Probate and Estate Recovery
At Phillips & Cohen, we understand that probate and estate recovery requires more than process. It requires empathy, precision, and compliance.
For Creditors
Compassionate Recovery
We help clients navigate every stage of post-deceased account resolution while safeguarding brand reputation and ensuring full regulatory alignment.
Our approach allows creditors to resolve deceased accounts with dignity and diligence.
Phillips & Cohen Associates partners with banks, financial institutions, utilities, insurers, and government agencies to deliver brand-safe, compliant outcomes that respect the needs of every stakeholder involved.
Through clear communication, secure data handling, and transparent reporting, we help creditors balance fiscal responsibility with compassion, ensuring that both compliance and care are never compromised.
How Estate Recovery Works: From Notification to Resolution
Every stage of estate recovery is supported by our rigorous compliance framework, ensuring transparent communications, data integrity, and respect for all parties involved.
Verification
Upon notification of a customer’s passing, Phillips & Cohen verifies the death through trusted data sources.
Validation
Each account is validated, segmented, and documented according to product type and write-off status.
Engagement
We identify and contact the authorized estate representative with empathy and professionalism.
Resolution
We guide the estate through the appropriate resolution, claim filing, payment arrangements, settlements, or closure, within probate timelines.
Compassionate Associates
Grief-Informed Approach to Estate Recovery
Every team member undergoes specialized training to manage sensitive cases with compassion and professionalism. The result is meaningful recoveries, shortened cycle times, and sustained brand trust for every client we serve.
Driven by Compliance and Empathy
Our estate case management combines compliance with empathy, achieving high recovery rates while minimizing complaints. We maintain stringent data-security protocols, audited quality assurance processes, and continuous-improvement frameworks.
Global Reach with Local Sensitivity
We have licensed operations across the United States, Canada, the United Kingdom, and Australia. Our teams understand the cultural and legal nuances of each region, ensuring that messages and documentation meet local expectations for a globally scalable estate recovery solution.
Safeguarding Brand Reputation
Our operations follow strict regulatory frameworks and data-security standards to protect both consumers and creditors. We employ comprehensive quality assurance, call monitoring, and complaint-reduction programs, supported by transparent audit trails and real-time client reporting.
-
Featured Case Study
Probate Recoveries Featuring Top Credit Card Issuer
The process for identifying and collecting deceased accounts at a top US bank was split between Phillips & Cohen and another vendor. When the bank sought a single, dedicated partner to manage deceased accounts across its pre- and post-charge-off portfolios, it was looking for a solution that…
“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
Frequently Asked Questions
Find answers to your questions about our collection services and how we can help you.
How does Phillips & Cohen ensure compliant communication during estate recovery?
Our agents are trained in grief-informed communication and follow documented compliance scripts approved by each client’s legal and risk teams.
What visibility will creditors have throughout the recovery process?
We provide transparent reporting dashboards, real-time account tracking, and periodic audit summaries to ensure full oversight.
Does Phillips & Cohen handle both probate and non-probate estates?
Yes. We manage claims across all estate types, coordinating directly with executors, administrators, or authorized representatives.
How are regional or state-specific rules handled?
Estate recovery regulations differ widely across jurisdictions. Some states define estate narrowly, while others include broader assets.
Our compliance and legal teams maintain updated jurisdictional playbooks to ensure all interactions meet local statutes and timing requirements.
Understanding each state’s timelines, exemption thresholds, and documentation standards is crucial. Phillips & Cohen’s multi-jurisdiction expertise and compliance playbooks help clients mitigate risks, maintain accuracy, and preserve public trust.
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.