Frequently Asked Questions
Phillips & Cohen Associates, Ltd. was formed in 1997 as a financial recovery services company. We manage personal and estate accounts referred to us by our clients. Our business has achieved national and international prominence by providing compassionate support to consumers and those handling the final affairs of an estate.
Our clients refer estate accounts or personal accounts to us because of our compassionate and sensitive approach to financial recovery. In regards to estate accounts, we understand that managing the final affairs of a loved one while coping with your personal loss can be a daunting task. We’re here to help assist you in understanding the estate management process. We also understand that life can take unexpected turns in other ways and offer flexible solutions for personal accounts referred to us. We are ready to listen.
We are proud of our compassionate and sensitive approach to resolving financial matters. We have built a reputation for service and trust around the world and strive to provide a ‘best in class’ service to consumers.
As the Coronavirus and its impact continue to evolve, we remain focused on the health and safety of our employees and commitment to our customers. We are here to assist you and are working hard to ensure Phillips & Cohen Associates team members can continue to provide support during this challenging time. Our agents will continue to support inbound calls during our normal hours of operation. We also encourage you to visit our online self-service portals. (Login details are available on our initial contact letter or can be obtained by calling us.) Contact us.
If we contacted you recently, Phillips & Cohen Associates received information from a creditor client that links you to an estate or personal account.
If you feel we have contacted you in error, please contact us, and we will update our records.
Login information for Estate-Serve℠ is available on our initial letter or by contacting us. Account-Serve can be accessed by entering the last 4 digits of the creditor account and a date of birth to match the account.
You can contact us online, by email or phone.
Monday through Thursday – 8:00 a.m. to 9:00 p.m. ET
Friday – 8:00 a.m. to 6:00 p.m. ET
Saturday – 8:00 a.m. to 12:00 p.m. ET
Sunday – Closed
We offer three convenient options for payment: online, phone and mail.
Phone – Call 888.608.1766 to make a payment or to discuss alternative payment options. Payments can be made over the phone through our automated system 24/7, or you can speak with an agent during normal business hours.
Online – Please visit one of our online portals, which give you access 24/7 to account information and payment options.
- For personal accounts, visit Account-Serve. Please use the last four digits of the Creditor Account Number referenced in the letter you received. If you are unable to log in, please contact us.
- For estate accounts, visit Estate-Serve℠. This secure management tool allows you to manage an estate at your convenience. Please use the reference number and PIN provided on our letters.
Mail – For your convenience, our letters include a payment slip and envelope with instructions for each creditor. If you do not have a recent letter, please contact us for payment instructions.
We are committed to providing a positive consumer experience through professional and honest communication with every consumer interaction. If we have exceeded your expectations or if you have concerns with our service, please contact us.
Continued Path is an online survivor support resource provided by Phillips & Cohen Associates for those dealing with a loss of a loved one or a friend.
Common estate terms that you’ll need to know include estate, probate, Executor and Administrator.
An estate is all the property and belongings owned at the time of passing. Not all of a decedent’s assets become part of his or her estate. Certain assets pass outside the estate, while other assets become part of the estate and are used to pay certain expenses and outstanding obligations.
Probate is the legal process of gathering a decedent’s assets, paying estate obligations, and distributing the remaining assets. The determination of whether probate is required depends on the nature of the decedent’s assets and applicable state laws.
An Executor is the person named in the decedent’s will to carry out the provisions of that will, and whose responsibilities include managing and distributing the estate.
An Administrator is the party appointed by the court to manage the estate if there isn’t a will or an executor named in the will.