The government steps in and does the job. The government will assign an Estate Administrator to settle the debts and then distribute the wealth according to the various laws on wealth distribution of Malaysia. The institutions in this case can be the High Court, Amanah Raya Bhd or the Small Estate Distribution Unit. They each have their own people, processes, documents and turn around times to get this done. Until then, your estate and monies cannot be used by your loved ones.