Who We Are
Debt Recovery Services for Regulated Industries
When traditional collection models fall short, particularly in cases involving deceased customers, probate estates, or heightened regulatory scrutiny, organizations require a different kind of recovery partner.
Our Expertise
Our Data-Driven Approach to Debt Recovery Services
At Phillips & Cohen Associates, our approach leverages proprietary data resources to efficiently manage high volumes of accounts and accurately score them to prioritize recovery. Through detailed analysis of demographics, geography, and performance metrics, we tailor the optimal recovery strategy for each account, delivering efficient solutions and measurable results.
Services
Probate and Estate Recovery
We pioneered deceased account recovery, resolving balances through probate-aligned workflows that engage only verified estate representatives and respect jurisdictional legal requirements.
Consumer Debt Recovery
We emphasize validation, dispute governance, and controlled communications, supporting compliant recovery while protecting brand reputation.
Debt Settlement Services
We manage creditor-approved settlement programs with defined authority, transparent documentation, and audit-ready reporting.
Deceased Notification Solutions
We help organizations accurately identify deceased accounts, suppress inappropriate outreach, and route accounts into compliant estate workflows.
Debt Purchasing Services
Delivered by Invenio Financial, a PCA Global Ventures Company
For institutions seeking portfolio liquidity, our debt purchasing services, delivered through Invenio, apply the same compliance-first discipline across acquisition, recovery, and reporting.
Financial Recovery Services for Industry Leaders
Phillips & Cohen Associates delivers a specialized portfolio of debt collection agency services designed for industries where compliance, oversight, and brand protection are non-negotiable.
Our performance-focused teams deliver measurable outcomes through customized recovery strategies and global industry partnerships while safeguarding customer relationships and brand integrity.
Phillips & Cohen Associates supports creditors worldwide with compliant recovery teams and offices in the United States, Canada, the United Kingdom, and Australia.
Our structured, documented policy frameworks prioritize oversight, data protection, and disciplined execution, aligned to client governance requirements and operating expectations.
Measurable Impact
Case Studies
A Reputation for Results – Trusted by Industry Leaders for Nearly Three Decades
Probate Recoveries Featuring Top Credit Card Issuer
The process for identifying and collecting deceased accounts at a top US bank was split between Phillips & Cohen and another vendor. When the bank sought a single, dedicated partner to manage deceased accounts across its pre- and post-charge-off portfolios, it was looking for a solution that was both compassionate and thorough, while conforming to…
Doubling Probate Recoveries: The Operational Shift Behind the Results
For years, a leading motor finance lender managed its deceased notification and follow up process internally. While their staff was highly empathetic and experienced, they lacked formal grief-support training, an estate deficiency process, and probate compliance. Realizing the need for a more structured and supportive approach, the lender partnered with Phillips & Cohen to build…
“Phillips & Cohen’s superior technology and established relationships with major debt settlement agencies were the driving forces behind revamping our debt settlement agency model. Their solution handled a vast amount of data and enabled us to identify virtually all debt settlement agency accounts. Our costs went down, and our liquidation rates went up.”
Andrew G., Head of Recovery, Atlanticus
“Our debt settlement performance improved end-to-end. Phillips & Cohen’s solution integrated seamlessly with our existing workflows, and the results were excellent.”
Emily Y., Vice President, Collections & Recoveries, Prosper
“Phillips & Cohen’s expertise in debt settlement gave us clarity into our existing inefficiencies and gaps. We quickly saw better segmentation and a noticeably smoother customer experience.”
Mike C., External Agency Manager
“We realized that using multiple generalist vendors for our debt settlement accounts created operational inefficiencies and diluted results. Partnering with Phillips & Cohen allowed us to centralize our strategy with a partner that understands the nuances of settlement-focused recoveries and has the technology to support it. Their platform integrates seamlessly with key debt settlement partners, enabling better segmentation, faster offer delivery, and cleaner resolution of workflows. The result has been a measurable improvement in performance and a smoother experience across the board.”
Vice President, Global Collections
“We lacked the tools and training to properly support families during their difficult times. Working with Phillips & Cohen, we now have a structured, compassionate approach that’s better for us, our customers and their families.”
Head of Risk Strategy
“NotifyNOW is another way we are trying to help our customers by making the process of passing on essential information to us as easy and convenient as possible.”
Customer Support Manager
“NotifyNOW has helped us improve the overall journey for those who have the challenging, stressful task of notifying creditors. This addition to our services makes it easy and simple for them to provide relevant information and documentation digitally when it’s convenient for them and without having to speak to anyone. And we’re simultaneously improving our customer service while decreasing costs.”
Head of Customer Service
“We have been impressed by Phillips & Cohen’s empathic and professional approach in a very sensitive market. They have been very flexible in accommodating requests to manage data transfers to our requirements, working with us to ensure all letters comply with our high customer service standards and adhering to all the compliance initiatives that are part of today’s collections industry.”
Site Manager
Global Expertise
Our Locations
Phillips & Cohen Associates currently serves our national and international client base from regional offices in the United States, Canada, the United Kingdom, and Australia.
United States
1002 Justison Street
Wilmington, DE 19801
Canada
16766 TransCanada Hwy
Suite #402
Kirkland, Quebec, H9H 4M7
United Kingdom
Building 5, Floor 9
Exchange Quay
Manchester, M5 3EF
Australia
Suite 1, Level 7
60 City Road, Southbank
Melbourne, Victoria 3006