Who is Calling from 866-321-2195?
If you're getting calls from 866-321-2195, it may be Phillips & Cohen Associates trying to collect a debt. But not all collection activity is legal. Learn about your rights under the Fair Debt Collection Practices Act (FDCPA) to protect yourself from unfair or aggressive tactics.
Are Calls from 866-321-2195 Violating Your Rights?
Phillips & Cohen Associates must follow the law when contacting you. Below are common violations to look out for:
- Not Sending Debt Validation: Collectors must provide written proof of the debt within five days of first contact.
- Trying to Collect a Debt You Don't Owe: Attempting to collect on a settled or inaccurate debt is unlawful.
- Failing to Identify Themselves as a Debt Collector: Every communication must clearly state the caller's identity and purpose.
- Ignoring a Dispute of the Debt: Once you dispute a debt in writing, collection must pause until it's verified.
- Failing to Disclose Rights in the Initial Communication: Collectors are required to inform you of your rights in their first notice.
Stop Unwanted Calls from Debt Collectors
If you believe that Phillips & Cohen Associates is breaking the law or harassing you, don't face it alone. Call Lemberg Law today for a free consultation. We'll help stop the calls from 866-321-2195, hold collectors accountable, and defend your rights. You pay nothing unless we win.
Ways You Might See This Number
866-321-2195
86632121951-866-321-2195866.321.2195866 321 2195(866) 321-2195866-321-2195
This could be a Debt Collector calling you.
866-321-2195
866-321-2195
Other Examples of Illegal Harassment
- Multiple calls per week or day
- Attempts to collect more than you owe
- Early morning or late night calls
- Calls to friends, neighbors, or coworkers
- Collection calls at work
- Use of obscene language
- Threats of violence, lawsuit, or arrest
- Attempts to intimidate you
- Use of obscene language
- Multiple calls from different phone numbers
Fight for Your Rights
The Law Protects You
The Fair Debt Collection Practices Act protects you from debt collector abuse. You can sue and recover up to $1,000.
Our Experience
We make it easy to exercise your rights. We’ll sue the debt collector on your behalf – at no upfront cost to you.
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