A Reputation for Results

Phillips & Cohen Associates has built a successful and rapidly growing business by delivering industry-leading collections results while simultaneously enhancing the brand of each individual client.

Phillips & Cohen Associates was formed in 1997 and quickly established a reputation as a responsible and trusted partner to industry leaders around the world. We have three regional offices in the United States (including a dedicated analytics center) and international offices in Quebec Canada, Manchester United Kingdom, Melbourne Australia and Dusseldorf Germany.

Our business has achieved national and international prominence by providing highly effective financial recovery services that include compassionate Deceased Care and Probate, Pre- and Post Charge-Off Credit Card, Business Card, Consumer Retail, Debt Management, and Cease and Desist solutions.

Our clients range from mid-sized firms to leading national and international creditor and banking institutions. We serve the consumer credit industry, banking and loan marketplace, as well as specialised industries including healthcare, utility, education, and telecom.

Our management includes in-house attorneys who understand the legal process and the evolving statutes that govern our industry. We play leadership roles in our industry’s principle trade groups in America and internationally. And we continually set new standards for technological and service innovation.

Our Values

Through our compassionate and sensitive approach to debt recovery, we aim to provide a ‘best in class’ service to customers and clients alike. We actively seek to share best practices and draw on expertise from across our global operations. Our core values are designed to guide our business operations and provide a framework with which to evaluate and reward our most valuable asset – our team.

These are the four key values that inspire the work conducted at Phillips & Cohen Associates (UK) Ltd.

We operate with humility, caring, and respect, and strive to provide exceptional customer service during difficult circumstances.

We make investments and work to continually improve our compliance processes and systems, implementing proactive solutions to protect our clients and their brand reputation.

We keep our promises, we live up to our expectations, and we give our best while supporting our customers and clients.

We foster a work environment where creative thinking is encouraged to improve customer service, streamline business operations, continuously improve quality, and bring value to our clients.


Compliance is paramount to Phillips & Cohen Associates, Ltd. and our commitment is underlined by including it as one of our four company values. We firmly believe that Compliance puts us under a duty to make the right decisions and consider the consequences of our actions. Our team continuously monitors the regulatory environment in which we operate to ensure we provide a compliant and best in class service to everyone that we interact with. Our team professionally addresses all customer complaints and we use the feedback to continuously improve the customer experience we provide.

As part of our on-going efforts to put the customer at the heart of our business, we are committed to continuous improvement and to identifying, managing and controlling conduct risks. To achieve this, our leadership teams are fully engaged in risk committees and forums designed to consider customer outcomes.

Our business adheres to all applicable regulatory requirements and codes of conduct. Our leadership plays an active role in national and international trade associations in an effort to drive and share best practices cross industry. We look forward to continuing our commitment to fair customer outcomes through our values, policies, processes and people.

Who We Are

Certifications and Associations

The Better Business Bureau (BBB) is committed to helping people find businesses they can trust. PCA has been accredited with the Better Business Bureau (BBB) since 2015 and currently has an A+ rating.

ACA International, formerly the American Collectors Association, establishes ethical standards for the credit and collection industry. Phillips & Cohen Associates have been an ACA member since 2002.

Phillips & Cohen Associates is a member of The Consumer Relations Consortium, a membership group for forward-thinking organisations that wish to influence the direction of collections compliance, legal strategy, and regulatory policy.

Phillips & Cohen Associates is a member of PACE, one of the largest trade associations in the world providing omni-channel customer engagement solutions for marketing, customer service, and compliance.