Who’s Calling from 866-654-5605?
If you’ve been getting calls from 866-654-5605, it’s likely from Phillips & Cohen Associates, a debt collection agency. While they have the right to contact you about a debt, they must follow the Fair Debt Collection Practices Act (FDCPA), which protects consumers from harassment and misleading tactics.
Are They Violating Your Rights?
✔ Too Many Calls?
Debt collectors can’t overwhelm you with repeated calls or contact you at odd hours. If they’re calling before 8 a.m. or after 9 p.m., that may be illegal.
✔ Using Harassment or Threats?
They aren’t allowed to intimidate, threaten, or use abusive language to pressure you into paying.
✔ Not Sending Proof of the Debt?
If you request it, they must provide written proof of the debt within five days of their first contact.
✔ Talking to Others About Your Debt?
They can’t discuss your debt with anyone except you. The only exception is to ask for your location, and even then, they can’t mention why they’re calling.
✔ Lying About What You Owe?
Some collectors misrepresent the amount owed or threaten legal action they won’t take. If this has happened, it could be a violation.
Stop the Calls
If you think Phillips & Cohen Associates has broken the rules, you may be entitled to compensation. You don’t have to deal with this alone. Call Lemberg Law for a free consultation. You don’t pay unless we win.
Ways You Might See This Number
866-654-5605
86665456051-866-654-5605866.654.5605866 654 5605(866) 654-5605This 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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