Support Resources for Dealing with Financial Hardship
Everyone’s financial situation is different, and there is no one “right” path forward. Reliable information and trusted resources can help you understand your rights, explore relief options, and make informed decisions at your own pace.
Your Well-being Matters
We understand that this may be a very difficult time.
For additional guidance on managing debt, avoiding scams, and understanding consumer protections, you may find helpful information at the Federal Trade Commission’s consumer resources.
Taking Care of Yourself Comes First
Facing financial hardship can feel overwhelming, especially when you’re managing debt or unexpected life changes. Educational financial resources can help explain common challenges people face during times of financial hardship, offering reassurance that uncertainty, stress, or concern about money is a shared experience for many. Learning more about your options can help you feel more informed and less alone.
Online tools and reading materials allow you to explore budgeting strategies, debt education, and consumer protections at your own pace, when it feels right for you.
If you’re looking for additional support beyond what we can provide, the following resources may be helpful:
Contact Us
We’re here to assist you with your inquiries.
Monday through Thursday –
8:00 a.m. to 9:00 p.m. ET
Friday – 8:00 a.m. to 6:00 p.m. ET
Saturday – 8:00 a.m. to 12:00 p.m. ET
Sunday – Closed
Phillips & Cohen Associates, Ltd.
NMLS #934578
NV License # CM11461 and 1160939 [NRS 649.320]
Reach out to us anytime for support or questions.
Please note all written communications are available in English and in French. In addition, we offer language services in English and Spanish and employ a translation service for other languages.
Online Portals
24/7 access to account information and payment options.
Account-Serve
Use the last four digits of the Creditor Account Number.
Estate-Serve℠
Use the reference number and PIN provided on our letters.
Phone
Call us if you have any questions, to make a payment or to discuss alternative payment options.
Payments can be made over the phone through our automated system 24/7, or you can speak with an agent during normal business hours.
Feedback Form
We are committed to providing a positive customer experience through professional and honest communication with every customer interaction.
If we have exceeded your expectations or if you have concerns with our service, please let us know.