Who Is 8663097011 (+ How Are They Hurting My Credit Score)

866-309-7011 is linked to Phillips & Cohen Associates, Ltd., a debt collection agency. This means the call might be legitimate, but it could also be a scam. You should not engage with the caller directly, as this could be risky.

Instead, take these steps:

• Pull your credit report to check for any inaccurate negative items.
• If you find debt from this number on your report, seek professional help to verify it.
• Consider using services like The Credit Pros for a free 3-bureau credit report evaluation.

To avoid potential scams, you should block the number. Always verify any debt claims with the assistance of professionals to ensure accuracy.

To sum up - verify your credit report, avoid direct engagement, block the number, and consult professionals for help.

If you're dealing with harassing calls from 866-309-7011, follow these steps to stop and report them:

First, you should document each unwanted interaction. Keep a log with dates, times, and any abusive language. This evidence can be crucial if you need to take further action.

Next, register your number at DoNotCall.gov to minimize future calls. Use your phone's call-blocking feature or contact your service provider for assistance in blocking this number.

Consider escalating to legal measures if the harassment continues. You can seek a restraining order, hire a harassment lawyer, or send a cease and desist letter. Templates are available at eforms.com/cease-and-desist.

Use apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple to block unwanted calls automatically.

Report the unwanted calls to federal agencies:
• Federal Communications Commission (FCC): Submit a complaint at fcc.gov/complaints under 'unwanted calls.'
• Federal Trade Commission (FTC): Report violations of the Do Not Call Registry at ReportFraud.ftc.gov or DoNotCall.gov.
• Consumer Financial Protection Bureau (CFPB): File a complaint at consumerfinance.gov/complaint or call (855) 411-2372.

If you use Nomorobo, you can also report robocalls through their platform. Additionally, contact your phone carrier to explore call-blocking tools and options they offer.

Finally, reach out to your local or state consumer protection office for additional resources to handle these calls.

To wrap things up - take charge by documenting calls, registering on the Do Not Call Registry, using call-blocking tools, and reporting to federal agencies. This will help you stop the harassment and take back control.

You should block the number 8663097011. Ignoring the calls might mean you still get frequent interruptions. Blocking them cuts off their access to you, reducing stress and hassle.

Blocking or ignoring a debt collector like this won't negatively impact your credit score. If your debt has already been reported, blocking them won't make things worse. It gives you peace of mind.

If you suspect harassment, blocking is a wise move. You shouldn't have to deal with constant, unwanted calls. If you need help managing your debt, consider working with a reputable credit repair company to address any inaccuracies in your report.

In the end, you should block 8663097011 to stop unwanted calls, avoid stress, and potentially seek help from a credit repair company to fix your credit report.

Yes, a debt collector like 866-309-7011 can sue you, but it's unlikely. They usually consider legal action as a last resort, typically when the debt is substantial, often over $5,000.

Debt collectors must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be difficult if the debt has changed hands. Legal action is expensive and time-consuming, so collectors often prefer to settle out of court through calls and letters. If the debt is beyond the statute of limitations, a lawsuit is even less likely.

If they decide to sue, you will receive a court summons. You must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies. You have rights under the Fair Debt Collection Practices Act (FDCPA) to protect you from abusive practices. Consulting an attorney is advisable to understand your options.

As a final point, if you receive a court summons, make sure to respond and consult an attorney to protect your rights and avoid a default judgment.

You should never share your personal information when you receive a call from 8663097011. This number is tied to debt collectors, and engaging with them directly can put your personal data at risk. Don't even pick up the call.

Instead, get your 3-bureau credit report to understand your debts better. Start improving your credit by addressing any issues you find. You might also want to work with a reputable credit repair company. They can help you handle inaccuracies or disputes on your report, saving you stress and time.

Block the number to avoid future contact. Protecting your personal information is crucial.

Bringing it all together, avoid calls from 8663097011, get your credit report, work on improving your credit, and block the number to safeguard your information.

If you've received a call from 866-309-7011, it's likely from Phillips & Cohen Associates, a debt collection agency. They specialize in collecting several types of debt:

• Credit card accounts
• Medical bills
• Personal loans
• Unpaid utility bills

Phillips & Cohen Associates may act on behalf of your original creditors or buy the debt outright and collect it themselves. It's crucial that you address any calls or letters from them directly to avoid further complications. Consider negotiating a payment plan or seeking help from a debt management company.

All things considered, addressing the debt head-on, whether through negotiation or professional assistance, is your best course of action to manage and resolve the situation effectively.

To check if you owe money to 866-309-7011, follow these steps:

1. Review Your Records: Look through your personal records for any final bills, account statements, or equipment return receipts related to the debt.

