Established in 1997
About Phillips & Cohen Associates
Phillips & Cohen Associates is a global provider of specialised financial recovery services for regulated, complex, and high-impact accounts. For nearly three decades, we have partnered with many of the world’s largest creditors to deliver compliant, data-driven recovery programmes that protect brand reputation while producing measurable results.
A Global Partner Built on Experience
Respectful Engagement, Engineered for Results
Our expertise spans the full recovery lifecycle including pre- and post-write-off collections, debt settlement support, cease and desist solutions, and industry-leading deceased account care.
Across every service, we combine operational rigour, advanced analytics, and respectful consumer engagement to help creditors resolve accounts responsibly and efficiently.
From the beginning, our work focused on accounts that demanded more than traditional collection tactics—accounts shaped by legal constraints, life events, jurisdictional nuance, and heightened reputational risk.
As regulatory scrutiny increased and consumer expectations evolved, Phillips & Cohen Associates grew by doing what others would not: building recovery programmes that prioritised accuracy, documentation, and professionalism at scale.
At the same time, we invested heavily in internal expertise. Our teams include in-house attorneys, compliance leaders, and operational specialists who understand not just what the law requires, but how recovery programmes must function inside regulated enterprises. This history matters because it shaped a culture built on precision, accountability, and long-term partnerships – not short-term volume.
More than 25 years later, that original focus continues to define who we are and why creditors trust us with their most complex portfolios. We’ve expanded beyond traditional recovery models to support pre- and post-write-off collections, debt settlement company management, cease and desist handling, and structured recovery programmes across multiple placement stages.
Today, Phillips & Cohen Associates supports more than 70 of the world’s largest creditors across industries including banking and finance, automotive, utilities, telecom, and debt purchasing. Our debt purchasing services are delivered through Invenio Financial, a part of PCA Global Ventures.
We operate internationally, with teams and infrastructure across the United States, Canada, the United Kingdom, and Australia. Our technology platforms extend the consumer experience online, while our specialists manage resolution with professionalism when human expertise is required.
What has not changed is our purpose: to resolve financial obligations the right way, even when it is more complex to do so.
Global Financial Recovery Expertise
Why Phillips & Cohen Associates?
Compliance is the foundation, but performance is the objective. Phillips & Cohen Associates designs and manages recovery programmes that operate effectively within complex regulatory environments while delivering improved liquidation, lower cost-to-collect, and consistent portfolio performance.
Built for Complex Account Resolution
Unlike generalist collection agencies, Phillips & Cohen Associates was built to manage complexity thru compassionate engagement. Each of our services have workflows tailored to regulatory, jurisdictional, and operational requirements.
Compassion Aligned with Compliance
Sensitive engagement is not a soft skill, it is an operational requirement. Communication frameworks are designed to respect grieving families while maintaining creditor-approved controls and disclosures.
Enterprise-Grade Governance
Our governance-first approach includes documented policies, role-based access controls, and continuous quality assurance, ensuring every account is managed with transparency, accountability, and audit readiness.
What We Do
Our Services
Phillips & Cohen Associates delivers financial recovery services designed for complexity where regulatory oversight, legal nuance, and consumer experience all matter. Our programmes combine operational discipline, compliance-first execution, and data-driven strategy to resolve obligations responsibly across the account lifecycle.
From standard recovery programmes to highly sensitive account resolution, we build structured solutions that help creditors perform with confidence and consistency.
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.
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 organisations across regulated and brand-sensitive industries. Each industry engagement reflects tailored workflows, jurisdiction-aware documentation standards, and client-specific compliance expectations.
Our Experts. Your Expertise.
Phillips & Cohen Associates is led by experienced professionals with deep expertise in probate operations, compliance governance, analytics, and client partnership. Leadership includes in-house legal and compliance professionals who guide policy development and operational oversight. We actively participate in industry trade groups and continuously invest in technology and training to advance standards for deceased account management globally.
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
Frequently Asked Questions
Find answers to common questions about our business, our approach to deceased account management, and how we support our clients.
What does Phillips & Cohen Associates specialize in?
Phillips & Cohen Associates specialises exclusively in deceased account management and probate-aligned estate resolution. The firm focuses on resolving valid obligations after a customer’s death through verified estate authority, jurisdiction-aware workflows, and compliance-led operations designed to protect creditor brands.
How is deceased account management different from traditional collections?
Deceased account management is governed by probate law, estate authority, and heightened sensitivity. Unlike traditional collections, Phillips & Cohen Associates engages only with verified legal estate representatives, aligns activity to court timelines, and uses survivor-sensitive communication frameworks to ensure compliance and reputational protection.
How does Phillips & Cohen Associates support compliance and oversight?
Operations are built around documented policies, client-approved scripts, jurisdiction-specific playbooks, and continuous quality assurance. Clients receive transparent reporting, audit-ready documentation, and structured escalation paths to support internal risk, compliance, and vendor management requirements.
Which industries does Phillips & Cohen Associates support?
Phillips & Cohen Associates partners with regulated and brand-sensitive industries, including banking and finance, utilities, telecommunications, and government entities. Each engagement is tailored to industry-specific requirements while operating within a consistent global governance framework.
Is Phillips & Cohen Associates able to support multinational portfolios?
Yes. Phillips & Cohen Associates operates across the United States, Canada, the United Kingdom, and Australia, combining local legal and cultural expertise with centralised governance, analytics, and reporting for global consistency.