Who is Calling from 866-321-2197?
Repeated calls from 866-321-2197 can be concerning. If they are from Phillips & Cohen Associates, it's crucial to know your consumer rights before responding. Learn more about your rights under the Fair Debt Collection Practices Act (FDCPA) to ensure you are protected.
When Calls from 866-321-2197 Cross the Legal Line
Debt collectors must follow strict legal guidelines when attempting to collect a debt. Below are some common violations that may indicate Phillips & Cohen Associates is acting unlawfully:
- Contacting Others About Your Debt: Debt collectors cannot share your financial information with family, employers, or friends. If 866-321-2197 has done so, it may be illegal.
- Calling at Unusual Hours: The law prevents collectors from calling before 8 a.m. or after 9 p.m. If 866-321-2197 contacts you outside these hours, it may be illegal.
- Threats and Harassment: No debt collector, including Phillips & Cohen Associates, is allowed to use threats, profanity, or intimidation. If the collector has acted in such a way, it may be a violation.
- Failure to Provide Debt Validation: If you receive a call from 866-321-2197, the collector must send written verification of the debt within five days. If they haven't, they could be breaking the law.
- Providing False Information: Some collectors misrepresent debts or falsely claim they can take legal action. If the collector has made false statements, they may be violating federal law.
Know Your Rights and Stop the Calls
If you believe that Phillips & Cohen Associates has violated your rights, you don't have to handle it alone. Call Lemberg Law today for a free consultation. We'll help stop the calls from 866-321-2197, hold collectors accountable, and protect your rights. You pay nothing unless we win.Consumers have rights under the FDCPA. Debt collectors are required to follow strict legal guidelines when attempting to collect debts. They must provide accurate information, avoid harassment, and ensure fair treatment. If you believe a collector is violating your rights, you have legal options.
Ways You Might See This Number
866-321-2197
86632121971-866-321-2197866.321.2197866 321 2197(866) 321-2197This could be a Debt Collector calling you.
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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