections is stressful for you. Let us handle the heavy lifting so you can focus on improving your financial health. With our help, you'll have a much better shot at getting this resolved quickly and boosting your credit score.

To finish up, remember that you don't have to tackle this alone. By reaching out to us, you're taking a smart step towards cleaning up your credit report and improving your financial future.

Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

• 8663212197
• 8662700195