Creditor Services
Explore Innovative and Compliant Recovery Services
Backed by highly experienced teams, extensive global debt repositories, and a commitment to excellence, Phillips & Cohen Associates delivers efficient recovery solutions tailored to each client’s unique operational and regulatory requirements.
Innovative Recovery
Built for Today’s Financial Landscape
Phillips & Cohen Associates provides solutions ranging from deceased and estate-related accounts to consumer debt recovery and settlement strategies. Every solution is grounded in governance, data security, and respectful engagement, ensuring consistency, transparency, and measurable results across industries.
Our flexible framework integrates seamlessly with client systems, utilizes our proprietary platforms, or deploys a hybrid approach. We work closely with our clients to develop strategies that maximize recoveries while preserving brand loyalty.
Phillips & Cohen Associates delivers specialized financial recovery services designed for complex, sensitive, and highly regulated accounts. We partner with creditors and institutions to resolve obligations with precision, compliance, and care—protecting your brand while supporting responsible outcomes.
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.
Our solutions leverage proprietary databases to enable data-driven identification of decedents, location of estates, and appropriate connection with survivors.
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, supported by access to more than 100 debt settlement companies and one of the industry’s largest enrollee inventory to deliver measurable outcomes.
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.
Industries We Serve
Phillips & Cohen Associates supports organizations across regulated and brand-sensitive industries. Each industry engagement reflects tailored workflows, jurisdiction-aware documentation standards, and client-specific compliance expectations.
“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