2. Credit Report: Obtain a copy of your credit report. Look for any collection accounts listed by Phillips & Cohen Associates. You can get your credit report for free from annualcreditreport.com.

3. Debt Validation: If you find a debt on your credit report that you don’t recognize or believe is incorrect, request a debt validation letter from Phillips & Cohen Associates. This legally requires them to provide proof that the debt belongs to you.

4. Dispute Incorrect Information: If the debt is inaccurate, file a dispute with the credit bureau that reported it. Provide all necessary documentation to prove the error.

5. Consult a Lawyer: If you face harassment over disputed debts or need help understanding your rights, consider consulting a consumer protection lawyer.

To avoid restarting the statute of limitations on old debts, make sure you don't contact the debt collector directly. Be proactive by gathering all your documentation and understanding your credit report before taking further steps. If dealing with this yourself feels overwhelming, consider seeking help from credit repair agencies or legal experts.

Lastly, ensure you take these steps to verify and manage any potential debts related to 8663097011 while protecting your rights and financial well-being.

If you're dealing with debt collections from 8663097011, you are protected under several laws and regulations:

Fair Debt Collection Practices Act (FDCPA)
This main federal law protects you from abusive, deceptive, or unfair debt collection practices. It applies to personal, family, and household debts, like credit cards and medical bills. Under FDCPA:
• Debt collectors can't contact you before 8 AM or after 9 PM.
• They can't call you at work if your employer disapproves.
• Abusive language or threats are prohibited.
• They can't falsely represent themselves as attorneys or government officials.
• They must provide a written validation notice about the debt within five days of first contact.
• If you dispute the debt in writing within 30 days, they must verify it and can't continue collection until they do.

State Debt Collection Laws
Many states offer extra protections, such as strict licensing requirements for debt collectors. You should check your state's specific laws for additional safeguards.

Consumer Rights
You have several rights to ensure fair treatment:
• If you choose, you can demand in writing that the collector stops contacting you, except for specific legal reasons.
• If you have an attorney, the collector must communicate only with them.
• You can sue for FDCPA violations to recover damages and attorney fees.
• You can report violations to the FTC, CFPB, or your state attorney general for enforcement actions.

Finally, know that if 8663097011 and other debt collectors violate these rules, you have the power to challenge inappropriate behavior and ensure fair treatment.

There are currently no widespread reports of lawsuits specifically against Phillips & Cohen Associates, Ltd. However, there have been complaints and some legal actions in the past.

In 2017, a lawsuit was filed by Israel P. in New York federal court, alleging that Phillips & Cohen Associates violated the Fair Debt Collections Practices Act (FDCPA) by sending a misleading letter about a debt amount.

You should also know that:
• The Better Business Bureau (BBB) received 36 complaints about the company in a three-year period.
• The Consumer Financial Protection Bureau (CFPB) reported 181 complaints, primarily alleging FDCPA violations such as false statements in letters and harassment of debtors or their families.

If you have issues with them, it might be wise to seek professional help.

In closing, while there are no current lawsuits against Phillips & Cohen Associates, previous complaints and legal actions underscore the importance of staying informed.

People online have a lot to say about 866-309-7011. One Reddit user, 'JakeTheSnake22,' mentioned that he got multiple calls from this number and found it super annoying. Despite blocking the number, he kept getting voicemails about an old medical bill.

Another user, 'SunnySunny123,' shared that 866-309-7011 had been calling for weeks, asking about a debt from years ago. When she finally answered, it was Phillips & Cohen Associates on the other end. Similarly, 'VoiceOfReason99' verified that the calls about an outstanding credit card balance were indeed from Phillips & Cohen Associates.

On the flip side, user 'MoneyMattersMore' expressed suspicion, stating that they received calls claiming they owed a debt to a company they had never heard of, leading them to suspect a scam.

Overall, it seems that the number 866-309-7011 is frequently mentioned in relation to debt collection, often associated with Phillips & Cohen Associates. While some verify its legitimacy, others remain skeptical and concerned about potential scams.

Yes, you should remove 8663097011 from your credit report if it’s potentially inaccurate. You need to confirm that this collection is indeed on your credit report because incorrect information can harm your credit score unnecessarily.

Handling disputes by yourself is time-consuming and energy-draining. Instead, consider reaching out to a reputable credit repair company like The Credit Pros to save time and effort. They can help ensure the potentially inaccurate negative items are effectively disputed and removed, if necessary.

Here's what you should do:
- Verify the accuracy of the information on your credit report.
- Dispute any potentially inaccurate information with the credit bureaus.
- Avoid deceptive credit repair companies; choose a reputable one.

As a final point, verify the collection, dispute any inaccuracies, and work with a reputable credit repair company to protect your credit score from unnecessary damage.

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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.

• 8773356619
• 8009001382
• 8663097011
• 8666545605