Industry Expertise
Learn How Our Solutions Can Help Your Business
Phillips & Cohen Associates partners with more than 70 of the world’s largest creditors across a wide range of industry sectors including banking and finance, consumer retail, utilities, telecommunications, debt purchase, automotive, and local government and central government. Our debt purchasing services are delivered through Invenio Financial, a PCA Global Ventures company.
Verticals We Serve
Specialised Recovery for Complex, Regulated Environments
Phillips & Cohen Associates delivers industry-specific financial recovery solutions for complex, sensitive, and highly regulated account types. From deceased and estate-related obligations to consumer debt recovery and settlement strategies, our approach is designed to meet the operational, compliance, and reputational demands unique to each industry we serve.
Every engagement is grounded in rigorous governance, advanced data security, and respectful, compliant communication. By combining deep industry knowledge with proven recovery frameworks, we help creditors achieve consistent, transparent, and measurable outcomes, while safeguarding brand integrity across the full account lifecycle.
Automotive
Automotive lenders, captive finance companies, and dealer groups face distinct challenges when a borrower or account holder passes away.
Banking
When a bank or credit union customer passes away, unresolved deposit accounts, loans, and credit obligations shift into a highly regulated estate environment.
Consumer Retail
When a retail customer passes away, unresolved balances can span store credit cards, buy-now-pay-later accounts, instalments, subscriptions, and loyalty programmes.
Credit Card Issuers
When a cardholder passes away, credit card issuers face a uniquely sensitive recovery environment. Unsecured balances must be addressed through probate-aligned processes.
Financial Service Companies
When a customer passes away, accounts must be protected from inappropriate activity, communications shift to authorised estate representatives, and recovery efforts align with probate timelines.
Government
When an individual who owes a balance to a government entity passes away, agencies must navigate estate resolution with heightened scrutiny. Our approach safeguards public trust, transparency, and reputational integrity.
Utility Companies
When a utility customer passes, accounts must be protected from inappropriate activity, communications shift to authorised estate representatives, and recovery efforts align with probate timelines.
“We realised that using multiple generalist vendors for our debt settlement accounts created operational inefficiencies and diluted results. Partnering with Phillips & Cohen allowed us to centralise 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
“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
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 emphasise validation, dispute governance, and controlled communications, supporting compliant recovery while protecting brand reputation.
Deceased Notification Solutions
We help organisations 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.
Discovery Consultation
Get Started with Phillips & Cohen
Launching an estate recovery partnership with Phillips & Cohen Associates is straightforward and secure. We begin with a discovery consultation to define your operational needs, followed by structured data exchange and compliance reviews. Once controls are approved, a pilot phase validates communications, governance, and outcomes, establishing the foundation for scalable performance analytics and continuous improvement.